It Happened To Us. It Could Happen To You. The Nick and Donna Nickerson Family. www.ithappenedtous.com
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Because it happened to us

Help us expose fraud and corruption
I am only one; but still I am one. I cannot do everything, but I still can do something. I will not refuse to do the something I can do. Helen Keller

The Nick and Donna Nickerson Family - One family. Two ranches. Christians who devote their lives to loving and serving others. Stable, strong financial history. Perfect credit. High equity. Good income. Solid professional and personal reputations for the entire family. Hard workers. Law-abiding, English speaking, natural born American citizens.

The Banks – Convicted criminals who target the Nickerson Family for being Christians and refusing to quit going around the country praying for pastors and trying to stir revival. Greedy banksters who forge assignments, make false claims, commit fraud so they can steal the Nickerson ranches and entire financial portfolio.

Is this okay with you? What happens if the banks decide they do not like ball players, cowboys, fisherman, veterans, babies, or people who eat breakfast before 8 a.m.? Please, America. It is time to take a stand against fraud and corruption. We did nothing wrong. We committed no act or action to warrant or justify this attack. If it happened to us, it can happen to you. No one is immune from a bully or terrorist forever. He just keeps moving to the next victim. Will you be next? Think about it. We need your help.

Help us find information to save our Idaho Ranch.
Did you work for JP Morgan Chase, PHH Mortgage Services, Coldwell Banker, Wells Fargo, Genworth Financial Mortgage Insurance, or Fannie Mae, from 2008 to present? Do you remember talking to us and hearing our story? Did you hear other employees make threats or were you one of the ones who made the threats? Did you hear employees attack us for our Christian faith, threaten to throw us and our family out on the street because they hated people (Christians) like us? Were you party to conversations, research, and corrections regarding our account? Did you make account notations, research errors, find misapplied payments, find proof of dual tracking, mail us forced-placed insurance notifications, read account notations from other employees? Can you help us gain access to our records, taped conversations, or loan documentation? Some of you listened, heard and tried to help. Thank you. Some of you are the ones who abused us. We forgive you, but we need to talk to you. We need your help and America needs your help. No American family should have to go through what we have. Please come forward, tell the truth…help us and help others.

Help us find Kim at Chase.
Kim was an employee at JP Morgan Chase in 2009 and 2010. She is someone who tried to help and that we have feared for her health and well-being for years. If you know Kim, please give her our contact information and tell her we need to talk with her. She was the last person to work on our account. She accepted our January payment and then PHH Mortgage Services/JP Morgan Chase started foreclosure in February. Kim was very knowledgeable and upset about our situation and has firsthand knowledge of fraudulent activity going on with ours and other JP Morgan Chase accounts. Kim told our story to a lot of different employees and departments trying to straighten out JP Morgan Chase's accounting errors.
Kim, you know our whole story. When you disappeared and PHH Mortgage Services took over the loan, JP Morgan Chase denied your existence, would not help us, let us contact you, or provide us with any of your documentation. They have concealed and denied us access to all account records, notations, tape recordings. If you are reading this, please let us know you are okay and step forward and help us expose JP Morgan Chase’s abuse. Please help us fight for our home. We need you. You could really make a difference, not just for us, but for all Americans. This is our home. We want to keep it. We have and have always had the wherewithal to keep it. We are and will continue to fight to keep it. Kim, please contact us.

Did you work for First American Title, Northwest Trustee, Clearwater Land Title Company, Genworth Financial Mortgage Insurance, Stewart Lender Services, Peirson Patterson, LLP, Texas Secretary of State Notary Division, Louisiana Secretary of State Notary Division, LOGS, ProVest LLC?
Did you speak with us? Do you remember our story? Can you validate or invalidate any of the documentation associated with our property or provide any information about the companies or individuals who prepared or executed them? Did you participate in any inspections, reviews, service of process? If you did not work for these companies or entities, but know someone who did or does, please share our story with them. Are you a forensic expert, investigator, compliance officer, title expert, law enforcement agent, or other official? Can you review documents for us and let us know if you can provide corroboration, an expert opinion, an amicus brief, affidavit, anything to attest to their fraudulent creation or nature. Any help you can provide is appreciated.

Do you work with titles, loan processing, servicing, fraud, fiduciary or judiciary corruption?
If you have any information, investigation suggestions, legal strategies, knowledge to share, or contacts that might help us, please let us know. All truth, facts, and evidence are on our side, but we need help collecting and presenting the evidence to authorities who are willing to stand against the banksters and their mortgage robbing accomplices.

Are you one of the FBI agents on the Jacksonville team that was involved in uncovering banking industry fraud?
We know your investigation down in Florida was silenced, but the evidence and the facts you uncovered are still relevant and could save our country. Please give the American people a chance to see the truth so we can stand against the long train of abuses being committed by these banksters and their accomplices. We appreciate your service to our country and your exhaustive efforts in trying to prevent all the shame and suffering of the Great Mortgage Holocaust. Thank you. We get it. We know what you did and that you could have stopped this whole thing. Please try once more. A new investigation could turn everything around. Please stand up and expose the truth. Friends and family of former FBI agents, do you personally know any of the agents who left the agency because their investigation was silenced? Please reach out to them, encourage them to try one more time, and share our story with them.

Short history regarding the forged documents and the fraudulent claims surrounding them.
PHH filed a complaint for foreclosure against our property in January 2011. JP Morgan Chase Bank, N.A. was added as a party to the foreclosure action in January 2012. JP Morgan Chase Bank, N.A. claimed they had never owned our property, but were a servicer only. Because of their claim of no ownership, they were able to avoid answering discovery and Judge Michael Griffin of the Clearwater County District Court granted summary judgment to JP Morgan Chase Bank, N.A., in November 2012.

