Foreclosure Mill David Stern’s getting out of the foreclosure business seems equivalent to reporting Bernie Madoff getting out of securities business.

Everyone knows that Stern committed flagrant foreclosure frauds which, among other things, has caused an incalculable amount of people to become homeless –illegally! And it’s common knowledge that lenders ceased sending foreclosure cases to Stern because of those frauds! But, unlike Madoff, Stern –and hundreds of lawyers who file fraudulent foreclosures– has faced no charges or prosecution. Instead, finger pointing is justifiably directed at Wall Street, while the ELEPHANT is in the room, hiding in plain sight!

Scores of people’s lives have been permanently damaged –courtesy of abhorrent illegal judicial tactics ! It is IMPOSSIBLE to resolve fraudulent foreclosures without addressing blatant wrongs occurring inside nationwide courtrooms by lawyers who file foreclosure proceedings!!

Lenders are not always the ones who are foreclosing on their security interests! There are foreclosures that NEVER became returned to lenders or banks, but were fraudulently “credit bid” by “Straw Buyers” and judicial insiders. Thus, blight is a telltale sign! [example: "What happens when a bank begins to foreclose on a property, then changes its mind?" @ http://bit.ly/i5z3Py ]

None other than lawyers who file foreclosures and record property deeds after purported foreclosures have capacity to defraud Bankruptcy Courtrooms and homeowners by filing FALSE “Lift Automatic Stay” motions and “Proof of Claims.”

Foreclosure lawyers are catalysts for the goal of getting property deeds recorded out of homeowners’ names; or maneuvering homeowners to believing they’ve lost ownership of their homes, so they move out. If people don’t move –some an eviction writ will be filed in some lender’s name. For decades, use of courtrooms in furtherance of real estate fraud has been the means for various participants to get slices of the “foreclosure pie.”

Due to foreclosure fraud, lenders use homeowners’ names and social security numbers on false IRS forms 1099-A’s (the game resumes after homes become flipped to new owners who are expected to default). Result from false 1099′s for distressed property owners: an IRS tax bill. **More on lawyers who intentional file illegal foreclosures http://chn.ge/eU2zAm

A settlement is preposterous without a PROBE of the lawyers who file foreclosure proceedings! Inter alia, no one else other than a LAWYER WHO FILES FORECLOSURES (and who records property deeds after foreclosures even in non-judicial states) has the alarming ability to defraud Bankruptcy Courtrooms and homeowners by filing FALSE “Lift Automatic Stay” Motions and “Proof of Claims.” (Notice TV commercials telling people to come & file bankruptcy?)

Even google search of those 2 terms will show how they affect homeowners’ rights concerning foreclosures. WHEN LAWYERS FILE FABRICATED FORECLOSURES, HOMEOWNERS ARE GROSSLY AND UNFAIRLY DEPRIVED OF THEIR RIGHTS UNDER BANKRUPTCY LAW! One particular aspect that thousands of bankruptcy filers become UNLAWFULLY cheated out of BECAUSE OF LAWYERS, is the possibility of “avoidance” due to the debt being “unsecured.”

It is an awfully unfair game that lawyers play when they fabricate who the lenders are to illegally defeat provisions under Bankruptcy Law. If anything, “debtors” could sometimes file “Adversary” proceedings and uncover facts about their lenders and servicers if it were not for lawyers –on behalf of lenders that DO NOT HAVE STANDING– quickly and fraudulently filing particular judicial pleadings that defeat and dismiss people’s bankruptcy cases. The bottom line is that courts have nothing over which to preside when there is no real party interest / no “standing,” and lawyers should NOT have been granted those “Lift Stay” Motions for their so-called clients!

Yves Smith’s “Mission Accomplished” article @ http://t.co/9bXCrpF, about the Alabama court and Paul Jackson was significant. I continue to be alarmed that people like Paul Jackson would have the need to expound upon court rulings which upholds blatant foreclosure fraud! I do not know if Paul Jackson was involved in foreclosure illegalities, but I do know that his intentional campaign to whitewash wrongdoing is an affront to families who are homeless because of foreclosure fraud and greed!

UNTRUE to what Alabama and other courts, as well as Paul Jackson communicates, LENDERS are not always the ones who are foreclosing on their security interests!! There are foreclosures that NEVER became returned to lenders or banks, but were FRAUDULENTLY “CREDIT BIT” by “Straw Buyers” and judicial INSIDERS. Thus, BLIGHT is a common telltale sign! [SEE: "What happens when a bank begins to foreclose on a property, then changes its mind?" by Justin Sondel @ http://bit.ly/i5z3Py.

Notably, Paul Jackson is in the foreclosure business. If I had any investigative authority, he and the foreclosure lawyer colleagues that he refers to in his October 11, 2010 housingwire article, would be among the first targets for extensive foreclosure fraud investigation!

