The United States of America was established to protect us from injustice in our homeland. One home unlawfully seized in one too many for a free country to tolerate. The Banksters are robbing us of the rights and freedoms granted to us as American citizens. It is time to hold them accountable before our children wake up homeless on the continent our forefathers conquered. Thomas Jefferson warned this day may come. It is here and we must decide how we are going to protect the future of our great land.

But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security.
                                         
The Declaration of Independence of the United States of America

May it at least be said of us that we fought, we persevered, we tried.....
You and I have a rendezvous with destiny. We can preserve for our children, this, the last best hope of man on Earth, or we can sentence this generation of young people to take the first step into a thousand years of darkness. If we are destined to fail, if this way of ours is to be lost, then at least, let our children and our children’s children say of us that it didn’t fail because we failed to try. Let them say that at least, we did all that could be done in the one moment allotted us here on earth.
                                                      
1964 Ronald Reagan 40th President of the United States  
We did not write these articles, but we applaud the brave journalists, editors, and publishers who did. We pray for the pain of the victims they are written about. We pass the articles on to fearless Americans who can help make a difference. Please get involved and help fight injustice. Read and share our story and the stories of over seven million families who have lost their homes with your networks. Help us spread the word. We make every effort to keep the links to the below articles current. However, many of the links change frequently. We are in the process of making PDF archives so the stories are not lost or hidden by the Mortgage Robbers. Please let us know if you have trouble accessing any of the articles.
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It Happened To Us International - Mortgage Robbers Strike The World
Foreclosure fraud is spreading across the world. Same games. Same fraud. Same bad guys. Same fight. Join homeowners, prayer warriors, and fearless citizens around the world as we fight all the way for our homes. Read more...
It is happening across America

OCC Terminates Mortgage Servicing-Related Consent Order Against HSBC Bank USA, N.A., Issues $32.5 Million Civil Money Penalty
https://www.occ.treas.gov/news-issuances/news-releases/2017/nr-occ-2017-5.html
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2017 Press Release from OCC. OCC slaps another mortgage terrorist on the wrist. The U.S. Treasury gets $32.5 million. The homeowners lose everything. If anyone out there knows OCC CEO Bryan Hubbard, please tell him the Nickersons would like him to read our story and see how well these civil penalties are deterring HSBC and their accomplices from continuing to commit fraud and property identity theft. HSBC is not in compliance. As of February 2018, HSBC has taken no responsibility for the criminal actions being committed against us in their name. Watchdogs have to actually be willing to bite if they are going to effectively deter intruders.

HSBC faces FCA probe into anti-money laundering controls as profits plunge

http://www.telegraph.co.uk/business/2017/02/21/hsbc-profits-slump-volatile-year/
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According to this February 2017 article, it appears HSBC is concerned that Western Civilization regaining and protecting its freedoms and greatness threatens their profit margin. See paragraph 6.

HSBC, your reign of terror in America is over. America is under new management and we are taking our country back. No more silence. No more abuse. No more fraud. Follow American laws or go back to where you came from! This is a justice for all country. Get with the freedom program or get out.


HSBC hit by loss of more than $4 billion

http://www.nbcmontana.com/news/money/hsbc-sinks-to-42-billion-loss/348670590
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The global giant has spent years shrinking down and cleaning up its private banking operations...The business [HSBC] came under scrutiny over revelations it catered to weapons dealers, tax evaders and dictators. Less anyone start a fundraiser for "poor" HSBC, the Associated Press reported HSBC boasted 11% profit increase in 2017. We know hearing "big" numbers like $4.2 billion dollars seems like a lot of money to those of us who work hard and try to earn an honest living. But...you have to understand, these are pennies on the trillions for HSBC. Even with these reported losses and all the "big" fines we read about in the media, the incomes HSBC and their bankster friends' are generating through foreclosure fraud appear to be very secure in both the United States and global markets. In fact, according to the stats, they are growing.

Public has right to see sealed HSBC money-laundering report: judge
http://nypost.com/2016/01/29/public-has-right-to-see-sealed-hsbc-money-laundering-report-judge
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A Brooklyn federal judge ruled Thursday that the public has the right to see a sealed report that HSBC fought tooth and nail to keep private...The ruling should send shivers up and down Wall Street, where other big banks have struck deals with the government to keep such reports private. Apparently HSBC and the other banksters think it is unfair for the public to know the truth about all their evil deeds. Amazing!

CFPB Missed Chance to Probe Wells Fargo’s Insurance Scandal, Report Finds
https://www.autofinancenews.net/cfpb-missed-chance-to-probe-wells-fargos-insurance-scandal-report-finds/
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Do the math. $10 billion fines reduced to $100 million for destroying the lives of American citizens. Jeb Hensarling (R-TX) said it best, The CFPB’s handling of this matter and its refusal to fully comply with the Congressional subpoena are a slap in the face to millions of Americans who were harmed by Wells Fargo and further evidence of the CFPB’s unaccountable structure and leadership.

Hardline Anti-CFPB Republican Accuses Agency of Being “Asleep At Wheel” During Wells Fargo Scandal
https://www.districtsentinel.com/hardline-anti-cfpb-republican-accuses-agency-asleep-wheel-wells-fargo-scandal/
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Regardless of who created, supports or opposes the CFPB, the CFPB has done nothing to help us stop the foreclosures on our properties. From our viewpoint, banksters have gotten away with the financial murder of millions of innocent homeowners while the CFPB sat silently and watched it happen. From the closing table to the wrongful foreclosure, proof of fraud, broken laws, predatory lending, and abusive debt collection is everywhere…and the CFPB has fatally failed to stop it. Even the big fines are just a show. Sure, to the average homeowner $185 million feels like a big speeding ticket. However, if the banksters make $2 billion by arriving to that meeting on time, they really do not mind paying the $185 million ticket. Until the fines offset the profit secured from the fraudulent acts, the banksters have not suffered any loss or consequence. Mortgage and foreclosure fraud is a prolific, money-making venture for the banksters. It has become a quicker and more secure way to gain a return on their investments; boasts hefty loss deductions; increases their asset portfolio with a property that can be resold for additional profit; and they can execute moving forward with minimal, if any, real risks to consider since no real penalties will be levied. If laws are not upheld and enforced to protect property rights, mortgage fraud becomes nothing short of government sanctioned domestic terrorism against the American homeowner.

Benjamin Franklin stated, Justice will not be served until those who are unaffected are as outraged as those who are. Whether you are for or against the CFPB, we need someone who will stand up and provide some consumer financial protection. The time to act is now!!

Here's what the new CFPB director should change
https://www.housingwire.com/articles/print/41890-heres-what-the-new-cfpb-director-should-change
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Under CFPB Richard Cordray, the bureau told banksters, they should look closely at their processes and clean up whatever is not being handled appropriately. He said, it would be "compliance malpractice" for executives not to take careful bearings from the contents of these orders about how to comply with the law and treat consumers fairly. HSBC, Wells Fargo, JP Morgan Chase, PHH Mortgage,  and their accomplices obviously did not understand these orders in regards to their assaults on our family. Mick Mulvaney is the new CFPB Director...pray he will do what is right for our family, and for all Americans.

OPEN LETTER TO CFPB DIRECTOR MICK MULVANEY

Mr. Mulvaney, we need your help. America needs your help. Please make it clear to these entities that compliance means obey the laws of this land, do what is right, only conduct business with good faith and fair dealing, and thou shalt not steal. We have a solid case with evidence, witnesses, documentation. It has been offered to the CFPB under your predecessor. Please, if you can, help us save our home and stop the assault on our family.

Because it happened to us and could happen to other Americans,
The Nick and Donna Nickerson Family

Mortgage paperwork mess: Next housing shock?
http://www.cbsnews.com/news/mortgage-paperwork-mess-next-housing-shock/
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The Banksters are creating fake documents to steal homes. They fake signatures, ownership, notarizations...you name it...they have done it. This means they have and are creating counterfeit assignments, notes, mortgages, and property titles. Not only are they destroying lives, but they are rendering county land records across America null and void. When the banksters are missing paperwork required under the regulations, they just create it. They did it to us. They can do it to you.

Can anyone explain why banksters are not prosecuted just like anyone else would be for breaking state and federal laws?  What would happen if you or your neighbor made a counterfeit document (money, birth certificate, car title, drivers license, fake federal ID) to meet some type of ID requirement, financial obligation on federally regulated document, or to steal millions of dollars from an innocent banker? You would probably be on your way to a cell, and it would not be padded. As long as America remains a free nation, every citizen must be treated equally under the law. That is why we have the rights to defend against our accusers, due process, and other such rights granted to us in our Constitution.

Justice for all is the cry of the free nation. Justice cannot allow an alternative justice to exist for the banks or for a few select people who have been bought and paid for by the banks. The Banksters do not get this and they have not and do not abide by this. Apparently no official in Montana or Idaho gets it either as none of them have been willing to require the banksters to simply follow the law. All laws are in place to have stopped our victimization years ago. However, a law that is not upheld or enforced is nothing more than a counterfeit law. The housing crisis is proof our country is currently being run by counterfeit laws. Mistakes happen in any business. The acts of these banksters are not mistakes or simple errors of process. The banksters are intentionally and maliciously foreclosing on America without cause or right with fake IDs.

We are in Washington D.C. trying to stop this assault on our homeland. This is not a partisan issue. This is an American issue. Our hope and prayer is Washington D.C. is not scared of the banksters and that there are leaders on Capitol Hill and in the watchdog agencies governing our nation who are willing to stand up to the banksters and save our land. Over and over the banks and cowards in public positions have told us if the banks want the property, they just get them. It is so terrible, but it is just the way it is. Maybe you are one of those who has said this to us. Shame on you! Where is your sense of patriotism and civic duty? Where is your brain? What are you going to do when they decide they want your property? The banksters came for us, and you can bank on the fact if they are not stopped, the banksters will eventually come for you. Stand up and fight. Say no more. Get involved saving America before it is too late!

OCC Recommends Enforcement Against Wells Fargo Amid CEO’s Senate Hearing
https://www.autofinancenews.net/occ-recommends-enforcement-against-wells-fargo-amid-ceos-senate-hearing/
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Tim Sloan, the CEO of Wells Fargo, wants Congress and everyone else to believe he is making everything right. What about our family, Tim? Wells Fargo’s attack has been raging against our family for years. Settlement agreements, depositions, fines, letters to customers...all have come and gone without Wells Fargo ever once stepping up to do the right thing by us. Wells Fargo has ignored our QWRs, quashed our subpoenas, and refused to give us our records. Wells Fargo has threatened employees, fired employees, created fraudulent documents, and prevented us from finding an advocate or relief in the law. We committed no act or inaction to deserve this attack. We have begged, pleaded and demanded your assault against our family stop. So, Tim, what are you doing to help us? The world would like to know.

Buffett: Wells Fargo CEO Has My Faith
http://www.dsnews.com/daily-dose/10-03-2017/wells-fargo-ceo-tim-sloan-asked-step/
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Excerpt from article - Senator Elizabeth Warren called for the removal of Sloan and every member of the Board that was involved during the “height of cheating customers.” In regards to Wells Fargo CEO Tim Sloan she stated, At best you were incompetent, at worst you were complicit, Warren said. “Either way, you should be fired."

OPEN LETTER TO THE U.S. SENATE COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS:

Dear United States Senators,

Wells Fargo has willfully and intentionally committed grave criminal acts against our family. They have knowingly disregarded laws in place to protect us and ignored our pleas for relief. They have done nothing to make things right despite their promises to your committee and the American public to do the right thing. Our story is one of malicious mortgage fraud and acute regulatory failure. Please hold Wells Fargo and their accomplices accountable for what they have done to our family.

Because it happened to us and it could happen to others,
The Nick and Donna Nickerson Family

Janet Yellen: “Possible” But “Extremely Challenging” For Big Banks to Follow Laws
https://www.districtsentinel.com/janet-yellen-possible-extremely-challenging-big-banks-follow-laws/
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From a Democratic side, I’ve heard too big to fail is too big to manage. From a Republican side, I’ve heard too big to fail is too big to regulate. But whether the fault is the regulators who can’t regulate it, or the managers who can’t manage it, too big to fail is too big to exist. – Representative Brad Sherman (D – California)

Fraud is not limited by size. Big or small, truth in lending, good faith and fair dealing are necessary components for ethical business practices. Though breaking these banks up may be a good thing to do, it does not fix the fact officials have looked the other way while crimes were being committed, and judges and governing authorities have ignored their responsibilities and obligations to uphold and enforce the laws. The banksters and fraudsters need to be forced to do the right thing, and breaking the law simply needs to be illegal again.

Proof of Ongoing Foreclosure Fraud and Mortgage Document Fabrication, in Five Emails
https://www.nakedcapitalism.com/2015/09/proof-of-ongoing-foreclosure-fraud-and-mortgage-document-fabrication-in-five-emails.html
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Banksters and fraudsters are busted over and over again, but no one goes to jail. Bill Pataalo has been fighting the banksters on behalf of homeowners. "They can sign settlements, but as long as no one is going to jail, it's a profitable business venture. What I believe is that nobody knows who owns what, so the only thing they can do is recreate chains of title. They're marching this garbage into our courtrooms on a daily basis. Don't hold your breath expecting anything to come of this; state and federal law enforcement washed their hands of foreclosure fraud long ago. But we should recognize it continues unabated.

PHH Mortgage does not own our Idaho ranch. HSBC does not own our Montana ranch. We do. Yet these two entities have been allowed to rely on fabricated documents to claim standing to foreclose based on these falsified documents. This has allowed JP Morgan Chase and Wells Fargo to hide from any exposure for their criminal actions, avert discovery, avoid providing federally mandated records, and keep us from gaining access to employees. We are one family fighting five banks because our loans were treated like hot potatoes and no one in the judicial system would stop it. Help make state and federal law enforcement agencies do their jobs. It happened to us. It could happen to you.

HSBC yanks massive PHH mortgage servicing portfolio - PHH's subservicing portfolio will be cut by nearly 30%
https://www.housingwire.com/articles/37874-phh-takes-another-hit-as-hsbc-yanks-massive-servicing-portfolio
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HSBC and PHH Mortgage are, or have been, connected. This is very significant in our case. PHH Mortgage is wrongfully foreclosing on our Idaho ranch while HSBC is wrongfully foreclosing on our Montana ranch. Neither entity has lawful interest or ownership in either of the properties and neither entity has established standing or cause to foreclose against us. We did nothing wrong, but we have been unable to stop our abusers because the Courts will not stand up to the banksters. Pray and get involved!

