Wednesday, March 30, 2011

THAT FREE THING SPECIAL ENROLLMENT CONTEST!

http://www.thatfreething.com/leadercontest.php  
  
Special Enrollment Contest

**Calling All TFT Leaders**

We are holding a Special Enrollment Contest RIGHT NOW!

-- This Contest Ends April 30th --

days
31
hours
09
minutes
23


The TOP 10 enrollers will receive...
OVER $40,000 in Cash and Prizes!

1st Place = $20,000
2nd Place = $10,000
3rd Place = $5,000
4th Place = Apple MacBook

5th - Choice of iPad, Flat Screen TV or similar Gadget
6th - Choice of iPad, Flat Screen TV or similar Gadget
7th - Choice of iPad, Flat Screen TV or similar Gadget
8th - Choice of iPad, Flat Screen TV or similar Gadget
9th - Choice of iPad, Flat Screen TV or similar Gadget
10th - Choice of iPad, Flat Screen TV or similar Gadget

11th - 25th Place = 10 Co-op Marketing Shares (see below)

Rank Name Members Enrolled
1 The Marketer 48
2 Shaun Smith 41
3 UBIEEHQ Spain 32
4 Simon Stepsys <--- 30
5 Craig Wotton 29
6 Coach Van - Tools Team Founder 27
7 suchitra sangsen 25
8 Mike Anderson 21
9 Andrea Platner 21
10 Cheri Flaming 18
11 CHIEF APOSTLE LEMUEL COLLIER IV 18
12 Austin Walsh 17
13 Linda Chatham 17
14 Magnus Haga 15
15 Trevor Chatham 15
16 Mike McKee 15
17 PayItForward4Profits Team 14
18 Rozman Shah 14
19 FARID SYED 13
20 Mike Glaspie 13
21 Jack Sinclair 13
22 Corinda Bello 12
23 Jesse Smith 12
24 Matthew Cross 12
25 Frank Astheimer 11
26 Debra Smith-Armstrong 10
27 Johan Kloster 10
28 sheila sitzman 10
29 Anders Hørvel Larsen 9
30 Brian Michael Wealth4Everyone 8







**NEW ADDED INCENTIVES**

In addition to the Cash & Prizes each winner will receive...

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This package includes marketing to dozens of online Press Releases, Network Marketing magazines, and many other featured offers both online and offline. This marketing can be branded to you or whatever business you chose (this doesn't have to be to promote That Free Thing).

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This Includes one (1) lifetime marketing share in all future advertising co-ops. This could be worth thousands of dollars to you in future leads, sales and value promoting your business. Each member finishing in the top 10 will receive 1 lifetime share. Those Members who finish in the top 25 (11-25) will also receive 1 free share in first 5 co-op ad rotations.

*Incentive TO WIN This Contest*

The person who finishes #1 will receive a special write-up that will be featured on our company website and it will be submitted to various network marketing publications. This will be a full page ALL ABOUT YOU!

-------------------------------------------

Contest Rules:

1. All enrollments must be real people that may be subject to verification.

2. Each new member must have full knowledge of their membership and personally agree to the terms and conditions of this membership.

3. Each member is expected to market ethically and if it's determined any contest winner has been spamming or has been using any illegal or unethical marketing practices then this member will be automatically ineligible and my be subject to termination.

4. All Cash & Prizes will be redeemed within 14 days immediately following the end of the contest. For the top 2 contest winners we may take up to 30 days to properly verify all information.

5. This contest is available worldwide and any active TFT member can participate.

This message is for those who need extra Money and FREE Products and Services
People are Hurting for Money and It's going to Get Worse. Get Prepared Now.

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In the 3 x 8 Company forced Matrix, when full, you will have received more than USD$18,000 dollars and receive more than $7,000 every month, minimum. The company pays out 75% and this program is available to people worldwide. You receive Free Travel, Free Food, Free clothes, Free electronics, Free Education, Free Life Insurance and thousands of other Free Products and Services. There is NO Way you can lose in "The Free thing" program. Some Free Products are valued at hundreds of dollars. For just $25.00 to join you really get more than your money's worth.

If you want to change your life for the better, please go to my link and join me. Go to

http://www.myfreething.com/ctsmyhon

Kelly L. Hansen
HOMEOWNERS HELPING HOMEOWNERS FOUNDATION, INC.
  
"When injustice becomes law, resistance becomes duty"
-Thomas Jefferson



"The goal of life is to open the heart to eternity before death arrives."

My Photo
Jurisdictionary® just click on the link
make sure your attorney is working for YOU!
Kelly L. Hansen
SOMETHING I AM LEGALLY BOUND TO SAY  Remember, I am not yet an attorney, I am a goofy woman from Kansas with acquired knowledge that I would like to share with you.  I believe two minds as determined as ours are powerful and if we endeavor to do so we will find what we need to find to keep you in your home. I do know that giving legal advice without a license to do so is breaking the law, so I must be very careful at all times to make sure you understand I am only sharing my ideas with you, and I'm sharing with you what I've seen work and what I've seen not work.  I do not charge fees for any services that I provide, I simply care about you as a homeowner, I want to work with you in what I see as a project of mutual interest, to keep you and your family in your home.


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Tuesday, March 29, 2011

IT'S "THAT FREE THING!" YOU MAY HAVE SEEN IT ON FACEBOOK. IT'S A GREAT OPPORTUNITY TO GET FREE THINGS, AND MAKE EXTRA MONEY. GET IN ON IT NOW, PEOPLE ARE SIGNING UP LIKE CRAZY!!