A foreclosure lawyer is the CATALYST for the goal of holding a “simulated” auction which gets the property deed recorded out of homeowners names. OR not even have an auction AT ALL, BUT let homeowners THINK they no longer owner their homes and move out!

Then FALSE IRS forms 1099-A’s become filed in the homeowners name and social security numbers; mortgage default insurance proceeds become paid to the first so-called lender that submits a claim –and the game begins again when the homes become flipped!! Also, scores of homeowners unfairly, unlawfully become saddled with further debt because a fraudulent “credit bit” created an opportunity getting a “Deficiency Judgment” UNLAWFULLY against the homeowners, and some mortgage debts become sold to ‘debt buyers’ despite there was no lawful judicial edict!

Although some people NEVER lawfully lost ownership of their homes –because of foreclosure lawyers’ ability to work the judicial systems, scores of homeowners unfairly, unlawfully become saddled with additional DEFICIENCY JUDGMENT debt to become to paid to people with NO LEGAL RIGHT to be paid.

Fraudulent foreclosure auction “credit bit” create an opportunity for lawyers to return to court and obtain an order of “Deficiency Judgment” –UNLAWFULLY against homeowners whose properties PURPORTEDLY sold (not returned to lenders) to INSIDERS who UNLAWFULLY were allowed to PAY NO MONEY AT THE AUCTION. Then lawyers can sell the deficiency judgment to a “debt buyer.” However, only the lender is permitted to “credit bid” at foreclosures. Therefore, when sham bidders pay little or no money within the allotted time, the auction should be reset.

Also City revenues ARE CHEATED out of monies that should be gained from auctioned homes if auctions were conducted lawfully. But when insiders are allowed to get homes at “a steal,” LAWYERS CAN LIE TO LENDER-CLIENTS and say there was a “deficiency” bid, while at the same time they are able to hide the fact that a crony or insider obtained the property. AFTERWARD, what is to stop some ‘lender’ from allowing lawyers to keep properties (take it off their hands –illegally) in lieu of fees, which is really a back door 3rd party purchase, or when THE LENDER’S NAME ON THE FORECLOSURE OR BANKRUPTCY “LIFT STAY” Motion is DEFUNCT, such barter deals are outright theft!

How awful when SO MUCH fraud has for decades been the means for dishonest participants in the foreclosure racket to get slices of the “foreclosure pie” at the devastating costs and effects upon people who –for some reason or another fell behind on their mortgage payments.

IT IS NOT AGAINST THE LAW TO OWE A DEBT, BUT IT IS AGAINST THE LAW TO COLLECT THE DEBT VIA FRAUD AND EXTORTION.

For such reasons and many others, I continue call attention to the alarming need for an investigation of lawyers who file foreclosure pleadings in bankruptcy and in civil courts. SEE: “Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers” @ http://chn.ge/eU2zAm

Poignant: What happens when a bank begins to foreclose on a property, then changes its mind?” by Justin Sondel @ http://bit.ly/i5z3Py.

As one of New Orleans’ Hurricane Katrina-exiled victims of foreclosure fraud, articles like: “Blight and homelessness bedevil New Orleans” @ http://t.co/ofJeXg5 are not surprising to me. It was also not a surprise about those missing New Orleans real estate records –under control of the very Orleans Parish judges who issue the orders to enable longstanding foreclosure fraud. *see: “THE BIG CRASH -Part 3 New Orleans mortgage records” @ http://t.co/hs7yyiy

Even so, the appalling facts are, that UNTOLD numbers of people across the country have been made illegally homeless! Hopefully, the time is coming closer when it will be fully known how “officers of the court” have abused their positions to unlawfully render families homeless –and to unconscionably cast thousands of people in unjust / undue “Deficiency Judgments” after properties become obtained at simulated auctions by INSIDE BUYERS who pretended to “CREDIT BID” on homes that were never lawfully foreclosed on in the first place. Ultimately, many of such properties become “flipped” to Freddie Mac!

Hopefully, the time is coming closer when it will be crystal clear how courtrooms across the country have been utilized to exploit borrowers and have them to pay debt to non-existent lenders. And hopefully, it will be revealed how many “Officers of the Court” or their friends and relatives illegally gained ownership of distressed property –while some lender made a mortgage default claim and filed a false IRS form 1099-A.

Everybody gets a slice of the foreclosure pie –except property owners and City Revenues! **Read: Request for examination of lawyers who file foreclosures @ http://chn.ge/eU2zAm

ADDITIONALLY, see the story of Wells Fargo’s despicable foreclosure fraud, criminal participation involving a non-enforceable debt due to Wells Fargo –under pretext of being the mortgage servicer– deliberately preparing a NULL home loan modification contract in the name of a SHAM LENDER:

Foreclosure Fraud Assault -A Cry For Help by Alan Gray http://bit.ly/9KVcNw

To assist in accurate compensation to consumers, and for targeting critical reasons that mortgage and foreclosure frauds flourish, it is imperative to look at the main tool: enablement from Judicial systems.