'Lions Hunting Zebras': Ex-Wells Fargo Bankers Describe Abuses
https://www.nytimes/2016/10/21/business/dealbook/lions-hunting-zebras-ex-wells-fargo-bankers-describe-abuses.html
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They would look for the weakest, the ones that would put up the least resistance.

Banksters (Wells Fargo, HSBC, PHH Mortgage, JP Morgan Chase, Coldwell Banker – 5 giant banksters), you have gravely misjudged us and our resolve in this matter. We are not weak and you are not too big to fall or go to jail. A little shepherd boy had to stand before giants and an entire army once. All he had to do was take down one giant…and he did it with one little stone. We are here to fight for as long as it takes. Truth, justice and all laws are on our side. Prepare to fall!!!!!

Consumers never forget that He that is faithful in that which is least is faithful also in much and He that is unfaithful in that which is least in unfaithful also in much. Think about this before you do business with any giants with rap sheets.

Wells Fargo Whistle-Blowers' Fate Becomes Just a Footnote
https://www.nytimes.com/2017/05/04/business/wells-fargo-whistle-blowers.html
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A bad compliance system is one thing, but if people knew there were problems and were silenced, that's much more serious.

The banksters have fired employees for trying to help us save our Idaho Ranch. We have personally communicated with Wells Fargo, JP Morgan Chase, PHH Mortgage and HSBC's Executive Offices. These entities know our stories. They have told us we have to let them take what belongs to us even though they know we have done nothing to cause, warrant or justify their unlawful seizure. There are employees who know our story. Please contact us. We need your help. Others like us need your help. Please do the right thing. Speak up. There are sins of commission and sins of omission. Just because you do not personally commit the crime does not mean you are not morally, legally and ethically responsible for not stopping it. By not speaking up, you are aiding and abetting Wells Fargo, JP Morgan Chase, and these other mortgage terrorists in their criminal acts. Please stand up and do the right thing. We and your fellow Americans need your help to save our homes!

Are YOU A Mortgage Robber?

Whistleblower: Wells Fargo Fabricated and Altered Mortgage Documents on a Mass Basis
http://nakedcapitalism.com/2013/03/whistleblower-wells-fargo-fabricated-mortgage-documents-on-a-mass-basis.html
The address at the top of the mortgage document presented by HSBC in our Montana case corresponds with the address of the facility in Eagan, MN in this article. Montana has ignored the fraudulent creation of this document and allowed HSBC to use the document for summary judgment. A whistleblower has shown this is a "foreclosure mill" where thousands of foreclosure documents were altered and processed by Wells Fargo on a daily basis. American soil is being attacked daily. Why are Americans standing idly by while foreign and domestic entities steal our land?

Wells Fargo May Have Found More Fake Accounts Created by Employees
https://www.nytimes.com/2017/08/04/business/dealbook/wells-fargo-fraud-accounts.html?action=click&contentCollection=DealBook&module=RelatedCoverage&re
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To regain the trust we have lost, we must continue to be transparent with all our stakeholders and go beyond what has been asked of us by our regulators. Today’s regulatory filing reminds us of this, because it includes evidence of much of that work, particularly as we have identified problems that we have committed to fix.  - Tim Sloan

Trust? Really?? Tim, you and your executive offices have done nothing to right the wrongs you have committed against us. You have fired employees, refused to let employees testify on our behalf, refused to provide our records, and the list goes on. You know you have broken laws and have extreme exposure in our case, but have done nothing to fix it. We are not going to go away. We are going to keep telling our story to more and more people and officials until you and your accomplices are held accountable and our name is cleared. You can bank on it!

Disgraced Wells Fargo Executive Carrie Tolstedt Heavy Political Donor
http://www.savingadvice.com/articles/2016/09/12/1043764_disgraced-wells-fargo-executive-carrie-tolstedt-heavy-political-donor.html
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Tolsted’s donations included important senators like Democratic Presidential Candidate Hillary Clinton, Montana Senator Jon Tester, New York Senator Charles Schumer and Virginia Senator Mark Warner – most of whom were current or former members of the Senate Committee on Banking, Housing and Urban Affairs. Tolsted’s donation recipients were also the election campaigns of Republican representative Kevin McCarthy of California’s 23rd District, as well as former Montana Senator Max Bachus, North Carolina’s Kay Hagan and former senator Ben Nelson.

This is very alarming as a Montana citizen is being maliciously attacked by Wells Fargo…

Why It’s Unlikely Anyone Will Go to Jail Over Wells Fargo’s Massive Fraud Scheme
http://nymag.com/daily/intelligencer/2016/09/why-no-one-will-go-to-jail-over-wells-fargos-fraud-scheme.html
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Criminals steal to make money. Fraud makes money, and lots of it. When you look at all Wells Fargo has done, It's worth asking. Will anyone go to jail for this? The fine, after all, makes for a good headline but is actually something of a pittance: $185 million is only 3.3% of the $5.6 billion in net income Wells Fargo pulled in in the second quarter of this year. And whatever monetary penalties were assessed, there's a strong case to be made, here as anywhere else, that individuals who engage in fraud should, well, be prosecuted for committing fraud. That's sort of the point of the legal system.

The normal consequence for theft is jail time. Send them to jail!

STOP Northwest Trustee Services and Routh Crabtree and Olsen NOW!: Washington's Largest Foreclosure Company Charged With Conflict Of Interest-Home Auctions In Legal Jeopardy
http://stop-rco-now.blogspot.com/2013/07/washingtons-largest-foreclosure-company.html
Erika Peterman of Routh Crabtree and Olsen is the attorney of record for HSBC in the foreclosure action against our Montana property. Jeff Stenman claims to be the Secretary, Assistant Vice-President, Vice-President, and Director of Operations for Northwest Trustee. Northwest Trustee's Mr. All Things For All Fraud Needs robo-signed one of the two fabricated assignments from Wells Fargo Bank to HSBC Bank. Both assignments have been proved to be unlawful, but Montana courts have said we cannot challenge the assignments because we were not a part of the illegal act of creating them. They commit the crime. We pay the fine.

The Foreclosure King - LPS handles half of all foreclosures in the United States, but an investigation shows that the firm may have crossed the line.
http://graphics.thomsonreuters.com/F/12/Foreclosure.pdf
Foreclosure kings, princes and jesters all need to go to jail! Dethrone all of them and make them personally liable for their criminal actions. Judicial tyranny is not lawful in the United States of America. Stop granting them impunity for breaking the law.

Special report: Banks are still robo-signing
http://www.reuters.com/assets/print?aid=USTRE76H5XX20110719
EYEWITNESS ACCOUNT FROM VICTIMS OF ROBO-SIGNERS:
HSBC is foreclosing on our Montana Ranch and PHH is foreclosing on our Idaho Ranch with robo-signed documents. We still have possession of both properties and plan to retain possession and ownership. However, the District Courts have ruled against us in both states via summary judgment. The Supreme Courts of both states have ignored the truths of the matter and affirmed their decisions. The Courts have just rubberstamped the banksters' Complaints and disregarded the illegalities surrounding their false claims of standing. We have been told if the banks want the properties, they just get them no matter what laws were broken or whether we have done anything to give them right or cause. We have been told no one is Montana can or will stand up to Wells Fargo. Wells Fargo is foreclosing on our Montana Ranch under the name of HSBC. JP Morgan Chase is foreclosing on our Idaho Ranch under the name of PHH Mortgage. Both are foreclosing under different entities to avert discovery and avoid exposure for their criminal actions. Neither HSBC nor PHH have lawful interest in either of our properties. Law enforcement and watchdog agencies have admitted Wells Fargo and HSBC have committed fraud and this is a wrongful foreclosure. Nonetheless, the Montana case before the Supreme Court has been closed. The Idaho case before the Idaho Supreme Court is awaiting an appeal decision. While the case was still in appeal, the Idaho Ranch was unlawfully sold at public auction on August 28, 2017. We have a one year redemption period on both properties. The Idaho timeline is running, but, as stated previously, we are still in possession of both ranches. These banks have repeatedly told Congress and other watchdogs that they have changed their evil practices, are making things right with those they victimized, are putting procedures in practice to do things differently, blah, blah, blah. Obviously, they are not telling the truth! Not one of the 5 banksters involved in our loans (there are 5 because they played hot potato with our loans) have come forward to tell the truth, stop our victimization, or do the right thing. Yes, banks are still robo-signing...and they are STILL getting away with it.

GMAC's 'Robo-Signers' Draw Concerns About Faulty Process, Mistaken Foreclosures
https://www.propublica.org/blog/item/gmacs-robo-signers-draw-concerns-about-faulty-process-mistaken-foreclosures
Processing errors? Taking someone's home and committing financial murder against their life savings is a little more than a processing error. America needs to freeze future foreclosures and thaw and burn the previous ones. Unless the banks can prove, beyond a shadow of a doubt the homeowner has defaulted and they do have the right and standing to foreclose, no right to action should be granted.

America, do you understand the long-term consequences of fraudulently mishandling the authenticity of our land records? Have you considered the far reaching, even generational, impact of wrongful foreclosures? Someone needs to push the stop button; incarcerate the criminals who colluded and conspired to create this MESS; demand immediate and complete restoration of all records; and order comprehensive restitution of all property and damages suffered. Looking the other way will not fix this attack on our homeland. Yes, the solution is going to create some initial chaos. Yes, those who have benefited from purchasing stolen goods will suffer losses...just as they would if they purchased a stolen Lamborghini for $150 and the police came and took it away. Everyone has known mortgage fraud was rampant throughout this crisis. If those looking for quick windfalls fell prey to the mortgage robbers' schemes, they took that risk when they bought what they knew could be stolen goods. Benefiting from another's loss is not the American way. so it is time to do a reset. The mortgage robbers need to make amends to those damaged on both ends of the crisis. The banksters committed the crime. They need to pay the fine..and the time. Please, put some pressure on your state and federal legislators, representatives, and all oversight agencies. The longer this goes on, the the more traumatic the end resolution and the damages will be. Act now. Save America!

Wells Fargo CEO grilled by House panel https://www.usatoday.com/story/money/business/2016/09/29/live-wells-fargo-ceo-hearing/91260900/  
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Perhaps the House should consider cremation next time...

Our home is being stolen by Wells Fargo.  Wells Fargo has had every opportunity to tell the truth, take responsibility for their fraud and make things right. Instead, they have denied involvement, refused to provide records, held witnesses hostage, and bought and paid for systemic silence. God help America if she does not act swiftly to end this corruption and terrorism. We have met state representatives and countless officials at the Nation's Capitol who have had their homes stolen by Wells Fargo. They have asked us to keep fighting for them and for all Americans. We are, and we will, but our voices need the backup choir of American homeowners from across this land. Join the battle. Fight for our homes.

I called the Wells Fargo ethics line and was fired
http://money.cnn.com/2016/09/21/investing/wells-fargo-fired-workers-retaliation-fake-accounts/  
Will someone please give Wells Fargo a definition of what ethics is? Maybe a copy of the Ten Commandments would help too...especially the 8th commandment...Thou shalt not steal.

A NOTE TO WELLS FARGO

Wells Fargo, your customers treated you as they would like to be treated. You forgot the golden rule when you were building your fortune - Do unto others as you would have them do unto you. We the people helped build your bank into one of the largest banks in the world...with OUR money, OUR credit, OUR assets, OUR equity, and OUR homeland. In return, you have committed domestic terrorism against our family and all American citizens and high treason against the United States of America. We pray God and the United States of America will render to you according to your deeds.

In Wells Fargo’s Bogus Accounts, Echoes of Foreclosure Abuses http://www.nytimes.com/2016/09/22/business/in-wells-fargos-bogus-accounts-echoes-of-foreclosure-abuses.html  
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I don't remember ever hearing him apologize, because that would admit wrongdoing, and that's not part of Wells Fargo's corporate culture. Their culture is about not holding anybody at the top accountable. The Nickerson Family is holding you accountable! Your attack on our family was and is malicious. It is time for you to apologize, acknowledge your wrongdoing, do what is right, save our property, give us back all you have stolen, and clear our name. No more excuses. Do the right thing.

Wells Fargo CEO John Stumpf Testifies About Unauthorized Wells Fargo Accounts
https://www.C-span.Org/video/?415981-1/Ceo-john-stumpf-testifies-unauthorized-wells-fargo-accounts#  
Unauthorized Wells Fargo Accounts are proof Wells Fargo has committed fraud and intentionally stolen from innocent consumers. They are also gulity of the unauthorized selling of their customers' homes. Not only have they been convicted of committing criminal acts, but their record indicates they have habitually committed criminal acts. We have presented evidence of fraud, mortgage abuse, and theft to the offices of the Montana Attorney General, Banking Commissioner, State Auditor, Lewis and Clark Sheriff, Governor, all 150 State Representatives and Senators, Montana Courts, and other such authorities and officials in Montana. We have been told no one in Montana has jurisdiction over Wells Fargo and no one in Montana is going to stand up to Wells Fargo or the national banks. Then WHY is Wells Fargo in Montana? Why is Montana allowing a criminal to come into their borders to rob, kill and destroy with complete impunity? Montana, wake up! If national banks can cross our border and not be held accountable, they should not be allowed to do business in our state. Why are those who are supposed to protect us allowing a criminal like Wells Fargo to attack innocent citizens in Montana? Follow the money. We have and it is quite eye opening to see why these officials will not help us.

“Too Big to Manage…Too Big to Regulate” — Senators Say Wells Fargo Shows Need to Break Up Banks
https://www.districtsentinel.com/big-manage-big-regulate-senators-say-wells-fargo-shows-need-break-banks/
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The American dream and free enterprise can and will only endure if all are held to the same standard of law. The extent a law is upheld and enforced determines its merit and value. Posting a 15 mph speed limit in a school zone yields zero protection value unless consequences are issued for violations. Banking regulations and lending laws are no different. Fraud is running rampant because checks and balances that maintain fair play in lending are being ignored. The law requires standing to claim rights to action, signed verification of complaints, notarization of signatures, proper recording of true and legitimate documents, accurate record keeping, account record retention and production, fair dealing with consumers, and the list goes on. Every law and regulation is in place to have protected us from the malicious victimization and severe, significant, and substantial abuses we have suffered for years. Our rights to equal protection under the law have been denied through collusion, as well as incompetence and culpable negligence. Five minutes of reviewing what has happened demands ANY intelligent, law abiding citizen to immediately conclude we are victims of fraud and that the law has systematically failed to perform as our advocate or the sustainer of justice. If laws had not been negligently ignored, the extensive criminal acts and malicious mortgage terrorism committed would have been exposed. The entities responsible could have held accountable and appropriately deterred from targeting other innocent homeowners. Too big or too small is not the issue. Upholding and enforcing the law is the issue.