This message is for those who need extra Money and FREE Products and Services
People are Hurting for Money and It's going to Get Worse. Get Prepared Now.

I am sending you this program called "The Free Thing" for those that need money right away. Get started making some badly needed money and receive numerous Free Products and Services and much more.
This program has a one time only cost of $25.00 and $9.95 per month. This program was designed for everyone because it is affordable for everyone worldwide to join. If you need extra money, then you can't afford to miss this. It's the best investment I've seen to help people in need.

When you join, you will be placed into a 3 x 8 Company forced Matrix which means that when you join, people will be placed under you, even if you do not sponsor them. If you do sponsor others, you will make even more money. Sponsoring others does not mean that you have to talk others into joining. It just means that you may show "The Free thing" program (your link) to others, your friends and associates. That's all. It's up to them whether they want to join or not. At least you did your part by showing them the opportunity.

In the 3 x 8 Company forced Matrix, when full, you will have received more than USD$18,000 dollars and receive more than $7,000 every month, minimum. The company pays out 75% and this program is available to people worldwide. You receive Free Travel, Free Food, Free clothes, Free electronics, Free Education, Free Life Insurance and thousands of other Free Products and Services. There is NO Way you can lose in "The Free thing" program. Some Free Products are valued at hundreds of dollars. For just $25.00 to join you really get more than your money's worth.

If you want to change your life for the better, please go to my link and join me. Go to

http://www.myfreething.com/ctsmyhon

Kelly L. Hansen
HOMEOWNERS HELPING HOMEOWNERS FOUNDATION, INC.
  
"When injustice becomes law, resistance becomes duty"
-Thomas Jefferson



"The goal of life is to open the heart to eternity before death arrives."

My Photo
Jurisdictionary® just click on the link
make sure your attorney is working for YOU!
Kelly L. Hansen
SOMETHING I AM LEGALLY BOUND TO SAY  Remember, I am not yet an attorney, I am a goofy woman from Kansas with acquired knowledge that I would like to share with you.  I believe two minds as determined as ours are powerful and if we endeavor to do so we will find what we need to find to keep you in your home. I do know that giving legal advice without a license to do so is breaking the law, so I must be very careful at all times to make sure you understand I am only sharing my ideas with you, and I'm sharing with you what I've seen work and what I've seen not work.  I do not charge fees for any services that I provide, I simply care about you as a homeowner, I want to work with you in what I see as a project of mutual interest, to keep you and your family in your home.

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Monday, March 28, 2011

HOMEOWNERS WIN APPEAL IN WISCONSIN - TRIAL COURT REVERSED

AURORA NOT THE OWNER OF THE MORTGAGE NOTE--HOMEOWNERS WIN APPEAL -- TRIAL COURT REVERSED
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MARY COCHRANE SHARES A WISCONSIN HOMEOWNER REPORTS ATTORNEY EDWARD HARNESS IN MILWAUKEE, WISCONSIN IS AWESOME!

Sean and Camilla - Amen!
Now you can sleep well tonight.
Kind Regards,
Mary

On 03/21/11 11:03 AM, Sean wrote:
--------------------
Mary,

We just met with Attorney Edward Harness here in Milwaukee, WI. Awesome guy. Gave us a way to STOP the sale and buy time to force a proper modification. If anyone in Milwaukee needs foreclosure help, GO SEE THIS GUY!

HAMP 10-2 evaluation is mandatory. This is something relatively new that most mortgage companies are not doing. If someone is in foreclosure, or has had an auction sale of their home, if a HAMP evaluation has not been done, the mortgage company has sold the house illegally and the sale can and will be rescinded, pending this HAMP evaluation.

We are going into court with this knowledge, and forcing through the courts Wells Fargo to rescind the sale, and make them do a HAMP evaluation. This takes 6 months. During this 6 months we can then show the courts the time line of this mess, and get into evidence what exactly WF has done through this process.

Google HAMP 10-2 to read it.

Hope this helps people!

On 03/18/11 7:58 AM, Mary Cochrane wrote:
--------------------
Gray & Assoc is a robo mill and REO
Real Estate Owned (enhanced broker)

From their website:
"Gray & Associates, L.L.P. also offers its lender clients real estate settlement and liquidation services for their properties acquired during the foreclosure process." The firm name was:

Gray & Associates, L.L.P. formerly known as Gray & End, L.L.P. is a progressive law firm, providing legal counsel to banks, savings institutions and mortgage bankers in all facets of mortgage lending since 1968.



A Domestic LLP in Wisconsin Registered 1/29/2002, Changed name 10/1/2006, Address for Registered agent & Principle Office Address as of 4/28/10:

DUNCAN C DELHEY


16345 W GLENDALE DR
NEW BERLIN , WI 53151
File a Registered Agent/Office Update Form



Know who they enemies are...

Are they the ones who bought the propety during the tax sale!

They are Working with a Lender who wants to Liquidate and perfect the chain of title!

See website states: They review water and sewer bills and arrange for wire transfer ... is that a normal service one would present to you as a consumer no they are presenting this to liquidating lenders as a service they will do for them.