Congress must force courtroom judges to cease allowing courtrooms to be used by foreclosure mill lawyers, mortgage servicers, and lenders to commit fraud, and self-dealings that –RATHER than property returned to the lenders, enable lawyers or their straw buyer acquaintances to unlawfully acquire distressed property.

There are lawyers actually engaged in real estate racketeering through intentional fraudulent pleadings that they file in civil courts and bankruptcy courts on behalf of purported lender-clients –and some are filed via names of defunct mortgage companies.

For decades, it has been PROFITABLE, and FACILE to make use of judicial systems to accomplish multiple and various levels of foreclosure fraud, while also unlawfully rendering families homeless; and mortgage lenders and banks (that receive their mortgage-default insurance and IRS write-offs), never get the homes. Ultimately, after repeated flips, the homes become sold to Freddie Mac.

Lawyers who engage in willful foreclosure fraud also unconscionably access “deficiency judgments” against homeowners even though the reason for the deficiency is because their straw buyer friends place unlawful “credit bids.” And the lawyers record worthless property deeds after sham foreclosure auctions that impedes title insurance. The list goes on!

Also, aside from hoping, demanding that out-of-control judicial and political systems somehow right itself, American consumers need to DO our part. Pro-action accomplishes better results than (notwithstanding any justification) posting commiserating, blaming, or angry comments and statements on the Internet regarding our nation’s mortgage crisis. Ethical lawmakers, activists, news media –and particularly investigative reporters who put their safety on the line, are not solely responsible for exposing fraud and corruption.

Contained in the petition, “Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers” @ http://chn.ge/eU2zAm are details and illustrations about foreclosure frauds being carried out by some lawyers who file foreclosure proceedings in civil as well as bankruptcy courts. Individual consumers can help law enforcement to curtail and / or prosecute frauds associated with foreclosures by providing facts and information similar to descriptions in that petition. (It’s BETTER than copying / buying various publications via the Internet, and thinking one can take on court systems –in light of the few grounds for opposing foreclosures successfully.)

Anyone telling people to simply move out NEEDS a wake up call as to what’s really going on –including the cause of longterm blighted communities. Fraud foreclosed homes that ‘go back’ to lenders become put on the market and various channels and outcomes –always unlawful.

Hopefully people continue signing and sharing the petition, “Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers” @ http://chn.ge/eU2zAm, who file foreclosure proceedings in civil as well as bankruptcy courts. And hopefully consumers will heap upon offices of Attorneys General, information / evidence about foreclosure-judicial wrongdoing. *SEE: “Commentary on: “Emerging Battleground on Mortgage Abuses: Foreclosure Mills” @ http://t.co/riJXgou.

Since Wells Fargo (WF) is a PREDATOR, it has no greater function than to forge forward until its Titanic sinks with everyone aboard. According to the Super Future Equities lawsuit, LITIGATION –at the expense of Investors, associated with foreclosure frauds is exactly what Wells Fargo relishes. Mortgage-default insurance, as well as IRS credits after submitting fraudulent “acquisition” form 1099-A’s are standard methods of operation for this brazen company. The mere audacity of an entity attempting to challenge Wells Fargo seems to embolden WF to proudly flex its (for now) untouchable muscles. *Wells Fargo is so brazen that WF put WF’s name on 1099′s and falsifies that “acquisition” for homes that were NOT foreclosed on by Wells Fargo! To this date, it appears that no one has even bothered to look at the false 1099-A’s that WF has filed with the IRS.

****a few links:

*SUPER FUTURE EQUITIES v WELLS FARGO
@ http://www.bankruptcylawnetwork.com/wp-content/uploads/2007/05/super-future-v-wells-fargo-et-al-complaint.pdf

*Foreclosure Frauds, Wells Fargo-the Fox in Charge @ http://bit.ly/bWpQCj

*LEHMAN BROTHERS; Foreclosure Fraud, Conspiracy, Wells Fargo; Deceptive Judicial Filings @ http://bit.ly/e2fYoE

*Open Letter to President Obama on Foreclosure Crisis (re: Wells Fargo) @ http://bit.ly/cyGXs0

American consumers are at the mercy of State Attorneys General to vigorously investigate and prosecute economic fraud –of all types. Even prior to AG Tom Miller’s “deal” with mortgage lenders who deliberately engage in foreclosure fraud, scores of people needed to be jailed so that mortgage and foreclosure fraud can be deterred. On the other hand, understandably, limited facts and evidence can leave authorities with little choice except to “deal” (like plea bargain).

