Live for Jesus

Rick Santorum, conservative?

2012-01-15T18:24:00.000-08:00

Facts:

I have never heard him say JESUS CHRIST

He endorsed Mitt Romney four years ago

*** Voting to send hundreds of millions of taxpayer dollars to Planned Parenthood - the nation's largest provider of extermination of children in the womb (abortion)

*** Padding his own wallet as a corporate lobbyist at the expense of taxpayers;

*** Voting to RAISE the debt ceiling five times;

*** Voting to DOUBLE the federal Department of Education

*** Voting with liberals like Ted Kennedy on multiple occasions in support of Big Labor's radical agenda

*** Urging more federal involvement in housing with Fannie Mae and Freddie Mac

*** Voting to create a brand new, unfunded entitlement, Medicare Part D, the largest expansion of entitlement spending since President Lyndon Johnson - creating $16 TRILLION in unfunded liabilities

*** Endorsing liberal Big Government RINOs like Arlen Specter over conservatives. Of course, Specter later became a Democrat and worked hand-in-glove with President Obama to pass his radical agenda

*** Voting for Sarbanes-Oxley, which imposed dramatic new job-killing accounting regulations on businesses

*** Supporting raising taxes on oil companies, which directly costs Americans more money out of their pockets at the gas pump

*** Voting for gun control

*** Voting to give Social Security benefits to illegal aliens, while voting against an additional 1,000 border patrol agents

*** Voting to give $25 million in foreign aid to North Korea

and hand out hundreds of billions of dollars in foreign aid to enemies of Israel

Bank of America files foreclosure due to wrong 'letter' on title work, 8 years later

2012-01-10T09:54:00.000-08:00

The credit of unsuspecting victims of Bank of America is ruined because of a frivolous lawsuit by their criminal enterprise.

Man nearly has house stolen because of 80 cents

2012-01-03T14:29:00.000-08:00

And of course, Fannie Mae is involved along with their partner in crime, an FDIC-member bank. What do they do - yep - blame the computer ...

Salvage title for houses ...

2011-12-28T21:11:00.000-08:00

The phrase SALVAGE TITLE is most commonly known in the auto industry.

For example, CarFax, which they self-proclaim themselves "the most trusted provider of vehicle information" develops reports that "may include:

Title information, including salvaged or junked titles
Flood damage history
Total loss accident history
Odometer readings
Lemon history
Number of owners
Accident indicators, such as airbag deployments
State emissions inspection results
Service records
Vehicle use (taxi, rental, lease, etc.)"
http://www.carfax.com/about/car_history/hcabout.cfm

In real estate, the issues above are already an unmitigated disaster in America, and we are now learning more. For the sake of getting too in-depth and possibly off course, we're focusing on the topic of SALVAGE TITLE.

Real estate does not necessarily have a "CarFax" report, whereas prospective buyers and even recording officers (county recording departments and county law clerks for example) have to rely on stated information pursuant to their own state or local codes. Some information can be available at building departments, but that information is not easily accessible the way CarFax obtains information.

The most common problem with real estate today, coming from a former banker (me), is salvage title on real estate.

According to salvage title expert Keith Griffin, in his book, Understanding Used Car Salvage Titles:"

In the United States, a salvage title is a form of vehicle title branding, which notes that the vehicle has been severely damaged and/or deemed a total loss by an insurance company that paid a claim on it. The criteria for determining when a salvage title is issued differ considerably by state. In a minority of states, regulations require a salvage title for stolen vehicles

http://usedcars.about.com/od/safetyratings/a/SalvageTitle.htm

CarFax also does their own explanation of salvage title.
http://www.carfax.com/car_buying/salvage_titles.cfx

They explain a common type of Salvage Title Fraud for vehicles:

A common scam associated with salvaged vehicles is title washing. In title washing, a seller moves a vehicle to a state that has looser title laws and then registers the vehicle in that state.

Real estate title fraud, if you will, is much worse, mainly because of FDIC-member banks' fraud. One of the most common problems is a racketeering-influenced drone (aka corporation) called Mortgage Electronic Registration System (MERS). MERS helps banks hide much title fraud, and of course MERS helps banks hide from dealing with mandatory court recordings and county recordings, which of course helps them save money on filing fees and aids in hiding fraud. (Allow me to briefly interject here to say, as a former insider at banks, that thug banks also use MERS to commit various types of fraud in or through origination and servicing of loans.)