The firm has an excellent reputation per Martindale Hubbell but there are no PEER REVIEWS!
-------------------------------------------------------------------------------
INFORMATION FROM 3 PAGE ORDER:



Steven E. Zablocki

Attorney for Plaintiff Wells Fargo Bank NA

State Bar No 1027190

Gray & Associates, LLP

Attorneys At Law

600 North Broadway

Suite 300

Milwaukee, WI 53202



RE: 08CV003177 “Lis Pendens”

RECORDED 3/3/2008 8:57AM

--------------------------------------------------------------------------------------



Wisconsin Circuit Court Milwaukee County

Ex Parte Motion and Order

Case No 10CV005385

Code No 30405

Order Vacating Judgment



Hereby ordered the Judgment dated 7/26/2010 is reopened as to that particular property described in that Judgment as Parcel 23, Tax Key No. 113-9991-000-7 and vacated nuno pro tunc; as to that particular property described in that judgment as



Parcel 23, tax Key No: 113-9991-000-7

Located at 12211 W Good Hope Rd

City and County of Milwaukee

Legally described as

LANDS IN NW ¼ SEC 19-8-21 E 198’ OF W 330’ OF N 165’ EXC N 33’ FOR ST

AND TITLE TO SAID PROPERTY IS HERBY VESTED IN seanm sayrs and Camilla p sayrs.

Dated at Milwaukee, Wisconsin this 1 day of Nov 2010



Steven E. Zablocki State Bar No 1027190

Attorney for Plaintiff (Wells Fargo Bank NA)

Dated 2/26/2008

Pursuant to the Fair Debt Collection Practices Act (15 U.S.C. Section 1692), we are required to state that we are attempting to collect a debt on our client’s behalf and any information we obtain will be used for that purpose.

Dod Yr: 2008 Doc#09565986 Page#1 of 1



Hon. Elsa C. Lamelas, Br. 23

Civil A

Document Number 08CV003177

DOC.# 0956598

Lis Pendens

No Case # - Case Code 30404

Foreclose of Mortgage

Amount claimed exceeds 5,000

Lis Pendens Recorded 3/3/2008 8:57 AM Register’s Office

Drafted by DUNCAN C> DELHEY

To: Gray & Associates LLP

Attorneys At Law

600 North Broadway

Suite 300

Milwaukee, WI 53202

Wells Fargo Bank NA as Plaintiff

Sean M and Camilla P Sayrs Defendants

Notice is hereby given that an action is pending in this court to foreclose a mortgage on real property located in Milwaukee count, State of Wisconsin, and described as follows:



THIS IS HOMESTEAD PROPERTY

The Attorney who signed 3 page Order I was reviewing:

STEVEN E. ZABLOCKI Practice areas for firm:

Mortgage Foreclosure; Real Estate; Wisconsin Consumer Act Litigation; Creditor Bankruptcy

Born West Allis, Wisconsin, November 25, 1971; admitted to bar 1999, Wisconsin, U.S. District Court, Eastern and Western Districts of Wisconsin. Education: Marquette University (B.A., 1993); Michigan State University College of Law (J.D., Cum Laude, 1999). Member: State Bar of Wisconsin; Milwaukee Bar Association, Wisconsin Mortgage Bankers Association. Concentration: Foreclosure Law; Mortgage Law; Creditor Bankruptcy Law; Title Insurance Law; Manufactured Housing and Replevin Law

Gray & Associates, L.L.P.
16345 West Glendale Drive
New Berlin, Wisconsin 53151
(Waukesha Co.)

Telephone: 414-224-8404
Fax: 414-224-1279
http://www.gray-law.com

Foreclosure Practice

"Mortgages" are the documents normally used to secure real estate loans in Wisconsin. In the event of a default, a judicial foreclosure action must be commenced. Action is started by filing a Summons & Complaint together with a Lis Pendens. Personal service of process should be given; if not, a copy of the summons & complaint must be mailed to the defendant's last known address, and the Summons must be published weekly for three consecutive weeks. The Lis Pendens, or notice of pending action, must be recorded with the local register of deeds at least 20 days before entry of judgment.
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Saturday, March 26, 2011

The John F Kennedy Library in Boston MAImage via WikipediaMA State Rep. Tim Madden’s 
House Bill No. HR 64 
Proposed Amendments and 
New Sections to Mortgage Laws

Posted on26 March 2011. Tags: affidavits, Anthony Petruccelli, foreclosure fraud, HB 64, House Bill, House Bill 64, HR64, jamie ranney, massachusetts, MERS, Michael Costello, mortgage, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., Notary, public records, recordings, rules, senator, Timothy Madden

This is a very important bill to start cleaning up the mess created by the banks in the foreclosure crisis that is sweeping MA and the rest of the country.

Highlights include the elimination of MERS’s ability to “hide” transactions and avoid recording fees, defining what a mortgagee is in MA, requiring that all notary acknowledgements be completed in accordance with the requirements for notaries laid down by the Governor and others.

PLEASE forward this to as many people as you know that can contact their MA state Senator AND Rep. and send in written support for it.

Your support for HR64 can be mailed (addresses below) or e-mailed to anthony.petruccelli@masenate.gov AND michael.costello@mahouse.gov.

