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God Enriches

Arizona Quick Facts
Capital: Phoenix
Area: 113,909 square miles
Ranks 6th in size
Nickname: Grand Canyon State
Admission Date: 1912
State Flower: Saguaro Cactus Blossom
State Bird: Cactus Wren
Did you know?
  • The official gem of Arizona is the turquoise.
  • The Grand Canyon located in Arizona is the world's largest canyon.
  • Arizona is home to the Gila Monster, the only poisonous lizard in the United States of America.
  • The famous gunfight or standoff at the O.K. Corral took place in Tombstone, Arizona.
  • Arizona is home to 11 different species of the dreaded and deadly rattlesnake.

In 1912, Arizona became the 48th State to be admitted into the United States of America. Below are excerpts of the Arizona Constitution followed by what has and is happening in Arizona.

The Constitution of Arizona
We the people of the State of Arizona, grateful to Almighty God for our liberties, do ordain this Constitution.

The Constitution of the United States is the supreme law of the land.
Article 2, Section 3

No person shall be deprived of life, liberty, or property without due process of law.
Article 2, Section 4

Justice in all cases shall be administered openly, and without unnecessary delay.
Article 2, Section 11

The liberty of conscience secured by the provisions of this constitution shall not be so construed as to excuse acts of licentiousness, or justify practices inconsistent with the peace and safety of the state. No public money or property shall be appropriated for or applied to any religious worship, exercise, or instruction, or to the support of any religious establishment. No religious qualification shall be required for any public office or employment, nor shall any person be incompetent as a witness or juror in consequence of his opinion on matters of religion, nor be questioned touching his religious belief in any court of justice to affect the weight of his testimony.
Article 2, Section 12

Perfect toleration of religious sentiment shall be secured to every inhabitant of this state, and no inhabitant of this state shall ever be molested in person or property on account of his or her mode of religious worship, or lack of the same.
Article 20, First. Toleration of Religious Sentiment

The right of trial by jury shall remain inviolate…
Article 2, Section 23

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It is happening in Arizona
God enriches, but the banksters taketh away.

Arizona ranks No. 4 in mortgage fraud
...Arizona ranks No. 4 nationally for mortgage fraud, according to a leading monitor of the crime. ...

U.S. Attorney John Leonardo called the Anderson-Plany scam another "reminder of the damage mortgage fraud has caused to our community."

Arizona has ranked in the top five states for mortgage fraud on the LexisNexis Annual Mortgage Fraud Report since the housing boom, when cash-back deals became common. The deals, made possible by loose lending guidelines, revolved around speculators flipping houses among themselves every few months and taking cash out of each deal. ...

We are all victims of mortgage fraud.


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Tags: Arizona
Article by Catherine Reagor, July 10, 2015


Arizona rounds up 38 for mortgage fraud over the past month
“Mortgage fraud ruins lives, destroys families and devastates whole communities, so attacking the problem from every possible direction is vital,” said U.S. Attorney General Holder. “We will use every tool available to investigate, prosecute, and prevent mortgage fraud, and we will not rest until anyone preying on vulnerable American homeowners is brought to justice.” ...

Special Agent in Charge Nathan Gray, FBI Phoenix Division, said, “The FBI’s Mortgage Fraud Task Force as a part of the Arizona Financial Fraud Task Force has continued to address mortgage fraud matters since 2008. Operation Stolen Dreams represents a second successful wave of indictments for the task force targeting individuals committing fraud in the housing market. The FBI and our law enforcement partners are committed to working with local, state, and federal prosecutors in combating mortgage fraud.” ...

Unlike previous mortgage fraud sweeps, Operation Stolen Dreams focused not only on federal criminal cases, but also on civil enforcement, restitution for victims and increasing cooperation with state and local partners. ...

"Operation Stolen Dreams highlights the efforts of law enforcement to bring to justice those who sought to defraud desperate homeowners." ...

All of the properties went into foreclosure and in some cases bank short sales. The resulting decrease in home values caused a ripple effect across the Valley...

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Tags: Arizona
Article by Mortgage News Network Inc., June 23, 2010


Arizona Homeowners to Receive up to $6.6 Million in State-Federal Settlement with HSBC
“Arizona homeowners on the verge of losing their homes shouldn’t have to worry about mortgage companies taking advantage of them,” said Attorney General Mark Brnovich. “This settlement holds HSBC accountable for its abusive practices and ensures HSBC will treat its borrowers more fairly in the future.”

The settlement addresses abuses involving mortgage origination, servicing, and foreclosure. It requires HSBC to issue direct payments, loan modifications, and other relief for borrowers in need of assistance. HSBC must comply with rigorous mortgage servicing standards and an independent monitor will ensure HSBC complies with the agreement. The settlement includes Arizona and 48 other states, the District of Columbia, the U.S. Department of Justice (DOJ), the U.S. Department of Housing and Urban Development (HUD), and the Consumer Financial Protection Bureau (CFPB).

...National Mortgage Settlement (NMS) reached in February 2012 between the federal government, 49 state attorneys general, including Arizona, and the five largest national mortgage servicers...

The terms will prevent past foreclosure abuses, such as robo-signing, improper documentation, and lost paperwork. The settlement’s consumer protections and standards include:
Making foreclosure a last resort by first requiring HSBC to evaluate homeowners for other loss mitigation options;...

The agreement does not prevent state or federal authorities from pursuing criminal enforcement actions related to this or other conduct by HSBC, or from punishing wrongful securitization conduct that is the focus of the Residential Mortgage-Backed Securities Working Group...

If you believe you have been a victim of consumer fraud, please contact the Attorney General’s Office in Tucson at (520) 6286504, in Phoenix at (602) 5425763, or outside the Phoenix and Tucson metro areas at 1 (800) 3528431. Consumers can also file complaints online by visiting the Arizona Attorney General’s website at

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Tags: Arizona
Article by Arizona Attorney General Press Release, February 5, 2016


And more articles to tell what is happening in Arizona are coming soon...

Arizona has 399,000 stories waiting to be told. Have you read an article in your local paper that exposes fraud, abuse, or corruption? Send it to us! We want to help save Arizona homes.