Along with the banks committing their fraud through the pimp, MERS, of straw buying, there is the common fraud of:

false notarizing of assignments
fraudulent foreclosures with fake witnesses, false documents, forgery, tampering with documents, and so much more
false statements made in recording departments by banks and/or their representatives

This all causes serious problems with chain of title because the very fraud makes all future transaction void ab initio.

Void ab initio: Void from the beginning, not just merely void.

This may sound like legal jargon; I am certainly not an attorney. (No bar would like me to even be considered a member of them, for which I praise them.)

False sales of notes with attached mortgages on title have clouded title in a nasty way all throughout America. Thug banks are not properly transferring alleged ownership of mortgages in nearly all cases of either the sale of a note through a simple purchase of it for transfer or acquisition of it through a merger/acquisition of a company also known as ISAOA.

In the revelation of a massive foreclosure fraud scandal in Nevada (and it is happening in every state in the country), whereby an actual indictment was filed against supervisors for commanding certain employees to commit crimes such as notary fraud, forgery, and other issues involved in tampering; the Attorney General has said many foreclosures could be reversed with the titles of real estate where crimes were committed. In other words, if the documents were filed fraudulently, then the document does not exist and must be correct. Soon we shall summon REBUILT TITLE, which is common in the auto industry to correct title problems of alleged theft or insurance issues.

http://ag.state.nv.us/newsroom/press/2011/Indictment.pdf

Anytime there is fraud involving anything related to a mortgage, the entire title history from the point of the fraud is called into qquestion.

Title is junk when there are such serious questions about title for automobiles. How do you know the vehicle was not stolen? How do you know the vehicle was not considered a total loss because of a bad accident? How do you know a house was not stolen? How do you know a house was not stolen by a bank that filed false documents with a court to get their desired judgment, then their sale, and then their eviction, which caused the sheriff to wrongfully essentially seize the property. How many sheriffs have reviewed documents to verify signatures and verify documents matched? Any false statement made by somebody in an action that caused a transfer of title then clouds the title.

Real estate is loaded with salvage title because of false statements made by mortgage holders. It can only be corrected by the mortgage holder correcting their statements by confessing that they lied and giving back what they stole in their deception.

The property in Olmsted Township where my family and I reside is salvage title, I learned about a year ago, altholugh its transfer in 2006 was clean. I made the mistake of talking to criminal banks, namely Indymac, whereby FDIC got involved and continued their crimes For example, alleged transfers of holders and/or owners of mortgage were obviously fraudulent, as none of the documents and signatures match or even make sense. What's more, the most recent mortgage was satisfied multiple times, however it took months for the alleged mortgagor to release the mortgage. Even with that mortgage, the company claims in the document that they were only partially paid, which is obviously a lie considering other internal documents show it was paid in full. The suing entity in that fraudulent foreclosure case also claimed to pay certain taxes, but refused to produce any documents about that; this kind of fraud causes issues with taxes nationwide for verification when banks refuse to produce documents. While we are on my testimony, I shall also testify that the alleged note was never returned as receipt of payment for satisfaction of mortgage. These are mere examples of a lucid case, whereas even this case is much deeper of course.

Putting it lightly, CHAIN OF TITLE is screwed up all throughout America right now due to banks' fraud.

In my case, the Lord Jesus Christ is correcting the matter by exposing the criminal banks involved and causing them to give back what they stole.

I, Jason Werner, did not know about this title fraud until after I "retired" from the banking industry just a few years ago. I am still learning of the multiple ways banks commit crimes, whereby we are aggressively chasing the banksters to correct their problems.

Excerpt of SW from Grand Jury Testimony related to foreclosure fraud

2011-12-17T15:25:00.000-08:00

Testimony from Star Witness and whistleblower, who by the way was killed after her testimony to a Grand Jury in Nevada, reveals even more than the instant matter of the indictment of Gary Trafford and Gerri Shepphard of Lender Processing Services.

The first day of testimony, 11/8/2011, with John Kelleher, chief deputy attorney general, questions that arguably had nothing to do with the indictment were asked, I’m guessing because there is much, much more going to happen in coming months.