When Wells Fargo or the other mortgage robbers refuse to submit to laws and no one steps forward to enforce  regulations, they literally have the power to commit whatever atrocity they want. The fraud crisis in America is an ethics crisis. Ethics requires individuals and entities to do right because it is right, not because they might get caught or be held responsible. Wells Fargo, HSBC, JP Morgan Chase, PHH Mortgage, and Coldwell Banker have committed fraud because they can commit fraud. Senator Tim Scott (R – S.C.) said, The definition of fraudulent – God bless Black’s [Law] Dictionary – if I didn’t sign for it, it’s fraudulent…I like to have simple definitions.

So do we, Sir. Here are a few other Black’s Law Dictionary and Nickerson Common Sense Definitions the Senate Banking Committee should review when dealing with Wells Fargo and the other banksters.

Wrongful Foreclosure is the direct, deliberate, fraudulent, intentional, outrageous, reckless, unconscionable, unlawful and unconstitutional attempt of the Bank to rob, steal and destroy the life, liberty, happiness, and property of innocent homeowners.                                                                                                       Nickerson Common Sense Definitions

Robo-signers are: a) any persons in the mortgage industry who, under oath, sign a mortgage affidavit, assignment, power of attorney, etc. without personally verifying the information is true, b) individuals who forge executive signatures, c) lower-level employees who sign their own name and lie about their title, i.e. impersonate an officer of the company, d) people who execute documents when a notary is not present thereby causing the notary to lie about their signatures and, e) notaries who notarize fraudulent signatures, impersonators, and documents that are signed outside of their presence. In all cases, robo-signing involves unethical people illegally signing critical documents and falsely swearing to their truth and accuracy, while deliberately choosing not to verify the information they stated as absolute fact and for the express purpose to intentionally and maliciously fraud and defraud innocent homeowners.                                                                                                       Nickerson Common Sense Definitions

Defraud is to deprive a person of property or any interest, estate, or right by fraud, deceit, or artifice.

                                                                                                                              Black’s Law Dictionary

Fraud is deception; trick; artifice by which the right or interest of another is injured; a stratagem intended to obtain some undue advantage; an attempt to gain or the obtaining of an advantage over another by imposition or immoral means, particularly deception in contracts, or bargain and sale, either by stating falsehoods, or suppressing the truth.
                                                                                                                                                   Webster's

Criminal intent is the intent to commit a crime: malice, as evidenced by a criminal act; an intent to deprive or defraud the true owner of his property.
                                                                                                                              Black’s Law Dictionary

Malpractice is any professional misconduct, unreasonable lack of skill or fidelity in professional or fiduciary duties, evil practice, or illegal or immoral conduct.
                                                                                                                              Black’s Law Dictionary

Swindling is a term that is applied to the cheating a person out of his property or carrying out a deal that is fraudulent.
                                                                                                      Nickerson Common Sense Definitions

Prevention of Performance: theft at its pinnacle. In the modern day mortgage industry, when messing up records, lying about account data, trying to intimidate borrowers into cowering to blackmail demands of signing over titles, and all other attempts at mortgage robbery fails, prevention of performance is a cowardly and “fool proof” method for a bad guy to sabotage a good guy and steal his home and equity. Here is how it works. Refuse to provide the borrower any statements or proof of account transactions, communication, escrow analysis, etc. Charge their account twice monthly. Misapply payments. Buy expensive forced placed homeowners insurance even though you know the home is properly insured. Do whatever you need to create a problem on the account. Now, quit taking payments. Claim a default. Create some fake beneficial interest in the property. Note: Actually, it looks a little better and more believable if you do this first, but it can work both ways as has been proven in the Nickersons case. After all, you’re the mortgage company and they are just a homeowner, another pesky mosquito to swat if they get in your way. It happens.
It has and is happening right now with the Nickerson properties.
                                                                                                      Nickerson Common Sense Definitions

Malice Aforethought is a predetermination to commit an act without legal justification or excuse. A malicious design to injure.
                                                                                                                              Black’s Law Dictionary

Domestic Terrorism is when someone engages in acts dangerous to human life that are a violation of the criminal laws of the United States or any state.
                                                                                       Nickersons' Amended Answer and Counterclaim

Willful Misconduct is intentional disregard to the safety of others.
                                                                                                                              Black’s Law Dictionary

Willful Misconduct generally means a knowing violation of a reasonable and uniformly enforced rule or policy. It means intentionally doing that which should not be done or intentionally failing to do that which should be done, knowing that injury to a person will probably result or recklessly disregarding the possibility that injury to a person may result.”  
                                                          From www.definitions.uslegal.com/willful-misconduct/

Wells Fargo Is Accused of Making Improper Changes to Mortgages
https://www.nytimes.com/2017/06/14/business/wells-fargo-loan-mortgage.html
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Homeowners sue Wells Fargo for changing their mortgages without seeking court approval and following the proper protocol. Taking advantage of families facing financial troubles and bankruptcy is really low…even for a bankster. We pray these banksters will personally experience that old adage what goes around comes around.

Foreclosure Fraud Is Supposed to Be a Thing of the Past, But It Happens Every Day
https://theintercept.com/2016/05/18/foreclosure-fraud-is-supposed-to-be-a-thing-of-the-past-but-it-happens-every-day/  
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Not only are the banksters digitally signing the assignments, but they are digitally notarizing them. So the computer appears before the computer, I guess, to verify that this was the authentic computer that signed the document.

Today is always a very bad day for foreclosure. When you did nothing wrong, did not default, and did not give cause or right for your home to be taken from you, and your property is unlawfully foreclosed upon, today becomes the day America was stolen from the American people.

Bank of America Escalates Foreclosures After Settlement
https://www.aol.com/article/2011/09/26/bank-of-america-escalates-foreclosures-after-settlement/20066296/

Brown Opening Statement at Banking Committee Hearing on Wells Fargo's Unauthorized Accounts
https://www.brown.senate.gov/newsroom/press/release/brown-opening-statement-at-banking-committee-hearing-on-wells-fargos-unauthorized-accounts
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Excerpts from Senator Sherrod Brown's Opening Statement. Click on the PDF above to read the speach in its entirety. Excellent points made.
I was stunned when I learned of the breadth and duration of the fraud committed by Wells Fargo. I hope today we can begin to understand what went wrong and what needs to be done...The workers lost their jobs with no parachute of any color. And it's not just 5300 team members who paid the price, because many more were fired when they couldn't make the quotas, and still more chose to quit rather than cheat. By contrast, Ms. Carrie Tolstedt, the Senior Executive Vice President For Community Banking, has done quite well. She knew of this problem at least five years ago, and is retiring with a package that may be worth more than the CFPB's record fine of $100 million dollars. So 5300 team members, earning perhaps $30,000 a year, have lost their jobs, while Ms. Tolstedt walks away with $100 million, give or take....You would think the lessons of the financial crisis, which came at such a high cost to our country, would change the way banks do business.


Fannie Mae Slapping Deficiency Judgments on Decades-Old Debt
https://defendyourhomefightforeclosure.wordpress.com/2014/11/25/fannie-mae-slapping-deficiency-judgments-on-decades-old-debt/
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Obama’s Foreclosure Relief Program Was Designed to Help Bankers, Not Homeowners
http://billmoyers.com/2015/02/14/needless-default/
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It's a terrible irony. This man who represents so much to people of color has presided over more wealth destruction of people of color than anyone in American history....Perhaps the worst legacy of the failure to stop the crisis is the impact on trust in government itself. HAMP'S predatory lending schemes reinforced the old Ronald Reagan dictum that the most dangerous words in the English language are "I'm from the government and I'm here to help." How do you tell families who signed up for an aid program that ended up actively harming them to ever believe in government again?

Shoddy Bank Practices Continue Even After Mortgage Mods
https://www.propublica.org/article/profiles-shoddy-bank-practices-continue-even-after-mortgage-mods
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It is time for the Courts to do their job. Laws are in place to protect homeowners from fraud, but they have to be upheld and enforced.

Regulators: Wells Fargo, Chase, U.S. Bank still fail mortgage service tests
http://www.latimes.com/business/la-fi-re-wells-chase-fail-mortgage-tests-20150617-story.html
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Feds say Wells Fargo, Chase and four other banks still fail to meet standards for mortgage servicing...Four years after pledging to clean up wide-ranging foreclosure abuses, Wells Fargo & Co., JP Morgan Chase & Co. and four other banks still aren't complying with customer-service standards imposed by a federal regulator...In a statement, Chase said it has made "significant progress" in meeting the terms of its consent order, noting, "we believe we're in a position to complete our remaining items by the end of summer....Wells Fargo said it has made "significant changes" in servicing. "We have an action plan in place to complete that work in the coming months.

Regulators, our story is chronicled throughout this site. These entities have committed so many crimes in our case it is inconceivable, and they have done nothing to make things right. Please hold these banksters accountable for what they have done to us for years.
 

Wells Fargo Offers Regrets, but Doesn’t Admit Misconduct
http://www.nytimes.com/2016/09/10/business/dealbook/wells-fargo-apologizes-but-doesnt-admit-misconduct.html?_r=0
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Wells Fargo claims their wrongdoings are not part of an intentional strategy. Based on our personal experiences, we disagree. Read our story. What they have done to us is unquestionably intentional  and malicious. The Executive Offices know the whole story and have done nothing to stop the abuse. The first step to change is admitting you need to. Until Wells Fargo takes some responsibility for their actions, they are not going to change. Think about it...

Thousands of Aggressive Homeowners Secretly Settle Fraudclosures With Gag Clauses https://livinglies.wordpress.com/2014/05/21/thousands-of-aggressive-homeowners-secretly-settle-fraudclosures-with-gag-clauses/
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The reason why you don't hear about success in defeating the banks is because people are under gag orders not to talk about it. No more silence. No more abuse. What the banksters did to you was wrong. What the banksters are doing to us is wrong. What the banksters are going to do to others can be stopped. Speak up, America! Stop these banksters from abusing our fellow Americans and stealing our land any further. Remember what happened in Nazi, Germany when people were silent. PLEASE! Speak up before history repeats itself!!

Rage Among The Ruins
http://ww2.callawyer.com/clstory.cfm?pubdt=201302&eid=926895&evid=1
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Incredible story of one attorney named Michael Pines who got caught in the middle of the foreclosure battlefield and refused to play on the wrong side.

Foreclosure Vigilantes Arrested
https://aol.com/article/2010/10/18/attorney-busted-for-aiding-evicted-homeowners/19677462/
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No one can accuse Attorney Michael Pines (Attorney #77771) of not trying to help keep his clients in their homes. Whether or not you agree with his tactics, his passion to change the system and keep people in their homes is remarkable. Pines said their action was part of a revolt against "illegal" foreclosure and eviction practices that have caused countless people to lose their homes, and that the system needs to change.

This article was written in 2010. It is 2018, and the banksters are still doing the same things. We are victims who are fighting back. We are in Washington D.C. trying to expose the comprehensive fraud, corruption and collusion going on across America. We are asking Congress to hold hearings to make the CEOs of the banks answer for their actions in the assault on our family. We are currently assembling information for the different banking and oversight committees and watchdog agencies. If you have been victimized by foreclosure fraud, send us your story or case number. Help us fight all the way for our home and all American homes.

No more silence. No more abuse. We need to stand up to these banksters before they foreclose on America.

Lawyers Are Now The Driving Force Behind Mortgage Scams
http://www.huffingtonpost.com/2014/06/09/mortgage-scams_n_5438743.html
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Unethical lawyers helped the banksters foreclose on America with complete impunity. It is time for them to be held responsible for their actions.

HSBC v. TAHER | Judge Schack Grand Slam!! MERS, Plaintiff's Counsel, Ocwen Robo-Signers Christina Carter, Scott Anderson, Margery Rotundo Dismissed w/ Prejudice
http://stopforeclosurefraud.com/2011/07/06/hsbc-v-taher-judge-schack-grand-slam-mers-plaintiffs-counsel-ocwen-robo-signers-christina-carter-scott-anderson-margery-rotundo-dismissed-w-prejudice/
It is coming around!

Foreclosures take an emotional toll on many homeowners
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http://usatoday30.usatoday.com/money/economy/housing/2008-05-14-mortgage-foreclosure-mental-health_n.htm
Many? Can someone please provide the names of homeowners who have endured foreclosure without it taking an emotional toll on them, their family and even their community? Financial concerns are arguably the most intense concern, issue, stress, or threat families face in our society today. Maybe that is why our founding fathers ensured we could have property rights when they established America? This is a serious issue that needs to be addressed. Home ownership and the right to due process are foundational rights of American citizens. Mortgage fraud strips innocent Americans of both!

Study centers on foreclosure' stress on family life
http://www.washingtonpost.com/wp-dyn/content/article/2010/02/12/AR2010021204156_pf.html
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Latino families are being foreclosed on...and it is hurting them.

Foreclosures Are Killing Us
http://www.nytimes.com/2011/10/03/opinion/foreclosures-are-killing-us.html
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Foreclosure is not just a metaphorical epidemic, but a bona fide public health crisis.

Foreclosures are killing us...in more ways than one.

More Than 10,000 Suicides Tied To Economic Crisis, Study Says
https://www.forbes.com/sites/melaniehaiken/2014/06/12/more-than-10000-suicides-tied-to-economic-crisis-study-says/#27b0e6307ae2
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Suicide caused due to mortgage fraud and abuse should be prosecuted as murder. The mortgage robbers are planning, scheming and executing murder on the lives of innocent homeowners. This is premeditated murder. Therefore, those involved with wrongful foreclosure should be charged as accomplices to murder!  This is especially true of attorneys who knowingly allow and participate in the wrongful foreclosures. Mortgage robbers are making homeowners feel suicide is their only way out. This must stop. America cannot shirk her responsibility to her own citizens while crying out across the ocean to foreign lands, Give me your tired, your poor, your huddled masses yearning to breathe free, the wretched refuse of your teeming shore. Send these, the homeless, tempest-tossed to me, I lift my lamp beside the golden door....

Recession 'link' with over 10,000 suicides in the West
http://www.ox.ac.uk/news/2014-06-12-recession-link-over-10000-suicides-west
Mortgage Robbers, you have blood on your hands. America may never know just how many murders you actually committed against our citizens. God knows, and we pray God will hold you doubly accountable for your actions and inactions on every wrongful foreclosure that has occurred in our homeland. We pray each day that God will bless America and God will judge you.

