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 the OCC CEO, please tell him the Nickersons would like him to read our story and see how well these civil penalties have and are deterring HSBC and their accomplices from continuing to commit fraud and property identity theft. HSBC is not in compliance. HSBC has never taken any 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.

It appears this is the same Joseph Smith that "did not recall" being informed by the City of Milwaukee that "thousands of homeowners" were engulfed in legal nightmares because of bank misconduct here.

Apparently HSBC and the other banksters think it is unfair for the public to know the truth about all their evil deeds. Amazing!

OPEN LETTER TO CURRENT CFPB DIRECTOR

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 predecessors. Please, if you can, help us save our home and stop the assault on our family.

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

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 and PHH Mortgage are, or have been, connected. This is very significant in our case. PHH Mortgage has wrongfully foreclosed on our Idaho ranch while HSBC has wrongfully foreclosed 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!

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

HSBC is foreclosing on our Montana Ranch and PHH is foreclosing on our Idaho Ranch with forged and robo-signed documents. We are still the only lawful owners of both ranches. However, the District Courts have ruled against us in both states via summary judgment. The Supreme Courts of both states have then ignored truth, facts, and evidence that corroborate these judgments are in error to affirm their decisions. In effect, 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. We were told in Idaho to get out of Idaho and go to Washington D.C. if we wanted any justice. Wells Fargo is foreclosing on our Montana Ranch under the name of HSBC Bank. 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 fraud has been committed. Nonetheless, our battle to save our ranch continues. These banksters 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, yes, they are STILL getting away with it.

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.

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.

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. Below 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/

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, 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. They are still doing it...

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.

This article was written in 2010. It is 2022, and the banksters are still doing the same things. We are victims who are fighting back. We are reaching out to 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.

Unethical lawyers helped the banksters foreclose on America with complete impunity. It is time for them to be held responsible for their actions.

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?

Greed. Corruption. Felonious business practices. Domestic terrorism. Treason. Despotism.

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.

Whistleblowers come forward! America needs you!!

Homeowners should not have to fight back. The law is supposed to be their advocate and elected officials are supposed to fight for them. Uphold and enforce the laws already in place and it would fix most, if not all, wrongful foreclosures.

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.

This page has a link to the Better Markets report that totals the cost of the crisis.

Fraud and MERS (Mortgage Electronic Registration Systems).

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.

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 of the article (above).

HSBC, your reign of terror in America is officially over. America is 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.

Less anyone start a fundraiser for "poor" HSBC (Hongkong Shanghai Banking Corporation), 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.

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!!

Tim Sloan, the former CEO of Wells Fargo, has wanted 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, Congressional depositions, fraud fines, apology 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 this assault against our family stop. So, Tim, Wells Fargo, what are you doing to help us? We, and the world, would like to know.

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, systemic corruption, procedural manipulation, 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

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.

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.

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!

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

Erika Peterman of Routh Crabtree and Olsen (aka RCO Legal) claimed to be 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.

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. 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! Contact information for Montana and Idaho officials can be found here.

Perhaps the House should consider cremation next time...

Our Montana home and ranch 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. Get Involved.

Unauthorized Wells Fargo Accounts are proof Wells Fargo has committed fraud and intentionally stolen from innocent consumers. They are also guilty 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.

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.

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.

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...

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!!

It is coming around!

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!

Latino families are being foreclosed on...and it is hurting them.

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....

Mortgage Robbers, and those who are helping you steal American homes, 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.

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.

Articles, blogs, stories, and cases about mortgage abuse issues.

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.

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, and it has continued on. America, this has to stop!

It happened to us. It has happened to others. It could happen to you.

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 something to be done to stop it and prevent it from ever happening again. Get involved.
Note: The link to this article is no longer working. Click here to see the maps.

Who is servicing your loan? After reading some of these accounts, I have a question I would like to pose to the judicial system and victims of identity theft. Could the mortgage companies and banks be implicated, indicted and convicted for the identity theft crimes across the country? Will some investigators and law enforcement officials take a look at this? It is strange that the two happened around the same time, is it not? It at least deserves some investigation. Please help.

Eyewitness accounts of Mortgage company abuse and foreclosure fraud. It happened to us. It could happen to you. Wake up, America. If it is happening to us, it is happening to you. We are all in this thing together.

HEY CHASE! You are not too big to fail. The truth is you are so big, you are going to fall REALLY hard when you fail. Today, tomorrow, or some day soon, you are going to get caught and the American people are going to come for you. Rest assured the Nickersons will not stop until you are held accountable for what you have done to us.

NOTE: In 2007, the President, Chairman, and CEO of JP Morgan CHASE James Dimon (Jamie Dimon) joined the board of directors of the New York Federal Reserve. That is right. The CEO of CHASE served as the Director of the Board of Directors of the New York Federal Reserve.

List of Foreclosure Law Firms Linked to Robo-Signing Foreclosure Mills, State-by-State. According to this site, if your foreclosure involves a law firm whose name is on the list, then there is a good chance that many fraudulent practices were employed. Just Law, the law firm representing PHH in our case is on the list. Check the list for your attorneys.

A case for educating the homeowner. A must read for all homeowners. Provides legal strategies, definitions, and fraud alerts. Excellent How To Save Your Home information. Updated daily. This is a good site for learning more about protecting yourself. Take some time and look around the site.

This should be a must read for mortgage companies and attorneys. An authentic, original note is a crucial document for every party to a mortgage. Find out why.

Alphabetical list by first name of known and suspected robo signers. Check your documents to see if you have been defrauded. It happened to us. It could happen to you.

Click here for more facts on robo signers.

CRITICAL UPDATE: THE NICKERSONS MUST RETRACT THE ABOVE RECOMMENDATION. THOUGH WE STILL MAINTAIN THERE IS, OR SHOULD BE, SOME WISDOM IN ENLISTING THE HELP OF PROFESSIONALS IN NAVIGATING THE JUDICIAL SYSTEM, EXPERIENCE COMPELS US TO WARN YOU FRAUD IS NOT LIMITED TO THE MORTGAGE COMPANIES. HOMEOWNERS, BEWARE! SADLY, OUR STORY HAS BECOME A GRAVE REMINDER OF HOW ALL OF US MUST BE VERY CAREFUL WHO WE TRUST OR ENLIST TO HELP US IN THIS BATTLE. MORE ON THIS PART OF THE STORY SOON...

Incredible case. A must read for all honorable attorneys and judges.

Visit our legal pages for a Mortgage vs Deed of Trust comparison chart.

Nickerson Montana Mortgage

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?

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 MorganChase, 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!