Q: When you say client, what are you referring to? What type of people or companies would hire LPS to do this work for them?

TRACY LAWRENCE (before her death)
A: The trustees who were appointed by the banks to handle their foreclosures.

Q: Do you know some of the names of some of the clients that your company did work for?

A: Uh-huh. Yes. Sorry.

Q: Can you tell us some of those that you recall?

A: Cal Western, California Reconveyance, Recon Trust Company, National Default Services, Housekey, Land America Services, Trustee Corp. Those are some of the bigger ones. I remember there were some others that were littler who didn’t really do a lot, didn’t have a high volume.

Q: Do you know which banks those companies were affiliated with?

A: Yeah. Like Cal Western initially was Bank of America but then Bank of America bought Countrywide which was Recon Trust so then that was their bank. California Reconveyance, initially they were, when WaMu, I’m sorry, Washington Mutual, that was their, they were the trustee for Washington Mutual, National Default Services did a lot of Fannie Mae, Freddie Mac, a lot of HUD loans, various banks. Trustee Corp, I can’t remember who - - a lot of times, they would be representing like those loan, like the loan trust where the loans were all packaged together, so it wouldn’t really say a bank it would say Trustee Corp for the benefit of, for whatever the trust was named for all the loans that were bundled together.

Q: Are you referring to the mortgage backed securities?

A: Yes.

Q: What’s your understanding of how that worked?

A: I don’t really have an understanding other than what I read. It was never really explained to us other than what I read, you know, in the paper.

Anyway, she just listed a bunch of criminals involved in a huge money-laundering and fraud scheme, and she doesn’t even know it. There are times, of course, when the prosecutors would love to make the banks look like victims. My concern is this: Why do all the criminal banks love to go to the bad guys like LPS? Don't ya think the banks know something as to how their fraud is to be processed? It is quite true that you are who you run with.

Remember, folks, this LPS in Las Vegas was doing business everywhere. I’ve heard also that Nevada has some kind of state income tax loophole for corporations to avoid income tax while being able to do business out-of-state, wherefore many companies loved to plant their companies there. This is irrelevant to the instant matter of fraudulent foreclosures, but I have a belief there is more behind this with taxes too and alleged assignments of mortgages, and it does show their character.

I wonder how much the banks urged LPS to lie for them and tamper with records.

Testimony at Grand Jury hearing, insiders confess banks' perjury and tampering with records

2011-12-16T06:40:00.000-08:00

Transcript, day 1 and day 2
http://www.mynews3.com/media/lib/166/8/5/c/85c1cf89-dd56-400d-92f5-55590c5c7d85/Trafford__Sheppard_GJ_Transcript_day_1.pdf

Statement: On the Robbery of the Church

2011-12-05T19:57:00.000-08:00

Press Release 12/5/2011
Jason Werner

OLMSTED TOWNSHIP, OH - We the People must be the eyes in our communities. We must look out for one another.

When a crime occurs at a church building, it is usually the leadership laundering money in one way or another. In this case, the few dollars that were at the church building were stolen by someone breaking and entering. Candidly, the way the “church” is today and all the crime in the churches, I am glad it was from the outside and not one of the dollar-hungry “senior pastors” or “elders.”

“A king that sitteth in the throne of judgment scattereth away all evil with his eyes.” Proverbs 20:8

Our sinful society encourages, “Don’t judge; don’t watch your neighbors.” This is actually the type of action that enables criminals to do what they do. Refusing to be the eyes in our communities and refusing to verify causes undo strain, whereas problems like this are more common, as we see more common in Cleveland, the same city that criminally prosecuted me for sharing the Gospel, the love of Jesus Christ by talking to people on a public sidewalk in downtown Cleveland.

Most people do not realize the costs in dollars – taxes – of any type of crime. It costs the taxpayers money to pay for gas for a police car to come to the scene of a crime, maintenance on the car, wages and insurance for the officers, back office support, costs for criminal prosecution, costs of booking, court costs, as I say in the video an average of $25,000 per inmate in prison (many private, owned by fraudster hedge funds) per year, and so much more. How much money we could save when we hold each other accountable by watching, asking questions, and just saying hello to strangers.

That such a horrible crime occurred, allegedly according to a surveillance camera 11/14, we all should be on our knees, in tears to God. What did the sinners have to gain? What could we have done by loving them even more to prevent this? The Lord Jesus Christ is our only hope and answer.