After Foreclosure, Homeowners Face Long Wait to Buy Again
https://www.aol.com/article/2012/02/24/after-foreclosure-homeowners-ready-to-buy-again-face-long-wait/20178964/
We did nothing wrong to give cause or right for our home or properties to be taken from us. If our home can be taken from us, there is no home in America that is safe. What possible reason would a homeowner have to rebuild after being wrongfully foreclosed upon if they did not do anything wrong...so that the mortgage robbers can come back in five or ten years and do it again?

Breaking Down the Real Cause of the Foreclosure Crisis
http://mandelman.ml-implode.com/2011/05/breaking-down-the-real-cause-of-the-foreclosure-crises/
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Greed. Corruption. Felonious business practices. Domestic terrorism. Treason. Despotism.

400,000 Foreclosure Settlement Checks Sent To Wrong Address
http://www.huffingtonpost.com/2013/07/24/foreclosure-settlement-wrong-address_n_3641641.html?utm_hp_ref=foreclosure-crisis
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Maybe America should order 400,000 of the mortgage robber's annual salaries and bonus checks need to be sent to American homeowners at the right addresses to make amends for their errors.

Are We Heading for Another Housing Crisis?
http://money.usnews.com/money/personal-finance/articles/2016-05-12/are-we-heading-for-another-housing-crisis
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Yes!

Bank of America Lied to Homeowners and Rewarded Foreclosures, Former Employees Say
https://www.propublica.org/article/bank-of-america-lied-to-homeowners-and-rewarded-foreclosures
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Whistleblowers come forward! America needs you!!

Banks Keep Breaking Into Houses, And Homeowners Are Fighting Back
http://www.huffingtonpost.com/2013/10/02/bank-contractor-lawsuits-safeguard_n_3975574.html?utm_hp_ref=foreclosure-crisis
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Homeowners should not have to fight back. The law is supposed to be their advocate. Uphold and enforce the laws and it would fix most, if not all, wrongful foreclosures.

Big Banks' Mortgage Units - Still failing Customers - Face New Restrictions
http://www.huffingtonpost.com/2015/06/17/foreclosure-abuses_n_7606464.html?utm_hp_ref=foreclosure-crisis
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OCC Terminates Mortgage Servicing-Related Consent Order Against Wells Fargo Bank, Issues $70 Million Civil Money Penalty
http://www.occ.gov/news-issuances/news-releases/2016/nr-occ-2016-61.html
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Debt Collectors Harass Americans Even After They've Lost Their Homes To Banks
http://www.huffingtonpost.com/2014/10/14/debt-collectors-foreclosure_n_5981622.html?utm_hp_ref=foreclosure-crisis
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Distressed Homeowners Need Lots of Help
http://www.huffingtonpost.com/joel-sucher/distressed-homeowners_b_5449165.html?utm_hp_ref=foreclosure-crisis
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Freddie Mac Unaware Of Homeowner Complaints, Inspector General Concludes
http://www.huffingtonpost.com/2013/03/21/freddie-mac-homeowner-complaints-inspector-general_n_2919641.html?utm_hp_ref=foreclosure-crisis
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See no evil, hear no evil, and expose no evil policies do not change whether or not evil is happening all around us. These policies cannot be allowed to exist at institutions that are supposed to protect our homes.

The Next Housing Crisis Is Here
http://www.businessinsider.com/housing-supply-crisis-is-looming-2016-3
And...it will forever be here unless America stands up and takes our country back from those who are stealing our land.

How Bank Watchdogs Killed Our Last Chance At Justice For Foreclosure Victims
http://www.huffingtonpost.com/2014/04/29/bank-foreclosure-victims_n_5228275.html?utm_hp_ref=foreclosure-crisis
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JPMorgan Chase pays $614M over mortgage lending
https://www.usatoday.com/story/money/business/2014/02/04/jpmorgan-chase-mortgage-lending/5215023/#
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https://www.justice.gov/opa/pr/jpmorgan-chase-pay-614-million-submitting-false-claims-fha-insured-and-va-guaranteed-mortgage
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J.P. Morgan Is Bringing Some Fintech Startups In-House
http://fortune.com/2016/06/30/j-p-morgan-is-bringing-some-fintech-startups-in-house/
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Senate to Consider Wide-Ranging Bill to Address Zombie Foreclosure "Crisis"
http://www.housingwire.com/articles/print/37372-senate-to-consider-wide-ranging-bill-to-address-zombie-foreclosure-crisis
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The Next Housing Crisis Is Pending
http://www.marketwatch.com/story/the-next-housing-crisis-is-pending-2016-05-04

Why JP Morgan Data Breach Is Like No Other
http://www.theatlantic.com/business/archive/2014/10/why-the-jp-morgan-data-breach-is-like-no-other/381098/
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America's Foreclosure Crisis Isn't Over
http://www.cbsnews.com/news/americas-foreclosure-crisis-isnt-over/
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CFPB Takes Action Against PHH Corporation for Mortgage Insurance Kickbacks
https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-phh-corporation-for-mortgage-insurance-kickbacks/
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Holder Admits Some Banks Are ‘Too Big to Jail’
http://www.wnd.com/2013/03/holder-admits-some-banks-too-big-to-jail/?cat_orig=politics
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I am concerned that the size of some of these institutions becomes so large, that it does become difficult for us to prosecute them when we are hit with indications that if you do prosecute, if you do bring a criminal charge, it will have a negative impact on the national economy, perhaps even the world economy. Statement of Attorney General Eric Holder before the Senate.

According to this article, the Attorney General believes some banks are too big to go to jail. Really? Scary? Thomas Jefferson warned a day like this could come: If the America people ever allow private banks to control the issue of currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their fathers conquered."

Put them in jail. America will pull together and survive the attack on the economy. We will pay the price to be free from their tyranny. We need to stop them now or we will be enslaved by them forever.

HSBC to Pay $249 Million in Foreclosure Settlement
http://www.huffingtonpost.com/2013/01/18/hsbc-foreclosure-settlement_n_2506400.html

Protest by churches against foreclosures

http://atoday.org/national-protest-by-churches-against-foreclosures-is-led-by-adventist-pastor/

CHASE Bank Sells Off Soldier’s Home On The Very Same Day He Returns From Iraq
https://thinkprogress.org/chase-bank-sells-off-soldiers-home-on-the-very-same-day-he-returns-from-iraq-d4dd80ab2745?mobile=nc

Banks May Have Illegally Foreclosed On Thousands Of Military Members http://www.khq.com/story/16147349/banks-may-have-illegally-foreclosed-on-thousands-of-military-members
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JPMorgan CHASE Whistleblower: 'Essentially Suicide' To Stand Up To Bank http://www.huffingtonpost.com/2012/05/07/linda-almonte-jpmorgan-chase-whistleblower_n_1478268.html
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The Cost of the Crisis Caused By Wall Street = No Less Than $12.8 Trillion Dollars
http://bettermarkets.com/reform-news/cost-crisis-caused-wall-street-no-less-128-trillion-dollars 
This page has a link to the Better Markets report that totals the cost of the crisis.

Homeowners' Rebellion: Could 62 Million Homes be Foreclosure-proof? http://www.webofdebt.com/articles/homeowners.php
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Mortgage Servicing Fraud.org
http://msfraud.org/articles-2012_aug.htm
News related to the foreclosure crisis.

The Home Equity Theft Reporter:

http://homeequitytheft.blogspot.com/
Welcome to the Home Equity Theft Reporter, a blog dedicated to informing the consumer public and the legal profession about Home Equity Theft issues. This blog will consist of information describing the various forms of Home Equity Theft and links to news reports and other informational sources from throughout the country about the victims of Home Equity Theft and what government authorities and others are doing about it.

Max Gardner’s Top 200 Signs You’ve Got a False Document & New Blog Friend Lizinsarasota or SarasotaLiz
http://chasehomefinancesux.com/?p=958
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Articles, blogs, stories, and cases about mortgage abuse issues.

The National WAMU (WASHINGTON MUTUAL) Homeowners Support Group “WAMU…screwed the wrong people!”
http://www.wamuloanfraud.com/node/4
The National WAMU (Washington Mutual) Homeowners Support Group is comprised of WAMU borrowers across America who have come together to support one another in achieving a workable, sustainable solution to the foreclosure crisis.

Foreclosure Victims’ Blog — Foreclosure Law
http://freeforeclosurelawyer.com/foreclosure-victims-blog/
Facts and legal info about WAMU (Washington Mutual). WAMU almost never assigns the Deed of Trust or Mortgage.  WAMU forecloses directly or through JPMorgan CHASE, its alleged new owner.

WaMu (WASHINGTON MUTUAL) bank executives aware of rampant fraud yet they failed to act, Senate investigation finds.
http://www.publicintegrity.org/2010/04/12/4144/wamu-bank-executives-aware-rampant-fraud

False Statements - R.K. Arnold Mortgage Electronic Registration Systems http://stopforeclosurefraud.com/2010/11/18/false-statements-r-k-arnold-mortgage-electronic-registration-systems/
Fraud and MERS (Mortgage Electronic Registration Systems).

Petition To The U.S. Government From American Homeowners http://www.petition2congress.com/2564/petition-to-us-government-from-american-homeowners/view/4

PHH Mortgage Simply The Worst Mortgage Servicing Company In The USA! http://activerain.com/blogsview/1809952/phh-mortgage-simply-the-worst-mortgage-servicing-company-in-the-usa-
This bloggers advice is, Realtors, If you have a short sale listing with PHH as the first mortgage. . .WALK AWAY. . . no, no. better. . .RUN AWAY  to the other side! PHH stands for Pulling Homeowners into Hell One at a time.
 
Rip Off Reports - PHH Abuse
http://www.ripoffreport.com/Search/phh.aspx
Victims tell their PHH abuse stories. Alerts. Warnings. Forged documents. Things to watch for. If PHH is your servicer, and you have any equity, we echo a loud BEWARE. It happened to us. Remember, it could happen to you.

Excerpt from the It Happened To Us music video: They said, Today we will steal all you own, all you own. They said, Today we will steal all you own.

Top 318 Complaints and Reviews about PHH Mortgage
https://www.consumeraffairs.com/finance/phh_mortgage.html

PHH Mortgage - Complaints Board
https://www.complaintsboard.com/complaints/phh-mortgage-c384930.html

Rip Off Reports - CHASE Abuse
http://www.ripoffreport.com/Search/chase%20home%20finance.aspx
Victims tell their CHASE abuse stories. Sounds a lot like our experience with CHASE. Credit destroyed. Falsified documents. Messed up records. Fraud.

The Burning Platform – Who’s Your Lender?
www.theburningplatform.com/?p=36785
From The Burning Platform - Remember, this fight is about restoring our property rights and the rule of law...We’re taking the fight to every local state courthouse and giving homeowners the tools to secure their homes and restore private property rights. This is a ground game and it is entirely winnable. It takes tenacity but once you learn to navigate the local state court system it’s entirely doable.

Foreclosure Fraud: How You Can Be Driven to Default Even if You Pay On Time http://www.cbsnews.com/8301-505123_162-41240544/foreclosure-fraud-how-you-can-be-driven-to-default-even-if-you-pay-on-time/
The new nation-wide investigation into foreclosure frauds comes as no surprise to people who follow the mortgage service business. Shoddy, deceptive paperwork has plagued homeowners for years. In the industry's slimy underside, firms push borrowers into default and foreclosure, even when they've been making payments on time.

Special Report: The latest foreclosure horror: the zombie title
http://www.reuters.com/article/us-usa-foreclosures-zombies-idUSBRE9090G920130110
Six years in, thousands of homeowners are finding themselves legally liable for houses they didn't know they still owned after banks decided it wasn't worth their while to complete foreclosures on them. With impunity, banks have been walking away from foreclosures much the way some homeowners walked away from their mortgages when the housing market first crashed.

Three Million Seniors Risk Losing Homes
http://www.aarp.org/content/dam/aarp/research/public_policy_institute/cons_prot/2012/nightmare-on-main-street-AARP-ppi-cons-prot.pdf
This article provides statistics on how the foreclosure crisis is affecting seniors: 600,000 home loans for 50+ Americans were in foreclosure and 625,000 home mortgages were “seriously” delinquent (>90 days) as of December 2011. From 2007 to the end of 2011, 1.5 million senior homeowners lost their homes due to the housing collapse. America, this has to stop!

Bank Officials Cited in Churn of Foreclosures
http://www.nytimes.com/2012/03/13/business/federal-report-cites-bank-officials-in-foreclosure-surge.html
According to this article, Bank of America, JP Morgan CHASE, Wells Fargo, Citigroup and Ally signed a settlement for $26 Billion because they engaged "in a pattern of unfair and deceptive practices." JP Morgan CHASE, operations supervisors "routinely signed foreclosure documents, including affidavits, certifying that they had personal knowledge of the facts when they did not." Employees of JP Morgan CHASE took on titles like "vice president of CHASE Home" even though "the titles were given by CHASE for the sole purpose of allowing individuals to sign documents and came with no other duties or authority. In one review of 36 foreclosures at JP Morgan CHASE, the bank was able to find documents explaining what the borrowers purportedly owed in only four cases. And in three of those four instances, the underlying documents proved incorrect. You can read more of the complaints against each of the banks by clicking on the link above.

Inside CHASE and the Perfect Foreclosure
http://www.mandelman.ml-implode.com/2010/09/inside-chase-and-the-perfect-foreclosure/
According to former CHASE employee Jerad Bausch, JP MORGAN CHASE is in the foreclosure business, not the modification business. The whole focus is to foreclose, not to modify...They put the borrower through every hoop and obstacle they can, so that when something fails to get done on time, or whatever, they can deny it and proceed with the foreclosure. Like, 'Hey we tried, but the borrower didn't get this one document in on time.'...They weren't trying to figure out how to modify a loan, they were trying to find a way to foreclose...Our attitude at CHASE was to process everything as quickly as possible, so we can foreclose and take the house to sell. That's how we made our money.

NOTE: Depending on what browser you are using, you may have to subscribe to Mandelman's feed to link directly to this article. If the link does not work, go to www.mandelman.ml-implode.com and search for the name of the article in quotes. Thanks.