Please CC your support to timothy.madden@mahouse.gov

It should be addressed to the Chairmen (please do not send any packages other than an envelope as it might get rejected):

Senator Anthony Petruccelli, Chairman

State House
Room 424
Boston, MA 02133

Representative Michael A. Costello, Chairman

State House
Room 254
Boston, MA 02133


MA House bill - HR 64 w
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WHEN WILL THE REST OF THE NATIONS JUDGES JOIN IN? IT LOOKS LIKE THE ILLINOIS JUDICIARY MIGHT BE JOINING THE COUNTRIES VERY BEST JUDGES (NEW YORK) IN GETTING TOUGH ON ENFORCING LAWS AGAINST FALSE AFFIDAVITS (IT'S ABOUT TIME.)

Chicago Court Orders 
Suspension of 1700 Foreclosures 
Due to Altered Documents

Posted on26 March 2011. Tags: 1700, affidavits, altered documents, chicago, Fishser and Shapiro, foreclosure fraud, foreclosure mill, fraudulent documents, halted, robo signers, Shapiro and Fishman, suspended

According to the Chicago Tribune

A Cook County Circuit Court judge has taken the unusual step of temporarily halting at least 1,700 mortgage foreclosures after a law firm told the court that the cases contained altered documents, the Tribune has learned.

Fisher and Shapiro LLC, one of the top three law firms used by mortgage servicers to handle their local foreclosure actions, reported to the court that, in a breach of protocol, affidavits in the cases were changed. Among other things, fees were added after the documents were signed by servicers.

[...]

“It’s similar to robo-signing in that it’s a high-volume pattern and practice of cutting corners, expediting the process through making false representations,” said Daniel Lindsey, an attorney at the Legal Assistance Foundation of Metropolitan Chicago, which is not directly involved in the matter. “The fallout is this order and some delay, and maybe (it will) help some people figure out some alternatives.”

© 2010-11 FORECLOSURE FRAUD | by DinSFLA. All rights reserved.
www.StopForeclosureFraud.com

This post was written by:

dinsfla - who has written 1590 posts on FORECLOSURE FRAUD | by DinSFLA.

"This is not about me, It's about you. You're not alone, For we are one... I am your voice."

Contact the author

One Response to “Chicago Court Orders Suspension of 1700 Foreclosures Due to Altered Documents”
Joe Varan says:
03/26/2011 at 2:55 pm

I have the list, if anyone wants to know if they are on it.
jvaran@gmail.com
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Thursday, March 24, 2011

THE FLORIDA BANKER’S ASSOCIATION ADMITTED THAT NOTES ARE DESTROYED

State seal of FloridaImage via WikipediaLQQK ‘MOM’, No paper, Lost Paper, 
Detroyed and Misfiled Paper…The Next Wave

Posted on24 March 2011. Tags: assignment of mortgage, bifurcate, copy, counterfeit, deed of trust, deeds, deliberately eliminated, destroyed, esigning, evaulting, fabricated, florida, foreclosure fraud, fraudulent documents, Kelly Purcell, lost, lost note, mba, MERS, misfiled, mom, mortgage, mortgage bankers association, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., negotiable instrument, note, notes, promissory note, reproduction, securitization, software, Supreme Court, Wave eSignSystems

Before you go down to the “New Device” take a look back when THE FLORIDA BANKER’S ASSOCIATION ADMITTED THAT NOTES ARE DESTROYED:

This is a direct quote from the Florida Banker’s Association Comments to the Supreme Court of Florida files September 30, 2009:

“It is a reality of commerce that virtually all paper documents related to a note and mortgage are converted to electronic files almost immediately after the loan is closed. Individual loans, as electronic data, are compiled into portfolios which are transferred to the secondary market, frequently as mortgage-backed securities.

The reason “many firms file lost note counts as a standard alternative pleading in the complaint” is because the physical document was deliberately eliminated to avoid confusion immediately upon its conversion to an electronic file. See State Street Bank and Trust Company v. Lord, 851 So. 2d 790 (Fla. 4th DCA 2003). Electronic storage is almost universally acknowledged as safer, more efficient and less expensive than maintaining the originals in hard copy, which bears the concomitant costs of physical indexing, archiving and maintaining security. It is a standard in the industry and becoming the benchmark of modern efficiency across the spectrum of commerce—including the court system.”

Now if there is no issues surrounding what everyone is shouting from their roof tops, then why integrate a new software that was suppose to have been implemented already to “Improves Efficiency & Transparency of Electronic Mortgage Transactions” within MERS itself?

THEY KNOW THEY HAVE A PROBLEM!

Now from SYS-CON on SmartSAFE

“During the foreclosure crisis of the last few years we saw many instances where the original and subsequent paperwork was lost, destroyed or misfiled when loans were bought and sold,” commented Kelly Purcell, Executive Vice President for Wave’s eSignSystems division. “Mortgages are sold several times throughout the life of a loan, and electronic mortgages address the problem of the ‘lost note,’ while improving efficiency in the process.”

This will debut during next week’s MBA National Technology in Mortgage Banking Conference and Expo 2011 (at the Westin Diplomat Resort & Spa in Ft. Lauderdale, Fla.).

Will this be the new system that will eventually take over MERS as MOM?