Contacts:
Pastor Jeff Ortiz (convicted felon): (216) 374-0902
Douglas Long: (216) 280-2526
Jason Werner: (216) 570-9501

Judge admits courts need more foreclosures to stay in business

2011-10-22T19:04:00.000-07:00

So why not grant every motion for the people who keep them in business? Why not deny the every move of the people (consumers) who defend themselves in court and ignore their claims.

This judge is admitting that they need more banks to bring more [fraudulent] foreclosures, so that the judge can essentially keep his job (keep his court in business). Finally, the evidence is being exposed as to why judges favor the banks so much - the banks create business (jobs, money) for the courts, so naturally the judges have to return the favor to the ones who feed them.

OCC Director explains how they are tampering with their foreclosure fraud

2011-10-10T17:28:00.001-07:00

Bank Fraud Super Lord John Walsh (aka Director of the OCChttp://www.blogger.com/img/blank.gif, which creates and regulates national associations - criminal banks - such as Chase, BofA, Wells Fargo, and other N.A.s), ran for the caves in his opening paragraph in a prepared statement 9/19/2011 to The American Banker Regulatory Symposium in Washington.

http://www.occ.gov/news-issuances/news-releases/2011/nr-occ-2011-120.html

"Many months ago, when I agreed that the OCC would participate in this program, I did so with confidence that a new Comptroller of the Currency would be nominated and confirmed, and I would never have to write a single word to say to this audience. But the process did not work quite as I anticipated and here I am."

In other words, how in the hell do I get out of here, please help!!!

"Among the issues that will be front and center for the new Comptroller are mortgage foreclosure and mortgage servicing ...

"... The improper [criminal] practices in foreclosure processing and mortgage servicing that have come to light [they have likely known about this for many years] have major safety and soundness implications for banks ... they have had very damaging effects on the reputation of institutions involved ...

"When we announced the actions, I said they were intended to fix what was broken, compensate those who were harmed, and, where appropriate assess penalties for abuses [crimes]. We are doing just that. We have directed servicers to undertake major systems and processing improvements that will be quite expensive to implement. And servicers must provide restitution or other forms of remediation to borrowers who have suffered financial harm, with no limit on total cost." WOW. Strong statement. They better follow through!

"Engagement letters and action plans are the critical steps in resolving the foreclosure processing mess [crimes], but they lack the sex appeal of a big dollar settlement or the sound bite that summarizes the process in a word or two. Since it is not a story that lends itself to easy synopsis, I'd like to spend a few minutes highlighting its key elements."

Ok, I'm listening.

So he speaks about robo-signing, then he actually puts coals under the feet of Board of Directors of my former bank fraud lords, which is great.

"The orders ensure accountability. They were signed by each member of the board of directors at each of the banks, and each servicer was directed to establish a compliance committee including at least three of its directors, each of whom is accountable to the OCC and the Fed for the oversight and implementation of the corrective actions required by our orders.. The scope of compliance responsibilities that this committee is accountable for is extensive, and failure to deliver effective compliance can carry personal consequence for directors, as well as for the servicers." We'll see if they come even close to keep this up.

Here he admits that banks are stealing properties while the bank has agreed to modify their fraud: "For example, we are requiring servicers to establish a single point of contact for borrowers and to establish procedures to end dual tracking: that is, to ensure foreclosure actions stop when a borrower is approved for a trial or permanent modification."

Interesting ...

"But for homeowners who ended up in foreclosure, the critical issue is whether they were financially harmed due to servicer deficiencies, errors or misrepresentation and, if they were, what kind of restitution should be provided."

It is interesting that somehow the OCC's criminal banks were able to sneak this "deficiencies, errors, or misrepresentation" right by honorable judges, sheriffs, county auditors, county law clerks, attorneys general, prosecutors, and more.

And this is where he conceals evidence, tampers with the banks' crime, and minimizes the fraud, whereby he tries to make this serious crime look like it only happened in foreclosure matters, completely ignoring the originator's fraud, the servicer's fraud, and so much more:

"As we explored the best means of ensuring that injured homeowners had the opportunity to seek relief, it became clear that what was needed was a robust, transparent, and accessible complaint process that will give borrowers the opportunity to request an independent foreclosure review."