The Depositions That Sparked The Foreclosure Scandal
http://www.propublica.org/blog/item/read-the-depositions-that-sparked-the-foreclosure-scandal
Bank employees have acknowledged that they've signed thousands of foreclosure documents each month without much firsthand knowledge of what they contained.
According to the deposition of Kelly Scott of the Law Offices of David J. Stern, key documents necessary to proceed with a foreclosure would be missing from a case file, and then the paperwork would appear when needed. Mistakes went uncorrected on the assumption that a judge wouldn't notice. Paralegals acted as notaries, often notarizing documents even before they were signed. Then they'd be signed by the office manager of the foreclosure department, who "doesn't review them." Due to the volume of documents, the manager taught others to forge her signature and allowed them to sign on her behalf. Files that weren't processed correctly would be hidden from clients who came to review the work.

Biggest Housing Bubble Since 807 AD Has Burst
http://www.zerohedge.com/contributed/2012-11-20/grantham-biggest-housing-bubble-807-ad-has-burst
Many claim that housing is currently experiencing a rebound. Whether or not that ends up being verified, the housing crash which started in 2007 is so massive that it is historic in its significance.

Cities with the Most Home Foreclosures in America - way too many red dots!
http://www.thearizonasentinel.com/2011/06/09/cities-with-the-most-home-foreclosures-in-america-way-too-many-red-dots/
According to this article, 1 in 46 homes in the USA are in foreclosure. Google maps show current foreclosures across the United States in 2011.  Dots pinpoint actual current foreclosures. Cities mapped are  Boise, Idaho; Cape Coral, Deltona, Lakeland, Naples, Orlando, Port St. Lucie, Sarasota, Tampa, Florida; Bakersfield, Merced, Miami, Modesto, Riverside, Sacramento, Stockton, Vallejo, California; Reno, Nevada; Phoenix, Arizona;  Las Vegas, Nevada. Take a few minutes and look at these maps. This should never have happened and it is time for it to stop. Get involved.
Note: The link to this article is no longer working. Click here to see the maps.

JP Morgan CHASE Caught Red Handed
http://www.infowars.com/the-destruction-of-america-brought-to-you-by-jp-morgan-chase/
Alex Jones vs. CHASE bank. A report you do not want to miss. JP Morgan CHASE is at the heart of Rothschild and Rockefeller monetary interests; no wonder that its [CHASE] CEO Jamie Dimon sits on the New York Federal Reserve board of directors, while wealthy elites like Warren Buffett have called for him to replace Tim Geithner (another Fed insider) at the Treasury Department.

The Federal Reserve Fraud and "the Invisible Government"
http://www.healthfreedom.info/Federal_Reserve_Fraud.htm
The Federal Reserve Banks are independent, privately-owned, and locally controlled corporations. No State shall make any Thing but gold and silver Coin a Tender in Payment of Debts. Article 1, Section 10, United States' Constitution.

*See the international page for another article on the Federal Reserve and JP Morgan CHASE CEO Jamie Dimon.



It is happening in Alabama



81,000
Homes Foreclosed
Since 2007



                                  Stats per CoreLogic

And articles to tell the Alabama story are coming soon...




It is happening in Alaska


9,000       
Homes Foreclosed            
Since 2007         



            Stats per CoreLogic

And articles to tell the Alabama story are coming soon...




It is happening in Arizona


  399,000
   Homes Foreclosed
Since 2007



                                 Stats per CoreLogic

And articles to tell the Arizona story are coming soon...




It is happening in Arkansas


56,000  
Homes Foreclosed   
Since 2007   



 Stats per CoreLogic       

And articles to tell the Arkansas story are coming soon...




It is happening in California


1,111,000   
Homes Foreclosed    
Since 2007    



                                  Stats per CoreLogic

CHASE puts kids out on the street while their single mother is at work. Christmas Carolers Protest Foreclosure at CHASE Bank.
http://www.content.postnewsgroup.com/2012/01/christmas-carolers-protest-foreclosure-at-chase-bank/
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On the first month of default, my true love sang to me, we lost all of our equity.

It is Christmas time and this article says Chase is throwing families out on the street for Christmas. Americans should gather in front of Chase headquarters and Chase banks across the nation to protest. JP Morgan Chase employees threatened to throw us and our children out of the streets too. They demanded we sign over a note to them or they would take everything we own. We had not done anything wrong so we refused to cower to their blackmail demands. We fought back and are still fighting back. We are still in possession of our home, but the courts have ruled against us. Join us and others in this fight for our homes. What Chase and the other Banksters are doing is wrong. They are unlawfully seizing America. Jamie Dimon, Chase and their accomplices need to be held accountable for the abuse they have perpetrated on innocent people. For Christmas, the United States of America needs to give them and their attorneys a free long-term rental in a jail cell.

Police refuse to evict ex-marine Arturo de los Santos and his family despite CHASE and Freddie Mac's unreasonable demands
http://www.democracynow.org/2012/1/31/ex_marine_re_occupies_his_own
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http://www.rebuildthedream.com/blog_riverside_sheriffs_department_wont_evict_arturo
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California is fighting back. The Riverside Sheriffs Department refused to evict the Santos family from their home, despite Freddie Mac’s persistence in taking Arturo to court for refusing to vacate.

22 arrested for protesting on CHASE bank steps

http://newsone.com/916395/protesting-foreclosures-at-chase-bank-arrests/
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Homeowners facing foreclosure, community advocates, and labor leaders tell CHASE no more.

Man Wins House Free and Clear: UD Judgment for Homeowner Vacating "Sale"

http://livinglies.wordpress.com/2011/06/07/ca-man-wins-house-free-and-clear-ud-judgment-for-homeowner-vacating-sale/ 
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Faulty legal description strips lien from house! Homeowner in California receives home free and clear because the legal description provided used to sell his home was different than his original deed of trust.

Homeowner Suffers Horrific Injustice at the Hands of JPMorgan CHASE
http://mandelman.ml-implode.com/2011/03/homeowner-suffers-horrific-injustice-at-the-hands-of-jpmorgan-chase/
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From Mandelman - For over two years I’ve had a front row seat for the foreclosure crisis, the by-product of our government’s complete mishandling of the worst economic downturn in seventy years. During that time I’ve been exposed to some pretty horrific things… people living in their cars with a child sleeping in the trunk… the eviction of an 89 year-old couple… I’ve gotten to know what that fear sounds like and feels like… the fear of losing one’s home while the country talks about you as being nothing more than an “irresponsible borrower,” someone who never should have bought your home in the first place, even though you may have lived in it for 30 years. What I saw this past week, however, was something new for me… I’d heard of things like this happening before, written about them, even.  But, I had never seen anything like it, up close and personal...




It is happening in Colorado

159,000
Homes Foreclosed
Since 2007


                           Stats per CoreLogic

Sheriffs, SWAT, and Assault Rifles in Idaho Springs, Colorado
https://submedia.tv/stimulator/2012/11/01/shocking-video-swat-team-evicts-elederly-woman/
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http://istherejusticeinamericaforthose.blogspot.com/2014/04/us-bank-uses-militarized-terrorist-swat.html
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If you do not read any other article on this page, read this one. Note: These photographs and this event did not occur in Nazi, Germany. It occurred in the United States of America in Idaho Springs, Colorado.



It is happening in Connecticut

38,000

Homes Foreclosed   
Since 2007    

                                          Stats per CoreLogic

And articles to tell the Connecticut story are coming soon...




It is happening in Delaware

16,000
Homes Foreclosed
Since 2007

                    Stats per CoreLogic

And articles to tell the Delaware story are coming soon...



It is happening in the District of Columbia (Washington D.C.)

5,000
Homes Foreclosed
Since 2007

                           Stats per CoreLogic

Disabled EMT being foreclosed upon. Banks Don’t Need Homes, People Do: The Case of Deborah Harris.
http://thefightback.org/2012/06/banks-dont-need-homes-people-do-the-case-of-deborah-harris/




It is happening in Florida

960,000
Homes Foreclosed
Since 2007



                                               Stats per CoreLogic

Inside the Abortive FBI Investigation of Illegal Foreclosure in Florida
https://www.vice.com/en_us/article/what-happened-when-the-fbi-investigated-foreclosure-fraud-in-florida

The Great American Foreclosure Story: The Struggle for Justice and a Place to Call Home

http://www.propublica.org/article/the-great-american-foreclosure-story-the-struggle-for-justice-and-a-place-t/single
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The Banks Lost the Notes: This is no Joke! http://corporatejusticeblog.blogspot.com/2010/10/banks-lost-notes-this-is-no-joke.html
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What kind of banker loses promissory notes? "A **** careless one," according to Law Professor Douglas Whaley, who spent 40 years teaching Commercial Paper at Ohio State University. What kind of banker destroys promissory notes? A "really stupid" one, says Professor Whaley. And yet, it is now clear that promissory notes underlying mortgage backed securities were lost or destroyed on a systematic basis, in what can only be termed yet another exhibition of the infinite recklessness (or corruption) of the bankers running the US economy. How bad was it?


Fallen Foreclosure King David J. Stern Disbarred
https://www.motherjones.com/politics/2014/01/foreclosure-lawyer-david-stern-disbarred-florida
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Lawyer helps banks steal tens of thousands of homes, fraudulently forge and fabricate hundreds of thousands of court documents, illegally makes millions of dollars, and he just gets disbarred. Disbarred simply means you cannot practice law anymore. Actually, it sometimes means you cannot practice law for a specified period of time. As many millions of dollars as this foreclosure fraudster stole from innocent homeowners, do you really think he needed to or was planning to continue to practice law anyway? And we wonder why the mortgage crisis and scams continue...

Foreclosure King David Stern Shuttering His Law Firm
http://www.motherjones.com/2011/03/foreclosure-david-stern-shudders-law-firm-florida
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Are you a mortgage robber? An accomplice by turning your head and looking the other way? What are you going to do when they come for you? Read what happens when the Florida Attorney General decided enough was enough. Even Freddie and Fannie had to duck and run on this one. America, it is time for you to say enough. We need some superheroes working in the mortgage industry to find a whistle and start blowing for all you are worth. Come on, Folks. Enough is enough.

Florida AG Unveils Foreclosure Mills Probe
https://www.motherjones.com/crime-justice/2010/08/florida-ag-probing-foreclosure-mills/
Another article on Stern and other Florida law firms being investigated for fraud. This article quotes Stern speaking at an investor presentation, "When people say, 'Oh, my ***, the economy is bad,' I'm like, 'Oh, my ***, it's great.' I hate to hear people are losing homes, and credit isn't available, and people's credit is such that they can't [refinance]. But if you are in our niche, it's what we want to do, and it's what we want to see." According to this article, some of the suits that have been filed against Stern includes blithely foreclosing on homeowners who'd never defaulted, gouging homeowners who were trying to get out of default, and even sexual harassment. This article also mentions an investigation into an offshore paper mill on the other side of the world that churns out legal documents. What does this mean? It means,  Because many mortgages have been bought and sold by different institutions multiple times, key paperwork involved in the process to obtain foreclosure judgments is often missing. On numerous occasions, allegedly fabricated documents have been presented to the courts in foreclosure actions to obtain final judgments against homeowners. Thousands of final judgments of foreclosure against Florida homeowners may have been the result of the allegedly improper actions of the law firms under investigation. Have you had enough yet? Get involved.

Foreclosure firms facing action from the Florida Bar
http://www.jacksonville.com/article/20101115/NEWS/801241293
Florida bar investigates 32 lawyers for potential foreclosure fraud. According to this article, Circuit Judge Jean Johnson threw out one case after ruling that lawyers representing JP Morgan CHASE used bogus documentation to try to seize a Jacksonville house. According to the article, the "we made a mistake argument" is not an all purpose excuse for this Judge. She points out a sometimes forgotten code that every lawyer has a personal duty to make sure their work meets professional standards. She recognizes there is a difference between sloppiness and dishonesty, but said the argument for fraud grows when 'documents have actually been created to prove a fact that is not in existence'." Way to go, Judge Johnson! Where are the rest of the honorable judges in America? Are you out there? Stand up. Do your job. Fight for those who you serve. Help us end this holocaust before it happens to you.

How an $83 fountain pen helped save a family home from foreclosure
http://www.floridaforeclosurefraud.com/2011/03/how-this-83-fountain-pen-helped-save-a-family-home-from-foreclosure/
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A story of how the stroke of a pen saved a home. There are two lessons this author wants you to learn: If you suspect or know there is fraud,  first, don't roll over. If you look carefully, and know what to look for, you just might find something terribly wrong with your own foreclosure case. Second, if you find something worth fighting about, dig in and do it. A home is something worth fighting for. Let's fight all the way for our homes. Victims, please look at your documents like this author challenges you to. We did and we have our own fountain pens now. CHASE, PHH, HSBC, WELLS FARGO, no more excuses...do the right thing. We will not bow or bend. We will fight all the way for our home.

Whistleblower facing foreclosure wins $18 million
http://www.cbsnews.com/news/whistleblower-facing-foreclosure-wins-18-million/
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No more excuses, Banksters. Do the right thing. America is coming for you!!



It is happening in Georgia


473,000      
Homes Foreclosed
Since 2007


       Stats per CoreLogic

CHASE tries to evict 103-year-old Georgian woman and her 83-year-old daughter from their house of over 50 years in winter. Police and movers stand up against the mortgage company and refuse to evict her.
http://abcnews.go.com/blogs/headlines/2011/11/police-movers-refuse-to-evict-103-year-old-woman/
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http://thinkprogress.org/special/2011/12/01/379276/bank-backs-off-eviction-of-103-woman/?mobile=nc
At least in Georgia, people still have hearts...

Homeowners, advocates want bank reps jailed for foreclosure fraud
http://www.cbsatlanta.com/story/19465592/homeowners-advocates-want-bank-reps-jailed-for-foreclosure-fraud  
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Homeowners and anti-foreclosure advocates are calling for bank officials and foreclosure attorneys to be criminally investigated and jailed for using fraudulent documents to force families from their homes. John O'Brien, Register of Deeds...has uncovered 38,000 fraudulent documents that have been recorded in his office. O'Brien said an outside audit revealed only 16% of the assignments in his registry are legitimate. "Totally fraudulent. The signatures are fraudulent and the information in some of the documents are fraudulent and they knew this. The banks knew this and the attorneys who processed this know it...I really believe [the banks are] a criminal enterprise. I truly believe this...They know what they're doing. They sit there and say they are too big to fall, but they're not too big to go to jail.
Great article. Thank you, John O'Brien for your honesty and willingness to stand up to the banks. We need more men and women like you who are willing to do the right thing. Are you a Register of Deeds? Will you help stop mortgage abuse? Be a superhero like John O'Brien. Help fellow Americans fight for their homes.

Note: CBS News did a special report which included John O'Brien as a guest. Do you want to know what 38,000 fraudulent documents and organized, organized crime looks like? Click here.