This one is both “Smart & Safe”

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MARIE MCDONNELL, CERTIFIED FRAUD EXAMINER, AMICUS BRIEF REGARDING IBANEZ & U.S. BANK

Marie Mcdonnell (Certified Fraud Examiner) -- Amicus Brief --regarding the Ibanez & U.S. Bank case
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MARIE MCDONNELL, CERTIFIED FRAUD EXAMINER, AMICUS BRIEF REGARDING IBANEZ & U.S. BANK

Marie Mcdonnell (Certified Fraud Examiner) -- Amicus Brief --regarding the Ibanez & U.S. Bank case
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Wednesday, March 23, 2011

Veterans, Wells Fargo Has $175 For You

Wells Fargo Settles 
Veteran Mortgage-Refinancing Suit

By Matthias Rieker Wells Fargo & Co. agreed to refund up to $10 million in fees to eligible military veterans who refinanced their mortgages with the bank. Eligible veterans who apply would receive $175 each. Wells Fargo, the nation's largest mortgage... Full Article at Wall Street Journal

Related Quotes

Since the lawsuit allegation was raised, we have diligently worked with our veteran customers who inquired about their fees and we refunded them if there was an error in the third-party charges that were assessed
SOURCE: Wall Street Journal
1 month ago

Jim has always been a steady, knowledgeable hand, motivating our lawyers and investigators and guiding the day-to-day operations of the Enforcement program
SOURCE: Wall Street Journal
1 month ago

We hope that by settling this matter, we can demonstrate to veterans our steadfast commitment to doing right by them
SOURCE: Wall Street Journal
1 month ago

Since the lawsuit allegation was raised, we have diligently worked with our veteran customers who inquired about their fees and we refunded them if there was an error in the third-party charges that were assessed
SOURCE: Wall Street Journal
1 month ago
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Sunday, March 20, 2011

FREDDIE MAC, BIG BULLY

Freddie MacImage via WikipediaFreddie Mac, big bully
By Yvonne Abraham
Globe Columnist / March 17, 2011
E-mail|

Freddie Mac has been using our tax dollars to make Sophia Mitte and her family suffer.

The federal mortgage company seems determined to evict the family from their home, even though it would cost it (that is, us) less to cooperate with the small army of people trying to help them stay.

Spend an hour at the Mattapan house Mitte shares with her boys and it’s clear they’re already suffering enough, without help — or lack thereof — from faceless, federally funded bureaucrats.

Back in 1994, when Mitte was working as a nurse, it wasn’t a stretch for her to buy the small blue house for $87,500. She and her husband refinanced a few times to fix the roof, delead the house, build a ramp and a deck.

Banks were throwing money at families like theirs. Soulless vultures on Wall Street got obscenely rich betting those families would go under.

And so they did.

In 2003, Mitte was diagnosed with multiple sclerosis and bipolar disorder, and couldn’t work. Her four sons — now ages 10 to 18 — had psychological and physical ailments, including schizophrenia, autism, bipolar disorder, and pulmonary disease.

Mitte’s husband left her. Trying to care for herself and her kids on disability benefits, she fell behind on the mortgage, even after her loan was modified in 2008. By then, she owed close to $300,000.

Wells Fargo foreclosed last June. Freddie Mac bought the house for $133,000 and began eviction proceedings.

Mitte, 38, turned to Jamaica Plain housing activists City Life. They put her in touch with Boston Community Capital, a nonprofit that buys foreclosed homes and sells them back to foreclosed owners.

None of the owners to whom BCC has sold back properties has defaulted. The group sized up Mitte’s finances and assessed her house, which is a mess: A stalled kitchen renovation left the room partially gutted, electrical wires exposed, walls covered in patches of black mold; the bathrooms are pits; the wheelchair ramp is rotting.

In October, BCC offered Freddie Mac $90,000 for the house.

The reply? Silence. A Boston Housing Court judge has twice ordered Freddie Mac to respond to the offer or explain its refusal to consider it. Freddie Mac’s lawyers keep asking for more time. Mitte’s lawyers, from Harvard Legal Aid, have agreed. The new deadline is April 7.

It’s hard to imagine anybody paying even the $90,000 BCC is offering (they plan to lend Mitte enough money to buy back the house and make it more habitable). But to Mitte and her fragile kids, the house is enormously valuable. Familiar and comforting, it’s close to their schools and to neighbors who watch out for them.

“I don’t have any place to go,’’ Mitte said. “This would uproot my kids from the only home they know.’’

If Freddie Mac succeeds in evicting Mitte, it is going to have to pay to fix the place up, market it, and sell it. In the meantime, there’ll be another foreclosed house vacant in the neighborhood, weakening an already vulnerable community. And eviction will put more strain on the Mittes than they can bear.

If the people at Freddie Mac have their reasons, they’re not sharing them: Their lawyer declined to comment.

It’s bad enough when a profit-hungry giant such as Bank of America behaves this way. It’s much worse when the heartless behemoth in question is Freddie Mac, a company at the heart of the federal government’s effort to stabilize communities and help the economy recover by keeping families in their homes.

Freddie Mac survives today only because it has been propped up by $65 billion (so far) in federal tax dollars.

How about they don’t blow our money putting this family out on the street?

Yvonne Abraham is a Globe columnist. She can be reached at abraham@globe.com.
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Saturday, March 19, 2011

WELLS FARGO MAKES MISTAKES

Jacksonville Woman 
Gets Keys Back after 
Confusing Foreclosure
 
JACKSONVILLE, Fla. -- In 2008, Kimberly Clark was behind on the mortgage of her duplex that she rents out, but not in foreclosure. Her mortgage debacle since has been a roller coaster that many times has not made a lot of sense.

"I was behind about 30 days, but I made a payment Oct. 15 and about two weeks after that they came and put the locks on the door," she said.