The thug bank fraud super lord is trying to ignore examination of origination and servicing! He is also avoiding the fact that thug banksters are stealing other properties like commercial real estate, cars, boats, and so much more.

"Homeowners who faced foreclosure of their primary residence will be able to request a review of their case if they believe they suffered financial injury as a result of errors, misrepresentations, or other deficiencies [crimes] in the foreclosure process between January 1, 2009 and December 31, 2010. Affected borrowers in this timeframe will be contacted through direct mailings and other tracing techniques. The independent consultants will also launch a coordinated advertising campaign to help contact borrowers who cannot be reached through direct mailings or other means." (This whole advertisement thing is impressive, seriously.)

I'd like to do an investigation of their so-called independent investigators.

Toward the end, he explains how the criminal servicer will continue to avoid discovery: "the servicer will provide relevant documentation related to the case and may be asked to clarify or confirm facts and disclose relevant reasons for decisions made or actions taken during the process." They better provide those documents to the victim for the victim to be able to present those documents as a defense in their case and as a claim against the regulator and all parties involved in the mortgage loan transaction.

"The OCC expects independent consultants to employ a robust quality assurance process and our examiners will review and assess this process on a continuing basis." Unbelievable, nobody should expect those fraudsters to immediately do a 180 going from committing serious fraud crimes to correcting their crimes by doing their own assessment of an independent reviewer that they hand pick.

"Thank you."

And no apologies, or please forgive-us's.

DISCLAIMER
I call the Director a Bank Fraud Super Lord, but to be fair to him, he can't really help it; he's in a system of corruption. The area where he has failed and become complicit in bank crimes is the area of BLOWING THE WHISTLE. There is no excuse for a person in that position to not scream loudly about its member banks defrauding everybody and everything.

Flashback: Coach Shurmur's first words about DEFENSE

2011-09-11T18:37:00.000-07:00

The Cleveland Browns introduced Pat Shurmur as the new head coach 1/14/2011 during a press conference. He is an offensive-minded coach, so a reporter asked him about the future defense.

Reporter:
All of the focus so far has been on offense, but have you given any thought to the other side of the football, in defense, and what you might do; will you stick to the 3-4 or go to a 4-3; what are your thoughts there?

Coach Shurmur looked dumbfounded in his response (at the 9:30 mark) ...

Coach Pat Shurmur
"There's a defense? Typically, I don't tell jokes, but ..."

http://www.clevelandbrowns.com/media-center/videos/Pat-Shurmur-Press-Conference/c770d6e9-a482-4b77-9305-2ad8edd28263

This is what happens when you tell jokes about defense:

http://www.nfl.com/videos/nfl-game-highlights/09000d5d8222174a/Bengals-go-Green

Listen Mr. Shurmur, defense is not a joke!

Seriously, the defensive players' backs were to the offense; in other words, the players were looking to the opposite direction of the opposing team.

USDOJ honestly refers to unborn children as 'unborn babies'

2011-08-12T12:34:00.000-07:00

The Federal Bureau of Investigation (FBI) issues a press release 8/9/2011 correctly referring to persons in the womb as unborn babies.

Here is the full press release
http://www.fbi.gov/sandiego/press-releases/2011/baby-selling-ring-busted

The phrase "unborn babies" was correctly and fairly used multiple times in the first paragraph of the press release and multiple times in the second paragraph.

It seems as though - in stock market terms - according to the press release, the criminal was selling futures on children, whereby as soon as the mother reached the second trimester with the child in the womb, then the criminal was able to make some kind of completed transaction.

It really is miraculous though and very loving to see that when it is convenient for law enforcement to refer to an unborn baby as an unborn baby, then they do it. Notwithstanding, the USDOJ is actually honored by God in this matter.

Also of serious note an consideration, according to the press release, the criminal "deceived" a court by "fraudulently submitting declarations and pleadings" to the court; this type of "deception" and "fraudulently submitting declaractions and pleadings" is very similar to what banks are doing right now.

Criminal BANK accuses their attorney of committing crimes

2011-08-12T06:38:00.000-07:00

Dear Thug Bankters,

Your answer and counterclaim is correct, but better watch out, your whore friends are onto you as well even though you are accusing your thug attorney of committing crimes. God's word says the wicked will perish in their own corruption.