It is happening in Hawaii

11,000
                       Homes Foreclosed
                                                    Since 2007                 

                                   Stats per CoreLogic

And articles to tell the Hawaii story are coming soon...




It is happening in Idaho


48,000     
Homes Foreclosed    
Since 2007    



                                  Stats per CoreLogic

Idaho Government Corruption?
http://www.ini-world-report.org/2015/02/20/idaho-government-corruption/
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The US-Observer has begun an investigation into the dealings between the Idaho Department of Finance (IDF) and Value Recovery Group, L.P., which, according to one legal source, blatantly committed a felony in the summer of 2014 and then was given a "pass" by the IDF. So far there have been no consequences for Value Recovery Group because IDF failed to investigate. This accusation alone creates "red flags" concerning integrity in the upper echelons of Idaho government!...What is beginning to appear at first blush, is the operation of a Corporateocracy (or corporate run government) destroying individuals financially; and there is no accountability, even from the 'watchdog' agencies charged with that responsibility. In fact, if what allegedly happened last summer was a felony by Value Recovery Group, L.P., and it was swept under the proverbial "rug," then, this is strong evidence that the corporate entities are being given immunity as they are destroying the citizens of Idaho with impunity.

United States Senator Mike Crapo, United States Senator James Risch, United States Representative Mike Simpson, and United States Representative Raul Labrador, this is happening under your watch.

This entire ordeal is truly inconceivable by any rational, sane, or even remotely normal human being. How can companies conspire together to refuse payments, destroy perfect credit to prevent a homeowner from accessing other equity so they can protect their interests, fraudulently create records to support their lies and deception, and treat their customers or alleged customers so outrageously wrong? Is there hidden gold or oil on this property? What gives? How does your mind wrap around all this? It is crazy behavior and conduct by any standard. It is irrational, inconceivable and outrageous. Someone needs to be held accountable. Someone needs to go to jail. The Nickersons need to be reimbursed for all that has been stolen, and justice needs to be served. May God render to every man according to his deeds.
 
                                                              Nickerson's Amended Answer and Counterclaim (Idaho), pg. 165

Finding no relief through judicial intervention has added to our victimization and left us feeling helpless, hopeless, vulnerable and exposed. For us, this is a fight to save our lives from people who have access and knowledge of the facts, but have intentionally disregarded, struck and concealed those facts, knowing they were and are directly and indirectly causing loss, damages, injuries, severe pain and extreme suffering, and yet intentionally, and with total indifference to the consequences, proceeding forward with this wrongful and fraudulent foreclosure despite its impact on our family now and for the rest of our lives. We cannot even offer these reprobates the grace of our Lord Jesus Christ in praying “Father, forgive them for they know not what they do.” For they do know. And yet, they are still doing it. So instead, we pray, “Let destruction come upon them unawares, let the net they have hid catch them, and let them fall into that very destruction.” And, may God, with or without the help of this Court, redeem and restore to the Nickersons the years that the swarming locusts have eaten.
                                                                Nickerson's Amended Answer and Counterclaim (Idaho), pg. 216

Our View: Corruption Stinks, and Idaho Needs a Bath
http://magicvalley.com/news/opinion/editorial/our-view-corruption-stinks-and-idaho-needs-a-bath/article_9cdda194-64ea-5966-a5bc-b0844c9d55fd.html
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The state notably got an "F" for executive-level and legislative accountability. The few regulations governing conflicts of interest in the Governor's Office are ineffective, researchers found. And Idaho is one of three states in which lawmakers don't have to disclose their finances. It's a structure designed to protect backroom dealing. Only a lawmaker's conscience stands between transparent governance and outright, self-interested, malfeasance.

Jeff Sessions nails big mortgage company for $75M over false claims
http://dennismichaellynch.com/jeff-sessions-nails-big-mortgage-company-75m-false-claims/
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We have been fighting to keep our faith in the law for years, but it has felt like misplaced faith during our journey through the Idaho injustice system and the Montana see-no-evil system. We are very thankful to see Jeff Sessions and the Department of Justice getting involved with PHH. We are fighting 5 banksters (PHH Mortgage, JP Morgan Chase, HSBC, Wells Fargo, Coldwell Banker) because they have played hot potato with our loans. HSBC is foreclosing on our Montana Ranch and PHH is foreclosing on our Idaho Ranch. Neither have beneficial interests in the properties. State and federal crimes have been committed. These criminals need to go to jail for what they have done to our family.

OPEN LETTER TO ATTORNEY GENERAL JEFF SESSIONS

Mr. Sessions, thank you for doing your part to help make America great again. Can you please take a look and see if there is anything you can do to save our home and ranches? The truth, law, and justice are 100% on our side. We committed no act or inaction to cause, warrant or justify these attacks on our property and entire financial portfolio. Everyone else is apparently too afraid to stand up and do the right thing. Please help us if you can.

Because it happened to us,
The Nick and Donna Nickerson Family

Idaho's Attorney General gets involved and helps hold banks responsible for what they did to Idaho homeowners. Second largest settlement in Idaho history: Biggest banks to pay Idaho borrowers $100 million.
http://www.ag.idaho.gov/media/newsReleases/2012/nr_02092012.html
When reading this article, please note the amount actually being paid to Idaho homeowners. Make sure you get out your calculator and review the dispersion of the funds before you accept this as a victory for homeowners who have lost their homes.



It is happening in Illinois


     267,000
        Homes Foreclosed
      Since 2007



                                              Stats per CoreLogic

Illinois fines PHH for foreclosure incompetence
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http://articles.chicagotribune.com/2011-06-22/business/ct-biz-0623-robo-signing-20110622_1_foreclosure-procedures-phh-mortgage-faulty-foreclosure
Department of Financial and Professional Regulation finds evidence of 'negligence or incompetence' by New Jersey-based PHH Mortgage - The state also found that 16 of the 19 cases contained prove-up affidavits, used to verify the amount owed by the borrower, that contained the same PHH employee's name in "no less than five distinctly different signatures, leading the department to conclude that at least four affiants used a person's name other than their own to sign the affidavits." "We're not at the point of calling it forgery, because forgery is a crime, and we're not a law enforcement agency," Brent Adams, head of the state agency, said Wednesday. "We do allege that there was something illegal here. It is not a safe and sound mortgage practice for different people to be signing someone's name in an prove-up" affidavit.

Illinois sheriff may halt evictions
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http://money.cnn.com/2010/10/19/real_estate/Cook_County_Foreclosure/index.htm
Tom Dart, the sheriff of Cook County, Illinois says he will stop evicting residents from foreclosed properties unless he is assured the foreclosures are legitimate. Thank you, Tom Dart, for helping homeowners fight for their homes. When this holocaust is over, you will be remembered as a law enforcement official who got involved and stood for justice. Great job!

Sheriff's Moratorium Stops Foreclosure Evictions By Three Wall Street Banks
http://chicagopressrelease.com/news/sheriffs-moratorium-stops-foreclosure-evictions-by-three-wall-street-banks
In this article, Cook County Sheriff Tom Dart is quoted as saying the moratorium is due to a lack of "assurance that we aren't evicting families based on fraudulent behavior by the banks." Apparently, this moratorium will impact about 1/3 of the eviction orders filed. Thank you, Sheriff Tom Dart. You made a difference for that one.




It is happening in Indiana


183,000
Homes Foreclosed
Since 2007



                                         Stats per CoreLogic

And articles to tell the Indiana story are coming soon...




It is happening in Iowa

46,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the Iowa story are coming soon...




It is happening in Kansas

45,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the Kansas story are coming soon...




It is happening in Kentucky

35,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the Kentucky story are coming soon...




It is happening in Louisiana


79,000
Homes Foreclosed
Since 2007



 Stats per CoreLogic

And articles to tell the Louisiana story are coming soon...





It is happening in Maine


  7,000
Homes Foreclosed
Since 2007


                                  Stats per CoreLogic

And articles to tell the Maine story are coming soon...




It is happening in Maryland

109,000
 
Homes Foreclosed
Since 2007
Stats per CoreLogic

And articles to tell the Maryland story are coming soon...




It is happening in Massachusetts

65,000
Homes Foreclosed
Since 2007

                                         Stats per CoreLogic

Justice Foreclosed
http://www.theatlantic.com/national/archive/2011/07/justice-foreclosed/242407/
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It is happening in Michigan

553,000
Homes Foreclosed
Since 2007



                                  Stats per CoreLogic

Kelly Parker Foreclosure: Single Mother With Cancer Fights Eviction
https://www.huffingtonpost.com/entry/kelly-parker-foreclosure-cancer-eviction_n_1882030.html
A single Detroit mother fighting cancer is also fighting to keep her home from foreclosure. In an act of desperation Kelly Parker, 37, has vandalized her own home with graffiti in order to discourage potential buyers. The graffiti includes phrases like "This is our home" and "We will not be moved."

Wayne Co. sheriff to stop sale of foreclosed homes http://www.mlive.com/news/index.ssf/2009/02/wayne_co_sheriff_to_stop_sale.html
Foreclosure sales through the Wayne County sheriff's office are being halted because the sheriff has stated, I cannot in clear conscience allow any more families to lose their homes to foreclosure sale until I am satisfied they have been afforded every option they are entitled to under the law to avoid foreclosure. Way to go, Sheriff Warren Evans, of Wayne County, Michigan. We pray every sheriff in every county across this nation will stand up next to you and defend the American homeowner from being victimized any further. Sheriff Evans, may God bless you for what you are doing, and may God bless the U.S.A. by protecting her rights through brave men like you.



It is happening in Minnesota


103,000      
Homes Foreclosed          
Since 2007         



                                  Stats per CoreLogic

CHASE Forecloses On Home Even After Woman Scrounges To Make Up Nearly $50,000 In Mortgage Payments
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https://thinkprogress.org/chase-forecloses-on-home-even-after-woman-scrounges-to-make-up-nearly-50-000-in-mortgage-payments-c6f9dabf8359

National Mortgage Settlement: Bank Forecloses Even As Carrie Haskamp Pursues Loan Modification
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http://www.huffingtonpost.com/2012/02/16/national-mortgage-settlement-foreclosure_n_1279535.html




It is happening in Mississippi


 20,000
Homes Foreclosed
Since 2007



                                  Stats per CoreLogic

And articles to tell the Mississippi story are coming soon...




It is happening in Missouri


170,000
Homes Foreclosed
Since 2007


                                  Stats per CoreLogic

Springfield's No One Leaves Coalition helps residents prevent foreclosure http://www.masslive.com/news/index.ssf/2010/12/springfield_no_one_leaves_coalition_
foreclosures.html

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Millions have been victimized during the Great Mortgage Holocaust. Some fought back. This is the story of a family that fought back and kept PHH Mortgage from evicting them two days before Christmas. No one leaves was their chant. No one leaves needs to be America's chant. No justice. No peace.



It is happening in Montana

12,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

Are REMIC Trusts Foreclosing Illegally In Montana? Something Smells Rotten In "Big Sky" Country!
http://bpinvestigativeagency.com/are-remic-trusts-foreclosing-illegally-in-montana-something-smells-rotten-in-big-sky-country
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The answer is an emphatic yes. Wells Fargo Bank N.A. assigned our property into a closed trust in 2010 and again in 2012. Both assignments are unlawful. The 2012 assignment assigns the mortgage without the note which makes it a nullity in Montana. Assigning the property into a closed trust destroys the REMIC status of the trust. No one can assign the same thing twice. HSBC was not registered with the State of Montana when they filed for foreclosure against our property. HSBC has never signed or verified the Complaint or any evidence in the Complaint. HSBC claimed we did not pay our March 1 payment as proof of default. We provided a payment receipt for our March 1 payment. HSBC never sent us a default letter or provided us with opportunity to cure. The Note provided to prove ownership shows the Note endorsed to Wells Fargo Bank, not HSBC. The list goes on. Judge Mike Menahan of the First District Court rubberstamped HSBC's Complaint and has ordered HSBC can foreclose on our ranch. We committed no act or inaction to cause, warrant or justify our home being taken from us. We are fighting back and will continue to fight back until our home is safe, our name is cleared, and these banksters are held comprehensively accountable for what they have done to us. We agree with this author that there is something very smelly going on in Big Sky Country. It is called corruption. Montanans need to get involved and find out why all their elected officials (in Montana and Washington D.C.) are doing nothing to stop it.

B. By law, HSBC does not have beneficial interest and cannot own or be granted the Nickersons property.

HSBC claims to own and have beneficial interest in the Nickersons’ note and mortgage based upon two assignments of record. However, as the Nickersons have demonstrated from the beginning and throughout these proceedings both assignments are illegal, invalid, void and fail to give HSBC standing to pursue this complaint.

1. The assignment dated April 10,2010, is invalid and void because, among other reasons:
a) Wells Fargo claimed it was still the owner and holder of the note and mortgage in May 2010.
b) HSBC did not notify the Nickersons they were their new creditor as required by federal law – 15 U.S.C. 1641(g).
c) Wells Fargo portrayed it was still the owner and holder of the note in the alleged notice letter of May 2012.
d) It was not accompanied by an affidavit as required by MCA § 31-2-210(3).
e)  It is a false record of the events it attests to have occurred and the recording of it constitutes a felony offense. Montana Penal Code, Part I, Title VII, Chapter 4, Section 232.
f) It was robo-signed by Jeff Stenman. See Nickersons’ Brief in Support of Summary Judgment.
g) It was fraudulently notarized. The document was executed on April 10, 2010, and notarized on April 12, 2010. A notary cannot witness a signature that occurred in the past. See Nickersons’ Brief in Support of Summary Judgment.

2. The assignment dated August 22, 2012, is invalid and void among other reasons because:
a) It is attempting to assign the same mortgage that was allegedly already assigned which constitutes a false record of assignment making the recording of it a felony offense. Montana Penal Code, Part I, Title VII, Chapter 4, Section 232.
b) HSBC did not notify the Nickersons they were allegedly their new creditor as required by federal law – 15 U.S.C. 1641(g).
c) It only assigns the mortgage which is a nullity according to Montana law. A mortgage is only a security and independent of the debt has no assignable quality. Therefore, an assignment of the mortgage alone is a nullity and confers no right whatever upon the assignee. First Nat'l Bank of Saco v. Vagg, 65 M 34, 212 P 509 (1922).
d) It was not accompanied by an affidavit as required by MCA § 31-2-210(3).
e) It was robo-signed by Carla Naughton. See Nickersons’ Brief in Support of Summary Judgment.
f) It violates the Montana Mortgage Act. MCA § 32-9-124. Prohibitions -- required disclosure. “(1) A mortgage broker, mortgage lender, mortgage servicer, or mortgage loan originator may not do any of the following: (b) directly or indirectly employ any scheme to defraud or mislead a borrower, a mortgage broker, a mortgage lender, a mortgage servicer, or any other person”. Recording this second assignment directly employs a scheme to defraud or mislead the Nickersons and the world at large.