Instead of hope and demand that out-of-control judicial and political systems somehow right itself, Americans need to DO our part –or at least weigh what IS our part. Pro-action accomplishes better results than (notwithstanding any justification) posting commiserating, blaming, or angry comments and statements on the Internet regarding our nation’s mortgage crisis. Ethical lawmakers, activists, news media –and particularly investigative reporters who put their safety on the line, are not solely responsible for exposing fraud and corruption.

Contained in the petition, “Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers” @ http://chn.ge/eU2zAm are details and illustrations about foreclosure frauds being carried out by some lawyers who file foreclosure proceedings in civil as well as bankruptcy courts. Individual consumers can help law enforcement to curtail and / or prosecute frauds associated with foreclosures by providing facts and information similar to descriptions in that petition. (It is certainly the BETTER ROUTE than people copying / buying various publications via the Internet, and thinking that they can take on court systems –particularly in light of the few grounds for opposing foreclosures successfully, instead of delaying them.)

Hopefully people continue signing and sharing the petition. But hopefully they will also heap upon offices of Attorneys General, information / evidence about foreclosure-judicial wrongdoing.

*Additional discussion about foreclosure illegalities at: “Commentary on: “Emerging Battleground on Mortgage Abuses: Foreclosure Mills” @ http://t.co/riJXgou.

Consumers Should Take More Active Roles Concerning Mortgage and Foreclosure Frauds

American consumers are at the mercy of State Attorneys General to vigorously investigate and prosecute economic fraud –of all types. Even prior to AG Tom Miller’s “deal” with mortgage lenders who deliberately engage in foreclosure fraud, scores of people needed to be jailed so that mortgage and foreclosure fraud can be deterred. On the other hand, understandably, limited facts and evidence can leave authorities with little choice except to “deal” (like plea bargain).

Instead of hope and demand that out-of-control judicial and political systems somehow right itself, Americans need to DO our part –or at least weigh what IS our part. Pro-action accomplishes better results than (notwithstanding any justification) posting commiserating, blaming, or angry comments and statements on the Internet regarding our nation’s mortgage crisis. Ethical lawmakers, activists, news media, and particularly investigative reporters who put their safety on the line, are not solely responsible for exposing fraud and corruption.

Contained in the petition, “Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers” @ http://chn.ge/eU2zAm are details and illustrations about foreclosure frauds being carried out by some lawyers who file foreclosure proceedings in civil as well as bankruptcy courts. Individual consumers can help law enforcement to curtail and / or prosecute frauds associated with foreclosures by providing facts and information similar to descriptions in that petition. (It is certainly the BETTER ROUTE than people copying / buying various publications via the Internet, and thinking that they can take on court systems –particularly in light of the few grounds for opposing foreclosures successfully, instead of delaying them.)

Hopefully people continue signing and sharing the petition. But also hopefully they will also heap upon offices of Attorneys General, information / evidence about foreclosure-judicial wrongdoing.

*Additional discussion about foreclosure illegalities at: “Commentary on: “Emerging Battleground on Mortgage Abuses: Foreclosure Mills” @ http://t.co/riJXgou.

“Legal contracts­ or not, NOTHING IS LEGAL ABOUT foreclosin­g on homes via use of defunct lenders / lenders without ownership of notes. Neither is it legal for foreclosur­e lawyers to file FALSE Lift Stay motions and false Proof of Claims in Bankruptcy Court to carry out foreclosur­e fraud. Foreclosur­e lawyers’ false pleadings filed in Bankruptcy Courts ILLEGALLY CONCEALS THE LACK OF SECURED DEBT; it is a grossly unfair and deceptive thing to do, which prevents Bankruptcy Debtors from reorganiz­ation.

Compassion and sympathy is not the issue when it comes to basic law and Constituti­onal rights of all citizens. Also, lawful lender NEED NOT resort to unlawful collection­s in order to recover security interest. Also, SOME PEOPLE DID NOT DEFAULT on their mortgage contracts­, yet foreclosur­e proceeding­s were executed via deception.

NOTHING IS LEGAL –and it is utterly despicable when contracts­ become utilized for purposes of real estate extortion that is disguised as foreclosur­e –of which neither bankers nor lenders wound up with foreclosed homes. It is a shockingly unfair thing for families to be made homeless when their homes WERE NEVER returned to lenders / bankers; but 3rd parties such as straw buyers obtained the homes unlawfully­!!

Mortgage contracts­ containing accelerat­ion clauses require obligation from BOTH parties. Accelerati­ng (foreclosu­re) on a note entails LAWFUL FORECLOSUR­E, NOT FRAUD & EXPLOITATI­ON.