"GMACM has since learned that DJSPA committed gross malpractice in the handling of GMACM matters. For example, in one foreclosure matter assigned to DJSPA for handling, DJSPA failed to communicate to GMACM that counterclaims had been brought. Indeed, DJSPA neglected to put forward any defense to such counterclaims, with the result that a default judgment was entered on or about May 5, 2011 for over $450,000. DJSPA‟s conduct in this and other instances has been wanton or reckless."

COUNT ONE
(i) causing and/or permitting DJSPA‟s employees to execute, witness and/or notarize assignments of mortgage that were back-dated;

(ii) causing and/or permitting DJSPA‟s employees to witness and/or notarize assignments of mortgages, affidavits of indebtedness and/or other affidavits on a daily basis prior to and without actually witnessing execution of the document by the person whose signature was to be witnessed and/or notarized;

(iii) causing and/or permitting DJSPA‟s employees to prepare and execute affidavits of indebtedness for submission to the foreclosure court that failed to follow appropriate professional practices and procedures;

(iv) causing and/or permitting DJSPA‟s employees to sign the name of another person on various foreclosure-related documents without any indication of that fact on the documents;

(v) charging GMACM substantial fees and costs for legal services that DJSPA knew or should have known was not in accordance with the terms and conditions of its agreement with GMACM and that fell below the minimum standard of professional care owed by DJSPA to GMACM;

(vi) providing legal work on behalf of GMACM as to various files assigned to DJSPA that fell below the applicable standard of care; and

(vii) committing acts or omissions that have subjected GMACM to claims, losses and liabilities of third-parties.

http://4closurefraud.org/2011/08/12/explosive-gmacs-answer-and-counter-claims-in-david-j-stern-v-gmac-mortgage/

Man jailed for false report by bank

2011-07-12T19:41:00.000-07:00

That was not a mistake; I promise you. Just wait, more is going to be exposed about a false report and misleading the police; Chase knew exactly what they were doing. Chase was just trying to scare the guy and show him who was boss, but the whole police matter turned into a weekend in jail, which they did not anticipate and backfired on them.

There will be more coming.

I know.

And if they can get into more discovery, you'll see there was probably some kind of bitterness by the former bank employees.

Hypocrisy of the 'Casey Anthony' outrage

2011-07-09T07:26:00.000-07:00

Accused murderer of her daughter, Casey Anthony is hated seemingly by the majority even though the majority that mattered exonerated her.

It is a fact that most jurors have no clue what they are doing and have a tremendous lack of knowledge for the government's law and how it works. Regardless of what the jurors say, an accused killer of her daughter is getting away with murder according to the mainstream. But what about the others who "get away" with murder?

More than 1.2 million children are exterminated by their parent(s) with the help of a contractor (usually an "abortion doctor") every year. The slaughter of these unborn children are absolutely not accidental and nobody asserts that it is an accident.

It is repugnant that people were calling for the State to stick a needle into Casey's arm for her death and spend millions of dollars in the process, but most of those same people would have either encouraged Casey to slaughter Caylee before birth or they would have said, "It's your choice," and done nothing to be a voice for the child.

Caylee's life after birth is somehow more protected, even though she had full function of her body inside Casey, was considered a mere blob of tissue and without protection when she was even more defenseless and innocent in the womb.

How many people 'get away' with the murder of their live children, yet not many people complain. There are even organizations that raise millions of dollars to aid and abet parents and communities to slaughter children.

Ok, so there are many people against abortion and would argue that Casey should get the needle as well as the murderers of unborn children, which is really quite hideous in itself also, but many of even those people would politic, "Well, if Caylee were the result of a rape, incest, or if the life of Casey were at risk, then Caylee can be crushed and sucked out of her mother." Disgusting.

The Lord Jesus Christ is for life; He is the way, the truth, and the life. Any form of killing is abomination in His eyes. Thou shall not kill.

Americans must stop the killing. Americans are correct to be outraged at the death of that innocent little, lovely Caylee, but we must also be outraged for the deaths of defenseless, innocent Caylees in the womb.

Cavs must not draft Kyrie Irving

2011-06-17T13:24:00.000-07:00

Talks are abounding of the Cleveland Cavaliers drafting point guard Kyrie Irving with the first overal pick in the draft next week.