Five months after the bank locked her out, on February 2009, Clark was served with a foreclosure lawsuit. She protested the foreclosure filing as a mistake, she said, but March 2010 the lender won a final judgment in court.

But in December 2010, nine months after winning its judgment there was a strange turn in the case: For an unexplained reason, the lender filed a motion to vacate the judgment and dismiss the foreclosure lawsuit.

Then, on Feb. 4 the bank filed a court document releasing the mortgage on the property in question.

And perhaps strangest of all, today an attorney gave Clark the keys to the property. "No one gave me a specific reason," she said.

But returning the keys to Clark has presented her with a new problem. The duplex rental has been vacant so long both units have been vandalized, she said. The air conditioning units and some of the plumbing fixtures are gone, and there is graffiti on the walls.

"At this point, I will have a contractor assess the property, what value has been lost and go from there," she said.

Clark filed a counter lawsuit against the lender in January, and she believes that's why her keys were returned. She doesn't know if she'll win, but she wants other property owners to know in this foreclosure environment, mistakes are being made.

"You do have rights and fight back. This was a source of income for me and my family so this was detrimental, so continue to fight and never give up," she said.

The law firm of Murphy and Anderson represents National Field Representatives, the bank's subcontractor which changed the locks.

The attorney refused comment, saying the case is still in litigation. The lender, Wells Fargo is reviewing the case, and a spokesperson said she also could not comment until the review is finished
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WHY IS IOWA'S ATTORNEY GENERAL HELPING CITIBANK IN THIS CASE? SOMEONE HELP ME HERE, WHAT AM I MISSING?


IOWA Appeals Court
Declares Mortgage VOID 
Under IA Code Sec. 561.13 
CITIMORTGAGE, INC. v. Danielson

Posted on18 March 2011. Tags: citimortgage, closing, foreclosure fraud, free and clear house, homestead, Iowa Section 561.13, Jamie Danielson, Judge Doyle, Matthew D. Danielson, void

Read about this more HERE. Thanks for the Tip
CITIMORTGAGE, INC., Plaintiff-Appellant,
v.
MATTHEW D. DANIELSON a/k/a MATTHEW DANIELSON and JAMIE DANIELSON, Defendants-Appellees.

No. 9-194/08-1473

Court of Appeals of Iowa.

Filed May 29, 2009.

Mollie Pawlosky and Jon P. Sullivan of Dickinson, Mackaman, Tyler & Hagen, P.C., Des Moines; Theodore R. Boecker of Petosa, Petosa & Boecker, L.L.P., Clive; and Thomas J. Miller, Attorney General, and Grant Dugdale, Assistant Attorney General, for appellant.[Editors Note: Why is Iowa's Attorney General's Office helping Citibank?]

Jerrold Wanek of Garten & Wanek, Des Moines, for appellee.

Heard by Vaitheswaran, P.J., and Potterfield and Doyle, JJ.

DOYLE, J.

Citimortgage, Inc. appeals from a district court ruling declaring the real estate mortgage it held on property owned by Matthew Danielson to be void under Iowa Code section 561.13 (2007). We affirm the judgment of the district court.

I. Background Facts and Proceedings.

In late April 2007, Matthew Danielson entered into an agreement to purchase a newly constructed home in Ankeny for $320,228. Matthew and his wife, Jamie, met with their real estate agent, the builder, and the builder’s real estate agent on several occasions and walked through the home together multiple times before deciding to purchase it. The purchase agreement was contingent upon Matthew obtaining financing for one hundred percent of the purchase price at or below seven percent interest. A closing date of May 10, 2007, was set.

Because Jamie’s credit was poor, Matthew decided to apply for a loan on his own. He contacted mortgage broker Jason Larson, who was employed by One Source Mortgage, Inc., for assistance in securing a loan. Matthew knew Larson because their children attended the same daycare. Larson arranged for Matthew to obtain a loan through Citimortgage and retained attorney David Pulliam to act as the closing agent. In anticipation of the closing, an attorney for the builder’s real estate agent prepared a warranty deed conveying title in the property to Matthew as “a married person.” The deed was later changed by someone else to refer to Matthew as “an unmarried person.”

The closing date was pushed back several times. Finally, on May 24, 2007, Larson called Matthew and asked him to meet in “about 45 to 50 minutes” at a food court in a shopping mall for the closing. Matthew asked Larson if his wife needed to be present. Larson said no. Matthew attempted to call Jamie anyway because she handled the couple’s finances and was employed as a loan originator for a mortgage banker. He was unable to reach Jamie and attended the closing alone with Larson.[1]

At the closing, which Matthew described as “rushed,” Larson had Matthew sign a large packet of documents. Included in that packet were two uniform residential loan applications. One application appears to have been generated by One Source Mortgage while the other was apparently generated by Citimortgage. Both loan applications identify Larson as the interviewer and indicate the application was taken by telephone. Matthew and Larson signed both applications at the closing on May 24, 2007.[2] The applications refer to Matthew as “unmarried” and as a “[s]ingle man.” Matthew also signed a promissory note in the amount of $320,228 at the May 24 closing. The note is payable to Citimortgage and secured by a purchase money mortgage on Matthew’s home. The mortgage, which contains a homestead exemption waiver clause, identifies the borrower as “Matthew D. Danielson, a single man.”