In addition, HSBC has no rights to the Nickerson property because the foreign business trust it is the alleged trustee of is not registered with the Secretary of State to do business in Montana as required by MCA Title 35 Chapter 5 Business Trust. HSBC has not provided any laws, legal precedents, statutes, etc. to refute this fact. Rather, HSBC has meritoriously failed to meet the requirements established by Montana law to conduct business in Montana or own property in Montana – MCA § 35-5. HSBC's alleged trust is not registered to do business in Montana, and according to Montana law, any claims against the Nickersons or their property are void and HSBC cannot foreclose. Therefore, since the assignments are void the business trust is not registered in Montana, HSBC has no claim against the Nickersons or their property and HSBC’s complaint must be dismissed with prejudice. Further, this Court must, in the interest of justice, hold HSBC accountable for the fraud committed against this Court and their abuse of the Nickersons.
                                        Nickerson Reply Brief in Support of Motion for Stay Pending Appeal, pg. 3-5

Officials Cover Up Housing Bubble's Scummy Residue: Fraudulent Foreclosure Documents
https://theintercept.com/2015/09/14/officials-cover-housing-bubbles-scummy-residue-fraudulent-foreclosure-document/
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In two separate cases, activists have charged that officials and courts are hiding evidence of mortgage document irregularities that, if verified, could stop thousands of foreclosures in their tracks. Officials have delayed disclosure of this evidence, the activists believe, because it would be too messy, and it's easier to bottle up the evidence than deal with the repercussions. Bill Paatalo, a private investigator and one of the activists states, All they're doing is making a mockery of our judicial system...It appears the judges don't want to enforce the law.

We agree. Proof of fraudulent foreclosure documents are in District Court Judge Mike Menahan's chambers and in the chambers of the Montana Supreme Court, but summary judgment has still been granted against our property. Multiple violations exist. Attorney General Tim Fox and Governor Bullock know our story. Others do as well - Banking Commissioner, State Auditor, Consumer Protection, Secretary of State, all Montana (150) and United States (535) Legislators, Sheriff, many others. All know our story, but no one has stepped up to stop our victimization.

Everyone claims they are sorry this is happening to us, but tell us there is nothing they can do to help. Governor Bullock's office told us, No one in Montana is going to stand up to Wells Fargo. What we have been through is inconceivable! Truth, justice and the law are all on our side. We still have possession of our home and are fighting to keep it from being unlawfully seized. We have travelled to Washington D.C. to compel Washington D.C. to stand up to the banksters. We are looking for someone to stand in the gap and help us save our home. Please stand with us. Help us save our home and other Montana homes from wrongful foreclosure. America will never be great again unless all of us unite and stand against this corruption. Benjamin Franklin once said, We must all hang together or we will most assuredly hang separately.

Montana Couple Takes on Bank of America
https://www.counterpunch.org/2014/05/21/fraud-and-foreclosure/

Montana Supreme Court Case Helps Homeowner
https://www.mtlsa.org/2014/05/montana-supreme-court-case-helps-homeowners/

Judge Upholds $5 Million Punitive Against US Bank for Fraud
http://stopforeclosurefraud.com/2014/04/14/judge-upholds-5-million-punitive-against-us-bank-for-fraud/
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Mcculley proved the Bank's actual fraud by clear and convincing evidence. Further, US Bank "blatantly misrepresented an important fact" in one of its briefs with this court...and "This egregious behavior by the Bank constitutes intentional deceit and supports the conclusion that the Bank's conduct was reprehensible. Great job, Mcculley! Thank you, Judge Brown! We need more judges to stand up to the banksters like you just did.

Daines Joins Bipartisan Group of Senators Urging Trump Administration to Quickly Nominate Watchdogs
https://www.daines.senate.gov/news/press-releases/daines-joins-bipartisan-group-of-senators-urging-trump-administration-to-quickly-nominate-watchdogs
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For those of us who were victimized under the corruption free fall during the Obama administration, this letter to Donald Trump by twelve United States Senators provides answers to many questions of why the system procedurally failed to protect us. Oversight is a key component in ensuring equal access to justice for all. Failing to establish accountability systematically removes checks and balances and nullifies protection under the law.

We are thankful Senator Steve Daines signed this letter and is presenting he is against corruption. However, Senator Steve Daines knows our entire story, has for a long time, and has not acted to stop the fraud victimizing us.

OPEN LETTER TO SENATOR DAINES

Senator Steve Daines, use the platform you have been given and wield the authority vested in you justly and righteously. Years ago you asked our family to pray for you to have wisdom and boldness with tact. We have faithfully prayed for you and your family for years. Our family needs you to do your job and make sure the laws in place to save our home are upheld and enforced and that the proper government oversight is in place to protect Montanans and all Americans. Please remember why you went to Washington D.C. Please stand in the gap for truth, justice, and the American way. Please...do the right thing.

Because God has placed you in Washington D.C. for such a time as this,
The Nick and Donna Nickerson Family

Tester to Wells Fargo: Reverse Course and Put Your Money Where Your Mouth Is
hthttps://www.tester.senate.gov/?p=press_release&id=5573
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Jon Tester is quoted in this articles as stating, Wells Fargo must be held fully accountable for their actions, I take Mr. Sloan at his word and Wells Fargo must reverse its course, stop denying folks the ability to seek justice, and drop their forced arbitration clauses in all class action lawsuits going forward in cases of fraudulent accounts.”

Wells Fargo has deceptively sued for foreclosure of our Montana Ranch under the name of HSBC Bank to avoid their agreements under the 2012 National Settlement Agreement. Wells Fargo unlawfully entered our loan into a closed Trust twice, prevented our performance, refused to provide our records and account notations, refused to allow bank employees to testify, refused to answer our Qualified Written Requests, refused to answer our subpoenas, and averted justice by using these and other abusive and bullying tactics. We are American citizens and Montana farmers and ranchers. We were born in America, our parents were born in America, and our grandparents were born in America. Our United States and Montana Constitutions grant us property rights. Our property rights are being stripped from us in violation of federal and Montana laws without cause or right and without due process. Senator Jon Tester and his staff know our entire story. The question Montanans need answered is whether or not Jon Tester is actually going to stand up to Wells Fargo and Mr. Sloan and hold them accountable to the law or was this just good publicity talking. We have travelled to Washington D.C. to ask Senator Jon Tester, Senator Steve Daines, and Representative Greg Gianforte to act on our behalf. This is not a partisan issue. This is an American issue. All Montanans need to watch to see what he, Senator Steve Daines and Representative Greg Gianforte do to help us. Having representation in Washington D.C. means having someone in D.C. that will actually be there for us, all Montanans, when representation is needed. In our case, laws have been broken, regulatory oversight has been thwarted, and the judicial system has systematically failed. Banksters are doing whatever they want in Montana and our state officials and authorities will not stand up to them. We have been told if the banks want a Montana property, they are just going to get it. Pray for these men to do the right thing and stand up for what is right or for God to remove them. It is time for Montana and all Americans to have true representation at our Capitol.

Deitrich Bonhoeffer once said, Silence in the face of evil is itself evil: God will not hold us guiltless. Not to speak is to speak. Not to not act is to act.

Please stand up before history repeats itself...in America.

Tester, Fox Defend More Than 367,000 Montanans Impacted by Equifax Data Breach
https://www.tester.senate.gov/?p=press_release&id=5552
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Senator Jon Tester said, “We need to hold Equifax accountable for this data breach and find out just what they knew and when-if needed, heads should roll…”
Attorney General Tim Fox said what “they [Equifax] did is inexcusable.”

OPEN CALL TO ACTION TO JON TESTER AND TIM FOX

Both of you and your staffs know that Wells Fargo, HSBC and their accomplices are stealing our home without cause or right. You are aware these banksters have broken federal and Montana laws and that we have been victimized by fraud, regulatory failure and judicial tyranny. What are you doing about it?  Why aren’t you calling for their CEOs to answer for their actions?  Why aren’t their heads rolling? No more excuses. Do the right thing.

OPEN CALL TO ACTION TO ALL MONTANANS

We have been told no one in Montana is willing to stand up to Wells Fargo or the other national banks. We have personally visited with both these men and their staffs. They know our story. Sadly, they have done nothing to stop the abuse we are facing. Please call and email their offices and compel them to act. Please get involved and help us ensure the laws in place to protect all Montanans are enforced and upheld. We have committed no action or inaction to give cause or right for our home to be taken from us. If they can take our home from us in Montana, they can take yours from you in Montana…with Senator Jon Tester, Attorney General Tim Fox and all the other Montana authorities and officials watching and doing nothing to stop them.

Montanans share in mortgage fraud settlement

hthttp://billingsgazette.com/news/local/montanans-share-in-mortgage-fraud-settlement/article_92c62916-3a2b-5c6f-bddb-1072368e6642.html
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Governor Bullock knows our story, but he and his administration have been unwilling to stop the abuse being perpetrated against us. His office communicated no one in Montana is willing to stand up to Wells Fargo. Governor Bullock was Attorney General of Montana when this settlement was agreed to in 2012.

Excerpt from Nickerson Response in Opposition to Motion to Quash, pg. 7:

On February 9, 2012, the Montana Attorney General's Office joined a landmark agreement with the nation's five largest mortgage servicers that provides help for struggling homeowners and requires national standards to protect consumers from the  abuses of these five large banks. The settlement stems from a national investigation of the five biggest banks and the discovery that these institutions routinely violated state and federal laws by signing foreclosure documents outside the presence of a notary public - a practice commonly called "robo-signing" - and without knowing if the facts contained in the documents were even correct.
Keep My Montana Home - Montana Department of Justice - https://dojmt.gov/consumer/foreclosure/

Servicing reforms are a requirement of the settlement agreement and are intended to implement real reforms in the mortgage servicing industry to end sloppy and fraudulent business practices...and provide new standards for communicating with borrowers and other loss mitigation activities. Center for Responsible Lending - Summary of National Mortgage Settlement 3-12-12.pdf
§ I. Servicing Reforms. One of the key servicing provisions that has been violated in this case is:

        Single Point of Contact (SPOC): Bank/servicer to establish a SPOC for
        communicating with the borrower
. The SPOC will be expected to explain available
        options
to borrowers, coordinate documents, inform borrower of status, ensure
        borrower is considered for all options and have access to those with ability to stop
        foreclosure proceedings). Id.

It is time for Montanans to put the Bullock on the altar of accountability to find out why he entered into this agreement if he did not intend to ensure it was upheld.

Six Helena Women File federal court lawsuit against Wells Fargo
hthttp://billingsgazette.com/news/state-and-regional/montana/six-helena-women-file-federal-court-lawsuit-against-wells-fargo/article_9a231ccc-7ca7-11de-be1f-001cc4
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The Wells Fargo bogus account scandal that has rocked the nation and banking industry was reported by six employees in Helena, Montana. The women who called the ethics line and questioned orders were fired. Our loan on the Montana ranch originated at the Wells Fargo Helena Branch. Thought we would let you read the story for yourself….

Former Loan Officer Convicted of Fraud and Identity Theft Related to Mortgage Fraud Scheme
https://archives.fbi.gov/archives/lasvegas/press-releases/2013/former-loan-officer-convicted-of-fraud-and-identity-theft-related-to-mortgage-fraud-scheme
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Former Loan Officer Sentenced to 11 Years in Prison in Mortgage Fraud Scheme
https://archives.fbi.gov/archives/lasvagas/press-releases/2013/former-loan-officer-sentenced-to-11-years-in-prison-in-mortgage-fraud-scheme
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When you are a victim, promises of what is going to be done makes you question what has been done. What happened in the 2,900 mortgage fraud cases investigated by Obama’s Task Force? Did any actually result in charges being filed? Have those been overturned? Were there any fines levied? Were the fines legitimately calculated or grotesquely reduced? In the scope of reality, which is where true victims are forced to live, did anything happen to these criminals or are these taskforce promises nothing more than media promotions to make all of us believe someone has our back?

FRAUD WARNING:
Mortgage Fraud Scammers, don’t steal. The bank hates competition and the watchdogs like to bite the little guys.




It is happening in Nebraska

23,000
Homes Foreclosed
Since 2007
                                  Stats per CoreLogic

Disabled 86 year old woman being evicted from her home of 50 years
hthttp://occupyourhomes.org/blog/2014/feb/20/action-against-wells-fargo-supporting-grandmother/
https://start2.occupyourhomes.org/petitions/wells-fargo-stop-the-sheriff-sale-and-keep-my-86-year-old-mother-in-her-home?source=ooh_blog_story



It is happening in Nevada


219,000
Homes Foreclosed
Since 2007



                                        Stats per CoreLogic

CHASE fraudulently forecloses on family homestead http://www.ktnv.com/news/local/138815174.html

Disabled Senior Citizen to CHASE: What happened to our promised loan modification? http://www.givemebackmycredit.com/blog/2010/10/disabled-senior-citizen-to-chase-what-happened-to-our-promised-loan-modification.html
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It is happening in New Hampshire

26,000    
Homes Foreclosed     
Since 2007    

                                  Stats per CoreLogic

And articles to tell the New Hampshire story are coming soon...




It is happening in New Jersey

    85,000
    Homes Foreclosed
     Since 2007

                                  Stats per CoreLogic

Couple Heads Off Foreclosure By Fighting Back
https://www.aol.com/article/2011/04/12/couple-heads-off-foreclosure-by-fighting-back/19906309/
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A New Jersey couple fought their foreclosure and ended up being able to keep their home. Way to go Elghossain Family. Thanks for setting a precedent for New Jersey homeowners. A piece of the story and his advice: When I got the foreclosure complaint I found out the people suing me was not the people I had been paying. Now I had issues with am I paying the right party, and paying the right bank. So naturally I didn't continue payments even though I could've made the payment...Homeowners in New Jersey don't contest their foreclosures, and they should. With all the forgery and fraud, people should contest their foreclosures.

Attorney General Porrino Announces $45 Million Multi State Settlement with PHH Mortgage Corporation
http://www.nj.gov/oag/newsreleases18/pr20180103b.html
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If a tire shop knowingly sold bad tires, it would face severe liability and be closed down. If a restaurant knowingly fed bad food, it would be prosecuted and closed down by the Health Department. But a bank can steal your home and all the money you have given them by paying a little fine and stay open. How much does PHH make annually? Americans need to realize these banksters consider these fines the cost of doing business…successfully. When is someone going to punish the banks? When is a superhero going to step forward to truly help the homeowners? It is time.