*see: Commentary on: “Emerging Battleground on Mortgage Abuses: Foreclosure Mills” @ http://www.lawgrace.org/2011/01/04/commentary-on-%E2%80%9Cemerging-battleground-on-mortgage-abuses-foreclosure-mills%E2%80%9D/

Whether or not some people never should have been given mortgage loans; and whether or not homeowners present opposition to foreclosur­es, it is urgently important to look white collar foreclosur­e activities­!

Furthermor­e, some PREDATORY mortgage loans are issued for the very purpose of borrower default so that properties can become flipped, repeatedly (hence blight); and lenders gain tax credits, mortgage-d­efault insurance, and more! Additional­ly, too often, not only has the lender NOT filed foreclosur­e, certain homes wound up being flipped by the foreclosur­e mill lawyers who execute simulated auctions whereby “straw buyers” fraudulent­ly “credit bid”!

White collar foreclosur­e fraud entails intentiona­lly fraudulent foreclosur­es naming defunct mortgage companies, or having no ownership of notes; unfair fees beyond “Accelerat­ion Clauses” that impairs borrowers’ ability to repay arrears; falsified Bankruptcy Court motions to “Lift Stay” for accomplish­ing”simula­ted” foreclosur­e auctions via “straw buyers.”

Scores of homeowners do not contest foreclosur­es because of: not having knowledge of the law in order to recognize what they legally challenge about the foreclosur­es or recognize fraud; lack funds to pay for attorneys to represent them; homeowners are told to come to foreclosur­e auctions with money that they do not have, so they stay away from foreclosur­e auctions. It is extremely troubling that there are families living outdoors, and people strapped with illegal “deficienc­y judgments” whose homes have been confiscate­d via real estate racketeeri­ng!

*Commentary on: “Emerging Battleground on Mortgage Abuses: Foreclosure Mills”
http://www.lawgrace.org/2011/01/04/commentary-on-%E2%80%9Cemerging-battleground-on-mortgage-abuses-foreclosure-mills%E2%80%9D/

Instead of hope and demand that out-of-control judicial & political systems somehow right itself, Americans need to DO our part –or at least weigh what IS our part. Pro-action accomplishes better results than (notwithstanding any justification) posting commiserating statements or angry Internet comments about the mortgage crisis. Ethical lawmakers, news media, and particularly investigative reporters who put their safety on the line, are not solely responsible for a better America.

Even prior to “deals” with lenders who deliberately engage in foreclosure fraud, scores of people NEEDED TO BE JAILED so that it can be deterred. American consumers are at the mercy of State Attorneys General to vigorously investigate and prosecute economic fraud –of all types.
Yet, it is understandable how limited facts and evidence can leave authorities with little choice except to “deal” (like plea bargain?).

Contained in the petition to the Congressional Foreclosure Panel http://t.co/riJXgou are details and illustrations about foreclosure frauds. Information from the public about illegalities similar to those the petition describes, could aid lawmakers in curtailing and prosecuting fraud. (It is certainly the better route than people copying / buying various publications via the Internet, and thinking that they can take on court systems –particularly in light of the few grounds for opposing foreclosures successfully, instead of delaying them.)

Hopefully additional people will sign and share the petition; and consider heaping upon offices of Attorneys General, information / evidence about foreclosure-judicial wrongdoing. @ Commentary on: “Emerging Battleground on Mortgage Abuses: Foreclosure Mills” http://t.co/riJXgou

Consumers are at the mercy of their State Attorneys General to perform their duty, primarily to vigorously attack economic fraud! Prior to deals with lenders, SCORES OF PEOPLE NEED TO BE JAILED in order to deter this social scourge.

State Attorney General Tom Miller seems to have given American consumers false hope that we would not sink in the Economic Titanic, created from BLATANT FINANCIAL FRAUD & GREED.

The settlement “deal” show that working class people have no real surety for consumer rights. It shows that Americans cannot afford to rely on lawmakers for our well-being; and we must enhance our knowledge base –for our good as well as our loved ones and neighbors.

Concerning foreclosure fraud, outrageous facts are contained in the Petition: “Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers” @ http://chn.ge/eU2zA. Hopefully, people will continue signing and sharing that petition. Perhaps we can also bombard our AG’s with copies, compelling them to investigate and prosecute wrongdoers.

More than ever –aside from lawmakers, investigative reporters who put their safety on the line, and news media– average citizens need also to TAKE INITIATIVES for a better America.

*Commentary: “Emerging Battleground on Mortgage Abuses: Foreclosure Mills” @ http://t.co/riJXgou

*Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers http://chn.ge/eU2zAm”

It is unfair and outrageous that some families are homeless through real estate racketeering! Whether or not some people never should have been given mortgage loans it is urgent to look white collar fraudulent foreclosure activities. –http://chn.ge/eU2zAm

Certain PREDATORY mortgage loans were issued for the very purpose of loan default so that properties can become flipped, repeatedly (hence blight); lenders gain tax credits, mortgage-default insurance, and more. Additionally, too often, not only has the lender NOT filed foreclosure, certain homes wound up being flipped by the foreclosure mill lawyers who execute simulated auctions whereby “straw buyers” fraudulently “credit bid”! Also, illegal, fraudulent foreclosure causes useless deeds for property sales; title insurance denials, etc.