Contradictorily, PHH Mortgage Services claimed they had the right to foreclose because JP Morgan Chase Bank, N.A. (the infamous non-owners who just secured summary judgment) had transferred ownership to them in 2010 (PHH – See 2010 Assignment above). The same judge, Judge Michael Griffin, granted a 2014 summary judgment to PHH Mortgage Services based on PHH's claim they got our loan from JP Morgan Chase. Yes, Judge Michael Griffin accepted both claims as fact and granted summary judgment to both. The Idaho Supreme Court procedurally affirmed his decision because Judge Michael Griffin ruled without considering evidence or providing memorandums and opinions the Idaho Supreme Court could review or overrule.

Fraud and deceit are irrefutable.
To allow JP Morgan Chase to claim they had never owned our property and secure the first summary judgment, PHH Mortgage Services claimed they received our note directly from Fannie Mae in the first summary judgment. At the same time, JP Morgan Chase claimed PHH Mortgage Services got our note from Freddie Mac. These claims not only contradict each other, but they also contradict PHH Mortgage Services’ later claims that PHH Mortgage Services received ownership by a 2010 assignment from JP Morgan Chase. PHH Mortgage Services used this 2010 assignment from JP Morgan Chase to PHH Mortgage Services to establish ownership of our note and secure the 2014 summary judgment they are trying to enforce in the current post-foreclosure ejectment action.

Not enough? All of these claims ignore and refute Fannie Mae's claims they received our loan on December 27, 2002, and transferred it to JP Morgan Chase on December 3, 2009. Fannie Mae’s claims are corroborated by a Notice of New Creditor letter we received from JP Morgan Chase that claims the loan was transferred to them on December 3, 2009. No Notice of New Creditor Letter has ever been received from PHH Mortgage Services.

Further, there is a 2007 assignment from Coldwell Banker to JP Morgan Chase in the county records. This assignment completely disputes Fannie Mae’s ownership from 2002 to 2009. The authenticity of its existence is not even possible. How can Coldwell Banker Mortgage sign our loan over to Fannie Mae in 2002, and then sign it over again to JP Morgan Chase in 2007?

Still further, there is a March 2017 assignment from JP Morgan Chase to PHH Mortgage Services. This is three years after the 2014 summary judgment. And…JP Morgan Chase has repeatedly claimed they are the owners of our property since 2014. In fact, JP Morgan Chase is claiming on multiple primary real estate sites and locations to be the lender and owner of our property in 2019.

Now you know why we are asking for help. PHH Mortgage Services, JP Morgan Chase, Wells Fargo Bank, N.A., and their accomplices have created a great big web of deceit and lies. We got caught in it, but we are fighting back and are going to continue fight back until we are free and all the spiders are caught!

Help us find evidence to save our Montana Ranch.
Did you work for Wells Fargo Bank N.A., from 2007 to present? Are you familiar with or have you done business with the Wells Fargo Private Bank in Helena, Montana? Have you had any problems with them trying to force a foreclosure on you? Do you have any information about the illegally altered mortgage document used at closing? Did you work with us or do you have any information about the illegal crafting of this document? Do you remember talking with us and hearing our story when Wells Fargo locked our account, refused to accept our payments, and we were begging for Wells Fargo to take our payments? Did you tell us you could not take our payments? Did you make harassing phone calls to us or listen to others make them? Do you know anything about our loan being allegedly entered into a closed trust in 2010, and again in 2012, so Wells Fargo could foreclose on our ranch? Did you work in the Executive Office of Hongkong and Shanghai Banking Corporation (HSBC Bank)? Do you know anything or have any information about them being the Trustee for this Trust (Wells Fargo Asset Securities Corporation, Mortgage Pass-Through Certificates Series 2007-7)? Our loan was supposedly entered in the Trust 3 and 5 years after the trust was officially closed (Closed May 30, 2007). New York law governs the Trust. Are you familiar with New York trust laws? Can you connect us with any investors on this trust or our ranch? Are you familiar with laws surrounding REMIC status and how entering our loan in a closed trust affects all the investors in the trust? Do you know someone with the authority to investigate and prosecute trust violations? Can you help us find investor contact information for this Trust so we can notify the investors of what has happened and solicit their help in stopping this abuse. Do you have firsthand knowledge of why Wells Fargo had to foreclose on our loan because of the paperwork and the way it was set up? Do you work for any of the watchdog or oversight agencies, freedom or liberty groups, or know someone who does? Please share our story with those you think might be willing to help. District Court Judge Mike Menahan granted summary judgment to Hongkong and Shanghai Banking Corporation (HSBC Bank) in a 2014 foreclosure action. We had never even heard of HSBC until they filed for foreclosure. More on this story…

Please contact us if you helped prepare or execute our documents or have any knowledge or information about the companies or individuals who prepared and executed them. If you did not work for these companies or entities, but know someone who did or does, please share our story with them. If you are a forensic expert, investigator, compliance officer, title expert, law enforcement agent, or other official, we need corroboration, expert opinions, amicus briefs, anything that attests to their fraudulent creation or nature. Any help you can provide is appreciated. Read more…

Some of you know our story because you are a part of our story. Your honesty and willingness to come forward and simply tell the truth can help us save our home and help us protect other homes. Please contact us and share what you know and remember. If you spoke with us, you know and have heard, This is our home. We want to keep it. We have and have always had the wherewithal to keep it. We will fight to keep it. We are still fighting. Will you help?