Matthew, Jamie, and their son have resided in the house since the closing. They failed, however, to make payments on the mortgage. Citimortgage consequently initiated foreclosure proceedings in December 2007 against Matthew. Matthew filed an answer and raised Citimortgage’s failure to secure Jamie’s signature on the mortgage as required by Iowa Code section 561.13 as an affirmative defense. Citimortgage amended its petition to add Jamie as a defendant. The Danielsons then filed a counterclaim to quiet title to the property, seeking an order from the court that Matthew’s mortgage with Citimortgage is void under section 561.13.

The district court denied summary judgment motions filed by Citimortgage and the Danielsons, and the matter proceeded to trial before the court. At the close of the evidence, the court ruled from the bench that the mortgage was void under section 561.13 and denied Citimortgage’s claim that Matthew fraudulently misrepresented his marital status. Citimortgage appeals.

II. Scope and Standards of Review.

“Review of an equitable claim to foreclose a mortgage is de novo.” Iowa State Bank & Trust Co. v. Michel, 683 N.W.2d 95, 98 (Iowa 2004). We give weight to the fact findings of the district court, especially when considering the credibility of witnesses, but are not bound by them. Iowa R. App. P. 6.14(6)(g).

III. Discussion.

“Homestead rights are jealously guarded by the law.” Michel, 683 N.W.2d at 101; see also Merchants Mut. Bonding Co. v. Underberg, 291 N.W.2d 19, 21 (Iowa 1980) (“Homestead laws are creatures of public policy, designed to promote the stability and welfare of the state by preserving a home where the family may be sheltered and live beyond the reach of economic misfortune.”). One way in which the legislature has sought to protect homesteads is through Iowa Code section 561.13, which invalidates encumbrances of the homestead not signed by both spouses “unless and until the spouse of the owner executes the same or a like instrument.” See Thayer v. Sherman, 218 Iowa 451, 458, 255 N.W. 506, 509 (1934) (“The provisions of this section are for the benefit of all who are interested in the homestead. It is designed as a protection to the wife, the children, and the husband himself.”). If section 561.13 is not satisfied, the transaction is invalid as to both the husband and the wife. See Martin v. Martin, 720 N.W.2d 732, 736 (Iowa 2006)Beal Bank v. Siems, 670 N.W.2d 119, 124 (Iowa 2003) (holding mortgage on homestead void because not signed by owner’s spouse as required by section 561.13). (finding deed attempting to convey a homestead invalid where it was not signed by the owner’s spouse);

Section 561.13 was not satisfied in this case because the mortgage encumbering the parties’ homestead was signed only by Matthew, who was married to Jamie at the time of the encumbrance. The mortgage is therefore invalid and void as to both Matthew and Jamie. See Martin, 720 N.W.2d at 738 (emphasizing section 561.13 makes a conveyance or encumbrance of the homestead “invalid—that is, void—without the signature of both spouses, not merely voidable by the spouse who did not sign”).

Citimortgage attempts to avoid the harsh effect of section 561.13 in this case by asserting Matthew procured the mortgage by fraudulently misrepresenting his marital status, which it contends should result in the imposition of an equitable mortgage. The district court denied this claim, finding there was “not one piece of evidence to indicate Mr. Danielson knowingly or with any intent to defraud gave false information to anyone throughout this transaction.” Citimortgage claims the district court erred in so concluding.[3] We do not agree.

Our supreme court has recognized in “other circumstances that `courts of equity are bound by statutes and follow the law in [the] absence of fraud or mistake.’” Michel, 683 N.W.2d at 107 (quoting Mensch v. Netty, 408 N.W.2d 383, 386 (Iowa 1987)). It is a well-settled principle of equity that misrepresentations amounting to fraud in the inducement of a contract, whether innocent or not, give rise to a right of avoidance on the part of the defrauded party. First Nat’l Bank v. Brown, 181 N.W.2d 178, 182 (Iowa 1970). Here, however, Citimortgage attempts to use the Danielsons’ supposed fraud in procuring their mortgage to enforce that mortgage rather than avoid it. In any event, to prevail on such a claim, Citimortgage must prove “(1) a representation, (2) falsity, (3) materiality, (4) an intent to induce the other to act or refrain from acting, and (5) justifiable reliance.” City of Ottumwa v. Poole, 687 N.W.2d 266, 269 (Iowa 2004). We believe this case fails on the last two elements.

The evidence presented at trial establishes, as the district court found, that “everyone involved who actually had a role in this actual transaction . . . knew that Mr. Danielson was married.” Matthew and Jamie toured the home together with their real estate agent, the builder, and the builder’s real estate agent before Matthew agreed to purchase it. They also met with those individuals on several other occasions to discuss matters related to the purchase of the home. The warranty deed prepared by the attorney for the builder’s real estate agent originally referred to Matthew as “a married person,” though someone later changed that deed to identify him as “an unmarried person.” Matthew, whom the district court found to be credible, see Iowa R. App. 6.14(6)(g) (stating we give weight to the district court’s credibility determinations in equity cases), testified that Larson “absolutely” knew he was married. He specifically asked Larson before the closing if his wife needed to be present, and Larson said no. Matthew nevertheless attempted to contact her on his way to the closing. In light of the foregoing, we do not believe the record reveals any intent on Matthew’s part to induce Citimortgage to act on the basis of the representations in the closing documents regarding his marital status.