It is outrageously unfair when families become homeless because of fraudulent foreclosure proceedings filed by lawyers in civil and in bankruptcy courts!!! Scores of homeowners do not contest foreclosures because they have no legal knowledge to recognize challengeable foreclosures or fraud; no means to pay for attorney representation; they are told to come to foreclosure auctions with money they do not have, so they stay away from foreclosure auctions.

White collar foreclosure fraud entails intentionally fraudulent foreclosures naming defunct mortgage companies, or having no ownership of notes; unfair fees beyond “Acceleration Clauses” that impairs borrowers’ ability to repay arrears; falsified Bankruptcy Court motions to “Lift Stay” for accomplishing”simulated” foreclosure auctions via “straw buyers.”And lawsuits against foreclosure lawyers for fraud and “Unfair Debt Collection Practices,” generates more lawyer fees.

Foreclosure lawyers are court officers, and required to know laws and civil procedure –lenders and servicers AREN’T. Lawyers are the ones who file lawsuits to seize and sell property; and they file and record property deeds after auctions. *Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers @ http://www.change.org/petitions/view/request_for_congressional_foreclosure_panel_to_examine_foreclosure_lawyers#

Investigate lawyers who unlawfully cause homelessness via deliberate foreclosure fraud

Whether or not some people never should have been given mortgage loans; and whether or not homeowners realize any legal basis to challenge foreclosures, it is urgently important to look white collar foreclosure activities! Also, illegal, fraudulent foreclosure causes useless deeds for property sales; title insurance denials, blight –and more. http://chn.ge/eU2zAm

Furthermore, some PREDATORY mortgage loans are issued for the very purpose of default so that properties can become flipped, repeatedly (hence blight); and lenders gain tax credits, mortgage-default insurance, and more! Additionally, too often, not only has the lender NOT filed foreclosure, certain homes wound up being flipped by the foreclosure mill lawyers who execute simulated auctions whereby “straw buyers” fraudulently “credit bid”!

White collar foreclosure fraud entails intentionally fraudulent foreclosures naming defunct mortgage companies, or having no ownership of notes; unfair fees beyond “Acceleration Clauses” that impairs borrowers’ ability to repay arrears; falsified Bankruptcy Court motions to “Lift Stay” for accomplishing”simulated” foreclosure auctions via “straw buyers.” And lawsuits against foreclosure lawyers for fraud and “Unfair Debt Collection Practices,” generates more lawyer fees.

Scores of homeowners do not contest foreclosures because of: not having knowledge of the law in order to recognize legally challengeable foreclosures or fraud; lack funds to pay for attorneys to represent them; homeowners are told to come to foreclosure auctions with money that they do not have, so they stay away from foreclosure auctions. It is extremely troubling that there are families living outdoors, and people strapped with illegal “deficiency judgments” whose homes have been confiscated via real estate racketeering!

*Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers @ http://chn.ge/eU2zAm

Neither mortgage lenders, nor loan servicers are required to know laws and civil procedures that pertain to filing foreclosure pleadings in civil courts as well as bankruptcy courts.

Foreclosure lawyers are officers of the court. The inadequate, questionable, or fraudulent foreclosure pleadings are filed by foreclosure lawyers, not lenders. http://chn.ge/eU2zAm

Unlawful foreclosures are the cause of useless property deeds for real estate sales; title companies reluctance to insure foreclosed properties; and disputes about which lender is entitled to claims mortgage-default benefits.

*LAWYERS WHO FILE FORECLOSURES SHOULD BE INVESTIGATED. Sample of PROVABLE fraudulent foreclosure acts:

–Deliberately use defunct lenders, lenders without “standing” for false civil and bankruptcy foreclosure proceedings.
– Create and conceal malpractice foreclosure delays and engineer billable litigation.
– Orchestrate sham foreclosure auctions; property never acquired by lenders, but ‘straw buyers’
– Commit actionable wrongs (unfair debt collection, fraud, various torts) that create lawsuits
– Self-dealing foreclosures which certain lawyers themselves obtain foreclosed properties for flipping.
–Foreclosures naming defunct lenders, illegally recorded property deeds, flipping, blighted communities.
– Unconscionably create false deficiency judgments against property owners after straw buyers acquire homes for pennies on the dollar.
– Intentionally false Bankruptcy Court “Motion to Lift” and “Proof of Claim” on behalf of non-existent lenders which conceals fact of “NON-SECURED” mortgage debt.
–Involved in fraudulent collection of property damage insurance, as well as mortgage-default insurance.
–Fraudulent foreclosures abet loss of property taxes to city revenue, rodents, vagrants
– Thousands of families made unlawfully homeless from null foreclosure proceedings.

**Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers
http://www.change.org/petitions/view/request_for_congressional_foreclosure_panel_to_examine_foreclosure_lawyers#

URGENT need for Lawmakers to take action! Scores of HOMEOWNERS DO NOT CONTEST FORECLOSURES BECAUSE:
1. They don’t have knowledge of the law in order to recognize which aspects of foreclosure are legally challengeable or even fraudulent.
2. And even those who identify wrongdoing lack funds to pay for attorneys to represent them.
3. Homeowners are told to come to foreclosure auctions with $$$$$$$ that they do not have, SO THEY STAY AWAY from foreclosure auctions.

These homeowners are oblivious about sometimes “straw buyers” and sometimes lawyers in charge of foreclosures, obtains ILLEGAL ownership of people’s homes; and pay literally nothing through “credit bids;” and that those recorded deeds from such auctions are null! For these very reasons, there needs to be a probe of lawyers who file foreclosures. http://chn.ge/eU2zAm

Also, the average lay person doesn’t know about legal REQUIREMENTS of “standing” that prevents their homes from being repossessed via non-existent lenders or via lenders which have no ownership of promissory notes.

Yet, COURTS ARE SUPPOSED TO ENFORCE STANDING and compliance with established laws! Illegal, defective, fraudulent foreclosures are the cause of useless property deeds for real estate sales; title insurance companies refuse coverage on foreclosed properties –and more!

Further, after certain foreclosure auctions (via simulation) result in fraudulent –NOT LENDER ACQUISITIONS, by lawyers or straw buyers, the common scenario becomes property flipping, neighborhood blight, rodents, and so on! *MORE info: Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers
http://www.change.org/petitions/view/request_for_congressional_foreclosure_panel_to_examine_foreclosure_lawyers#

Certain FORECLOSUR­E MILL LAW FIRMS are prime jail candidates­. It is well past time to fully investigat­e them. http://chn­.ge/eU2zAm

Lawyers who intentiona­lly execute fraudulent­, defective, or questionab­le foreclosur­es causes useless property deeds; impediment­s to title insurance for newly-sold homes; mortgage default insurance disputes –and more! Knowledge of laws & civil procedure is not required from lenders, nor loan servicers, but from FORECLOSUR­E LAWYERS. Sample illegaliti­es:

–Deliberat­ely use defunct lenders,le­nders without “standing” for false civil and bankruptcy foreclosur­e proceeding­s.
– Create and conceal malpractic­e foreclosur­e delays and engineer billable litigation­.
– Orchestrat­e sham foreclosur­e auctions; property never acquired by lenders, but ‘straw buyers’
– Commit actionable wrongs (unfair debt collection­, fraud, various torts) that create lawsuits
– Some are self-deali­ng foreclosur­es which certain lawyers themselves obtain foreclosed properties for flipping.
–Foreclosu­res naming defunct lenders, illegally recorded property deeds, flipping, blighted communitie­s.
– Unconscion­ably create false deficiency judgments against property owners after straw buyers acquire homes for pennies on the dollar.
– Intentiona­lly false BANKRUPTCY COURT “Motion to Lift” and “Proof of Claim” on behalf of non-existe­nt lenders which conceals fact of “NON-SECUR­ED” mortgage debt.
–Involved in fraudulent collection of property damage insurance, as well as mortgage-d­efault insurance.
–Fraudulen­t foreclosur­es abet loss of property taxes to city revenue, rodents, vagrants
– Thousands of families made unlawfully homeless from null foreclosur­e proceeding­s.

*SEE: Request for Congressio­nal Foreclosur­e Panel to Examine Foreclosur­e Lawyers
http://www­.change.or­g/petition­s/view/req­uest_for_c­ongression­al_foreclo­sure_panel­_to_examin­e_foreclos­ure_lawyer­s#

Attorneys General cannot afford to exclude massive probes of lawyers who file foreclosures proceedings in civil as well as bankruptcy courts.

Foreclosure lawyers are officers of the court; knowledge of applicable laws and civil procedure is not required from mortgage lenders, nor loan servicers. In states that require judicial foreclosures, lawyers are the ones who file lawsuits to seize and sell property; and lawyers are responsible for filing and recording foreclosure property deeds.

Inadequate or questionable foreclosure leads to useless property deeds that impede real estate sales; title insurance companies reluctant to cover foreclosed properties; mortgage default claims are being disputed due to defective foreclosures. . .