Mt. Laurel mortgage firm pays $45M to settle complaints
https://www.courierpostonline.com/story/news/local
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We have made and will continue to make the necessary enhancements in our operations to ensure we remain compliant and continue to serve our customers in a fair and appropriate manner... PHH Mortgage

PHH took over our Idaho loan in February 2010. We were current with our loan. PHH claimed an astronomical default amount and began foreclosure proceedings though no default existed. They refused to provide any proof of default or work with us in any way whatsoever. PHH tried to do a non-judicial foreclosure even though our property was secured with a mortgage and did not qualify for a non-judicial foreclosure due to governing laws regarding the size of the property. They created a fraudulent assignment from JP Morgan Chase to PHH to execute the non-judicial. We hired an attorney to stop the non-judicial. They then filed for a judicial foreclosure. Our attorney added JP Morgan Chase to the litigation. PHH was relentless in attacking us and our entire financial portfolio. They contacted other creditors to falsely claim we had abandoned the property, were refusing to fulfill our obligations, to inform them we were great credit risks, etc.  The District Court awarded summary judgment to Chase because the Court determined Chase had never owned the property and was only a Servicer so any of our claims against them had to be dismissed. The same judge then granted PHH standing based on the fact Chase owned the property and had assigned it to PHH. There is a lot more to our story which you can read on this website. It suffices to say that as of February 2018, PHH is still defrauding us. Nothing has changed. They have not served us in a fair and appropriate manner. They are foreclosing on a ranch they do not own, when we did not default, and they have no rights to take action.

As far as this settlement, $840 is being paid to these poor homeowners. When was the last time you had the opportunity to purchase a home for $840. There are very few places you can even rent for $840 a month! So to set the record straight…PHH steals your home and all the equity you have in it, gives you $840 to make up for it, and you are supposed to believe your Attorney General is working for you and taking care of you. Are we the only people in America that can do the math and think on our own? Wake up, America! Our land is being sold out from under us one foreclosure and one settlement agreement at a time.



It is happening in New Mexico


24,000
Homes Foreclosed
Since 2007


                                  Stats per CoreLogic

And articles to tell the New Mexico story are coming soon...



It is happening in New York

98,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

Scams Push Foreclosure Fraud to Limit, Taking Victims' Home
https://www.usnews.com/news/best-states/new-york/articles/2017-04-22/scams-push-foreclosure-fraud-to-limit-taking-victims-homes
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Enough is enough. The justice train is coming in. Americans, get on board! If we all stand together, we can make America great again. If we do not stand together, America will fall. United we stand. Divided we fall. Choosing to do nothing is choosing to do something. Choose wisely.

New York & Florida Court awarded property deed to homeowner free and clear after PHH could not find deed
https://www.thestreet.com/story/12804579/1/new-way-fight-foreclosures.html

Business Insider Solicits, Then Refuses to Publish, Story on Suspicious Foreclosure-Related Death of Sunny Sheu 
http://www.nakedcapitalism.com/2012/09/business-insider-solicits-then-refuses-to-publish-story-on-suspicious-foreclosure-related-death-of-sunny-sheu.html
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Mortgage fraud abuse is lethal. This is a story about a homeowner who started an investigation on a judge in New York. He was allegedly killed because of his investigation.
  
Will Galison and Milton Allimadi: The Death of Sunny Sheu http://www.nakedcapitalism.com/2012/09/will-galison-and-milton-allimadi-the-death-of-sunny-sheu.html
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The complete story of Sunny Sheu, a man who lived and died trying to save his home. The right to own property is dying in our streets...literally. If we do not do something, there will be nothing left to do anything about.

JPMorgan CHASE Lawsuit: New York Attorney General's Suit Is First For Task Force
http://www.huffingtonpost.com/2012/10/01/jpmorgan-chase-lawsuit-new-york-ag-white-house_n_1930678.html
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New York Attorney General Eric Schneiderman sues JPMorgan Chase for their handling of mortgages. This article deals with the strength of mortgage bonds sold to investors. Attorney Generals across America need to start protecting their borders and their citizens from fraud, abuse, unlawful seizure, and property identity theft. Stand up and be counted worthy of the position and authority you hold.

The Man the Banks Fear Most
http://prospect.org/article/man-banks-fear-most 
Wall Street has gone largely unpunished for its role in wrecking the economy — until New York Attorney General Eric Schneiderman came along. We need Attorney Generals across America to stand up and do what is right for the citizens of their states. No more politics. No more buyouts. Do your jobs and help get the corruption under control.

The walls of Wall Street need to come tumbling down. Christians, pray! This is a fight that can be won through faith and prayer. The faithful prayers of a righteous man can and will make a difference..even on Wall Street.

New York State Department of Financial Services Fines PHH Mortgage $119,000 for Violation of New York Vacant and Abandoned Property Law
http://www.cullenanddykman.com/news-advisories-180.html
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Excellent strategy, New York! American communities need to uphold laws such as this to combat the mortgage fraud crisis. The banksters received hundreds of millions to help homeowners stay in their homes and protect the housing market. Where are all the helped homeowners and how is it working out for foreclosed communities across our nation? Our situation was not a money issue. Our family did not need, want, or ask for a loan modification. We had the money. We just needed Wells Fargo to accept our payments. We repeatedly told Wells Fargo, This is our home. We want to keep it. We have and have always had the financial wherewithal to keep it. We will fight to keep it. Wells Fargo refused our payments and prevented our performance. Prevention of performance excuses the debtor. If State Departments across America would enforce the laws in place to regulate the banking industry, the mortgage crisis would be over. Banks follow the money.



It is happening in North Carolina

231,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

Stamped Endorsement Failed to Establish Holder Status
http://www.msfraud.org/Stamped-Endorsement-is-Facially-Invalid_1-13.html
North Carolina is standing up to mortgage fraud. In a North Carolina case where a stamped endorsement was on the note instead of an original signature, the Court held that the stamped endorsement failed to establish holder status.



It is happening in North Dakota

4,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the North Dakota story are coming soon...




It is happening in Ohio


326,000
Homes Foreclosed
Since 2007



                                  Stats per CoreLogic

In the Wake of Enforcement Actions Against Mortgage Servicers, Brown Introduces Bill to Keep Ohioans in Their Homes; Stem Foreclosure Crisis
https://www.brown.senate.gov/newsroom/press/release/in-the-wake-of-enforcement-actions-against-mortgage-servicers-brown-introduces-bill-to-keep-ohioans-in-their-homes-stem-foreclosure-crisis
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Standing Up for Ohio Homeowners
https://www.brown.senate.gov/newsroom/newsletters/standing-up-for-ohio-homeowners-
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With Thousands of Ohioans Affected by Errors in Their Credit Reports, Brown Urges Feds to Take Action Against “Zombie Debts” That are No Longer Owed But Linger on Credit Reports
https://www.brown.senate.gov/newsroom/press/release/with-thousands-of-ohioans-affected-by-errors-in-their-credit-reports-brown-urges-feds-to-take-action-against-zombie-debts-that-are-no-longer-owed-but-linger-on-credit-reports
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It is happening in Oklahoma

     94,000
Homes Foreclosed
Since 2007
                                  Stats per CoreLogic

And articles to tell the Oklahoma story are coming soon...




It is happening in Oregon

79,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the Oregon story are coming soon...




It is happening in Pennsylvania


162,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the Pennsylvania story are coming soon...




It is happening in Rhode Island

19,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the Rhode Island story are coming soon...




It is happening in South Carolina


110,000
Homes Foreclosed
Since 2007


                                  Stats per CoreLogic

And articles to tell the South Carolina story are coming soon...




It is happening in South Dakota


Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the South Dakota story are coming soon...




It is happening in Tennessee

210,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the Tennessee story are coming soon...




It is happening in Texas


529,000
Homes Foreclosed
Since 2007



                                  Stats per CoreLogic

Harry Engel's Death Caused By JPMorgan CHASE Foreclosure/'JPMorgan CHASE killed my husband!' Texas woman sues after 'foreclosure caused his heart attack'  http://www.huffingtonpost.com/2012/07/06/harry-engel-death-jpmorgan-chase_n_1651715.html
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http://www.dailymail.co.uk/news/article-2170041/Texas-woman-sues-JPMorgan-Chase-claiming-foreclosure-gave-husband-Harry-Engel-fatal-heart-attack.html

Jury awards $5.4 million to couple after finding fraud in foreclosure case
http://www.houstonchronicle.com/business/article/Jury-awards-5-4-million-to-couple-after-finding-6687502.php
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Harris County, Texas is where one of our fraudulent assignments took place. Thank you for standing up to the banks, Texas Jury. If only more people would follow your example...

This homeowner got the opportunity to go to trial and they won. Few homeowners get this opportunity. The right to a defense and due process is denied by summary judgment. That is what happened in both of our cases.

Houston couple wins $5.4 million in foreclosure fraud suit against Wells Fargo
http://www.housingwire.com/articles/print/35811-houston-couple-wins-54-million-in-foreclosure-fraud-suit-against-wells-fargo
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It is happening in Utah


59,000

Homes Foreclosed
Since 2007


                                  Stats per CoreLogic

And articles to tell the Utah story are coming soon...




It is happening in Vermont


Homes Foreclosed
Since 2007


                                  Stats per CoreLogic

And articles to tell the Vermont story are coming soon...




It is happening in Virginia

163,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

Homeless Military Widow: "My Heart Is Sad for My Teenager" http://www.huffingtonpost.com/jonathan-handel/military-widow_b_1089789.html
View article as PDFView as PDF




It is happening in Washington

   155,000

   Homes Foreclosed
   Since 2007

                                  Stats per CoreLogic

Mortgage abuse settlement will direct $750 million to Northwest homeowners
http://www.spokesman.com/stories/2012/feb/09/states-feds-announce-mortgage-settlement/
View article as PDFView as PDF




It is happening in West Virginia

8,000
Homes Foreclosed
Since 2007

                                  Stats per CoreLogic

And articles to tell the West Virginia story are coming soon...




It is happening in Wisconsin


89,000
Homes Foreclosed
Since 2007



                                  Stats per CoreLogic

And articles to tell the Wisconsin story are coming soon...




It is happening in Wyoming

7,000
Homes Foreclosed
Since 2007


                                  Stats per CoreLogic

And articles to tell the Wyoming story are coming soon...




It is happening to Churches, Synagogues, and Houses of Worship
The Lord giveth, and the bank taketh away...

OPEN LETTER TO THOSE WHO HAVE ROBBED, KILLED, DESTROYED, AND CLOSED PLACES OF WORSHIP

Behold the Lord; for He cometh to judge the earth: with righteousness shall He judge the world, and the people with equity.
Psalms 98:9

If thou seest the oppression of the poor and violent perverting of judgment and justice in a province, marvel not at the matter: for He that is higher than the highest regardeth; and there be higher than they.
Ecclesiastes 5:8

For evildoers shall be cut off: but those that wait upon the Lord, they shall inherit the earth. Psalms 37:9

Know ye that the Church Foreclosures - These Days, Even God Can't Get a Loan: Church Foreclosures Skyrocket

https://www.aol.com/article/2012/03/13/these-days-even-god-cant-get-a-loan-church-foreclosures-skyro/20192186/
The Bible tells us that "it is easier for a camel to go through the eye of a needle, than for a rich man to enter the kingdom of God." Foreclosing on his pastor probably doesn't make the trick any easier.

No One is Exempt from the Foreclosure Wave Sweeping our Country http://defendyourhomefightforeclosure.wordpress.com/2012/03/23/no-one-is-exempt-from-the-foreclosure-wave-sweeping-our-country/
Even churches and nonprofits cannot claim exemption on this one.

Churches Find End Is Nigh. The Number of Religious Facilities Unable to Pay Their Mortgage Is Surging.
https://www.wsj.com/articles/SB10001424052748704115404576096151214141820
Expect the foreclosure crisis to get worse before it gets better, even with churches. (Wall Street Journal)

Banks foreclosing on churches in record numbers
http://www.reuters.com/article/us-usa-housing-churches-idUSBRE82803120120309
This article provides church foreclosure statistics. Churches were once able to depend on banks working with them to prevent foreclosure, but that is no longer true for the more than 300,000 churches in the United States. No one, not even churches, is exempt from this crisis.



Contact Information for Attorney Generals

Offices of the United States Attorneys  
https://www.justice.gov/usao/us-attorneys-listing
This link goes to a page that has contact info for all the U.S. Attorney offices in the country. Send them your cases. We need to find attorneys and public officials who still believe in We The People. We need men and women who are willing to investigate these companies. We need men and women who will fight against the wrong and stand for what is right. Help us find the good guys who are willing to be the superheroes of our day.

National Association of Attorney Generals 
http://www.naag.org/current-attorneys-general.php
This site has the contact info for all attorney generals in the 50 States, D.C., and some of the Territories. Write letters to them. Ask for their help. Whether or not your home is in foreclosure, please get involved. This massacre of the American homeowner affects all of us and will for generations to come. Join the fight before it is too late.


Action Needed

Americans, step up to the plate, get involved and fight before it is too late. The time to act is now if we are to save the American homeowner from extinction. Do you realize homeowners are rapidly becoming the most endangered species in the United States of America? Open your eyes. Get your heads out of the sand. Look at the loss of home ownership statistics. Look at what is happening to your friends, family and coworkers. Once to every man and nation, comes the moment to decide...



Once To Every Man And Nation
by James Russell Lowell

Once to every man and nation, comes the moment to decide,
In the strife of truth with falsehood, for the good or evil side;
Some great cause, some great decision, offering each the bloom or blight,
And the choice goes by forever, 'twixt that darkness and that light.

Then to side with truth is noble, when we share her wretched crust,
Ere her cause bring fame and profit, and 'tis prosperous to be just;
Then it is the brave man chooses while the coward stands aside,
Till the multitude make virtue of the faith they had denied.

By the light of burning martyrs, Christ, Thy bleeding feet we track,
Toiling up new Calv'ries ever with the cross that turns not back;
New occasions teach new duties, time makes ancient good uncouth,
They must upward still and onward, who would keep abreast of truth.

Though the cause of evil prosper, yet the truth alone is strong;
Though her portion be the scaffold, and upon the throne be wrong;
Yet that scaffold sways the future, and behind the dim unknown,
Standeth God within the shadow, keeping watch above His own.



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