Indeed, it appears Citimortgage approved Matthew for the loan before receiving a signed copy of his loan application. Matthew did not sign the loan applications prepared by Larson until the closing on May 24, 2007. Yet Citimortgage issued a commitment letter to Matthew on May 16 advising him that his application for a mortgage had been approved. No evidence was presented as to what information Citimortgage relied on in approving the loan to Matthew and preparing the mortgage that identified him as a “single man.” We cannot see how Citimortgage could have justifiably relied on the representations contained in the loan applications and the mortgage itself regarding Matthew’s marital status in agreeing to loan him $320,228 on May 16 when those documents were not executed until May 24. See Lockard v. Carson, 287 N.W.2d 871, 878 (Iowa 1980) (stating the recipient of a fraudulent representation cannot recover “if he blindly relies on a misrepresentation the falsity of which would be patent to him if he had utilized his opportunity to make a cursory examination or investigation”). Finally, even if we were to assume for the sake of argument that Matthew fraudulently induced Citimortgage to enter into the mortgage by representing that he was not married, there is no evidence present in the record from which we could conclude that Jamie had any part in that supposed fraud.

It is clear from our review of cases applying section 561.13 that the statute is intended to protect “the whole family unit.” Martin, 720 N.W.2d at 736, 739 (“If the statute is not satisfied, the deed is invalid as to both the husband and the wife.”); see also Beal Bank, 670 N.W.2d at 124 (voiding mortgage in favor of spouse whose signature was omitted); Hostetler v. Eddy, 128 Iowa 401, 406, 104 N.W. 485, 487 (1905) (holding contract not signed by wife “was void in favor of both husband and wife”). As we alluded to earlier, “[o]ur law has chosen to provide special procedures to protect homestead rights, and has defined this protection in a comprehensive manner.” Martin, 720 N.W.2d at 738.

[T]he purpose of the homestead laws is to provide a margin of safety to the family, not only for the benefit of the family, but for the public welfare and social benefit which accrues to the State by having families secure in their homes.

Id. (citation omitted). We therefore construe homestead laws “broadly and liberally” in favor of the beneficiaries of the legislation, which include “the wife, the children, and the husband himself,” Thayer, 218 Iowa at 458, 255 N.W. at 509,See Martin, 720 N.W.2d at 738. to secure its benevolent purposes.

While it may be tempting for courts to fashion remedies deemed to be fair and just under the particular circumstances of a case, “the law has defined those concepts and must dominate the decision making process.” Id. “[I]t is not for courts to overlook the language of a statute to reach a particular result deemed unjust under the particular circumstances of a case.” Id. “This rule protects the integrity of the legislature’s judgment that certain transactions will be given effect only if they comply with the requirements set out in the statute.” Michel, 683 N.W.2d at 107 (refusing to apply equitable mortgage where bank did not comply with the disclosure requirements of section 561.22 even though debtors knew they were mortgaging their homestead); see also Thayer, 218 Iowa at 458, 255 N.W. at 509 (“The homestead right is created by statute, and this can only be alienated in the manner provided by statute.”). We are thus bound to apply section 561.13 to invalidate the mortgage in this case as it did not contain the signatures of both spouses and Citimortgage did not establish any fraud on the part of either spouse in obtaining the mortgage. See Michel, 683 N.W.2d at 109 n.6 (“[A] creditor is bound by statutory requirements in the absence of fraud or mistake.”).[4]

IV. Conclusion.

We conclude the mortgage was entered into while Matthew was married, and his wife did not execute the same or a like instrument joining in the encumbrance. It was therefore void under Iowa Code section 561.13. Citimortgage has not established any fraud on the part of either spouse that would avoid the effect of section 561.13. We therefore affirm the judgment of the district court dismissing Citimortgage’s petition to foreclose its mortgage on the property and declaring that mortgage to be void under section 561.13.

AFFIRMED.


[1] It appears Larson handled the closing himself. Pulliam testified that he had no recollection of the closing or Matthew. Matthew likewise testified that he had never met Pulliam prior to the trial and that Larson had conducted the closing on his own.

[2] Although Larson’s signature appears on both loan applications, Pulliam testified that he actually signed Larson’s name for him on the Citimortgage loan application as indicated by Pulliam’s initials that appear after Larson’s name.

[3] Citimortgage raises a variety of alternative theories on appeal seeking to preclude the application of section 561.13, including mutual mistake, equitable estoppel, and ratification. It additionally challenges the status of the property as a homestead at the time the property was encumbered, arguing,

With . . . a purchase money mortgage, the party that is purchasing the property is not using the property as a homestead at the time that the mortgage is executed, because the purchase money mortgage is necessary for the party to acquire the initial ownership in the property.

Although it appears some of these theories were raised in the district court proceedings, the only issue decided by the district court was Citimortgage’s claim of fraud. See Meier v. Senecaut, 641 N.W.2d 532, 537 (Iowa 2002) (“It is a fundamental doctrine of appellate review that issues must ordinarily be both raised and decided by the district court before we will decide them on appeal.”). “When a district court fails to rule on an issue properly raised by a party, the party who raised the issue must file a motion requesting a ruling in order to preserve error for appeal.” Id. No such motion was filed in this case. We therefore confine our analysis to Citimortgage’s claim of fraud.

[4] We note, as did the court in Michel, that our decision does not leave Citimortgage without remedies. See Michel, 683 N.W.2d at 107 n.5 (observing the bank could pursue a personal judgment against the debtors).

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