Sample of fraudulent foreclosures by certain foreclosure mills:

–Deliberately utilize defunct lenders or lenders without “standing” to intentionally execute false foreclosure proceedings in civil as well as bankruptcy courtrooms.
– Create and conceal malpractice, delaying foreclosures, engineer various litigations to generate billable legal fees.
– Orchestrate sham foreclosure auctions; property never becomes acquired by lenders, but by ‘straw buyers’
– Commit wrongs which are actionable (unfair debt collection, fraud, various torts) that give rise to lawsuits from property owners,
– Engage in self-dealing foreclosures by which some lawyers gain for themselves foreclosed properties
–Foreclosures via names of defunct lenders allow ’straw buyers’ illegally convey property deeds, flip real estate, and create blighted communities
– Unconscionably create false deficiency judgments against property owners after straw buyers acquire homes for pennies on the dollar
– Intentionally file Bankruptcy court “Motion to Lift” and “Proof of Claim” on behalf of NON-EXISTENT lenders, concealing fact of “non-secured” mortgage debt.
–Involved in fraudulent collection of property damage and mortgage insurance for illegally foreclosed homes
–Fraudulent foreclosures abet loss of property taxes to city revenue, rodents, vagrants, and blight. – Thousands of families are being made unlawfully homeless, scores of homes have been fraudulently flipped and communities are blighted from null foreclosure proceedings.

**Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers
http://www.change.org/petitions/view/request_for_congressional_foreclosure_panel_to_examine_foreclosure_lawyers#

LAWYERS WHO FILE FORECLOSURES SHOULD ALSO BE INVESTIGATED

Foreclosure lawyers are officers of the court; knowledge of applicable laws and civil procedure is not required from mortgage lenders, nor loan servicers. In states that require judicial foreclosures, lawyers are the ones who file lawsuits to seize and sell property; and lawyers are responsible for filing and recording foreclosure property deeds.

Inadequate or questionable foreclosure leads to useless property deeds that impede real estate sales; title insurance companies reluctant to cover foreclosed properties; mortgage default claims are being disputed due to defective foreclosures. . .Sample of fraudulent foreclosures by certain foreclosure mills:

–Deliberately utilize defunct lenders or lenders without “standing” to intentionally execute false foreclosure proceedings in civil as well as bankruptcy courtrooms.
– Create and conceal malpractice, delaying foreclosures, engineer various litigations to generate billable legal fees.
– Orchestrate sham foreclosure auctions; property never becomes acquired by lenders, but by ‘straw buyers’
– Commit wrongs which are actionable (unfair debt collection, fraud, various torts) that give rise to lawsuits from property owners,
– Engage in self-dealing foreclosures by which some lawyers gain for themselves foreclosed properties
–Foreclosures via names of defunct lenders allow ’straw buyers’ illegally convey property deeds, flip real estate, and create blighted communities
– Unconscionably create false deficiency judgments against property owners after straw buyers acquire homes for pennies on the dollar
– Intentionally file Bankruptcy court “Motion to Lift” and “Proof of Claim” on behalf of NON-EXISTENT lenders, concealing fact of “non-secured” mortgage debt.
–Involved in fraudulent collection of property damage and mortgage insurance for illegally foreclosed homes
–Fraudulent foreclosures abet loss of property taxes to city revenue, rodents, vagrants, and blight. – Thousands of families are being made unlawfully homeless, scores of homes have been fraudulently flipped and communities are blighted from null foreclosure proceedings.
**more: Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers
http://www.change.org/petitions/view/request_for_congressional_foreclosure_panel_to_examine_foreclosure_lawyers#

Decreased blighted communities, as well as benefit for Investors, City revenue, and fewer families being illegally homeless will result from investigating white collar real estate fraudulent activities involving certain foreclosure mill lawyers!

Foreclosure lawyers are officers of the court; knowledge of applicable laws and civil procedure is not required from mortgage lenders, nor loan servicers. In states that require judicial foreclosures, lawyers are the ones who file lawsuits to seize and sell property; and lawyers are responsible for filing and recording foreclosure property deeds.

An investigation could prove helpful to sorting out whether improper and illegal foreclosure proceedings are linked to any self-dealing conduct disadvantaging lenders, investors, homeowners, and city governments.

Inadequate or questionable foreclosure can lead to useless property deeds that impede real estate sales. Increasing numbers of title insurance companies are refusing to cover foreclosed properties; and certain mortgage default claims, are being denied because of defective foreclosure proceedings.

Although increasing numbers of courts are continuing to reject improper and fraudulent foreclosures, the Congressional Foreclosure Panel examination of mortgage services and foreclosure practices did not include foreclosure lawyers.
****SEE:
Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers
http://www.change.org/petitions/view/request_for_congressional_foreclosure_panel_to_examine_foreclosure_lawyers#