I am a point guard; I know point guards.

Scoring point guards simply do not win championships, which is exactly what Kyrie Irving is. With the awkward exception of Magic Johnson (he played all the positions), no NBA team has won a championship with a point guard who averaged more than 20 points per game during the regular season in the past 30-plus years.

Chris Paul and Derrick Rose are probably regarded as the two best point guards in the league right now. Certainly, they can win basketball games, many of them, and even get deep in the playoffs, but they simply do not have the toughness (at their small size) to win the NBA Finals along with the fact that the whole team gets screwed up when a point guard scores the way those two do.

I argue that Steve Kerr is one of the best point guards of all time. Why? And let's not forget he only started in 30 games, but played in hundreds of others. Kerr has five rings because he knew his role. Kerr made Michael Jordan and Scottie Pippen much better players by getting them open, helping on defense by giving the opposing point guard fits, and of course he hit the three unlike anybody in history, which opened easy lanes to the basket for his teammates, as well as opening the post players to not get double-teamed as much.

But Kerr did not average many points per game. Same with B.J. Armstrong, who also complemented Michael and Scottie quite nicely.

Speaking of the Bulls, they did not even have a traditional starting point guard during MJ's last three championships.

Derek Fisher is another great example of a great point guard who knew his role. He has a few rings.

The big-time scorers for a basketball team are going to come from the wings: Shooting guard and small forward OR one of those two along with a big man down low. That is simply how basketball works.

The Cavs should either draft Derek Williams or trade the pick. A great point guard should be available at the end of the first round along with the second round, especially in this point guard-heavy draft. And that point guard will only be drafted to be groomed to take the place of Baron Davis and Ramond Sessions, which two players already shows how deep the Cavs are at point guard as it is.

Williams would fit nicely at small forward for the Cavs.

We will

2011-06-13T06:08:00.001-07:00

"They can get a few days or a few months or whatever the case may be on being happy about not only myself, but the Miami Heat not accomplishing their goal. But they have to get back to the real world at some point."

That is what LeBron said last night.

http://www.cleveland.com/cavs/index.ssf/2011/06/lebron_james_on_losing_nba_fin.html

As for: "But they have to get back to the real world at some point," I agree and that is that we all must repent and live for Jesus Christ, now.

But she is a right-wing slut

2011-05-26T16:57:00.000-07:00

MSNBC's Ed Schultz correctly referred to self-proclaimed conservative Laura Ingraham as a right-wing slut this week.

He then said he "wants" to apologize for his comment and did say he was sorry in certain ways. He dragged on his lame apology for quite a while.

Most Americans do not understand though that most "right-wing women" are indeed right-wing sluts, whereas many of them can even be called whores instead of sluts because they take money to be the dirty or slovenly women that they are.

The word slut is an Old English word. It means dirty or slovenly women. Back then, most women were very clean, genuine, and modest. Today, many women are loud and obnoxious, such as Laura Ingraham. Ms. Ingraham runs her mouth like a trash-talkin' basketball player. She really has nothing intelligent to say, whereas she is filled with constant compromise. She stands for nothing. The Bible says of a wicked person like her that she would be more efficient and effective if she just sat in one place and did not say a word at all.

Powerful women know they are strong and beautiful, whereby they are so arguably arrogant that they are fully covered with clothing, "not discovering a button amiss" as Thomas Jefferson said. Women are stronger too when they are quiet and modest.

Ms. Ingraham must repent and stop trying to brag about her "ran into Senator so and so." See her facebook pictures for her various pictures with non-representative representatives and governors. Where are her pictures with her family or with her husband? She even brags about her pictures with flaming communists like Massachusetts Senator Scott Brown and others. Her own Web site is actually lifting "Laura" higher than God; she is turning herself into the answer for everything. She acts like a feminist and is quite liberal in many areas too of course.

"That they may teach the young women to be sober, to love their husbands, to love their children, to be discreet, chaste, keepers at home, good, obedient to their own husbands, that the word of God be not blasphemed." - Titus 2:4-5

People ignoring such Scriptures is a great example of the curse that is on America today and part of the reason why this land is such a joke. So sad that Muslims, Hindus, and others are so much more loving and conservative than conservative-professing American women today.

Ed Schultz should apologize for apologizing. I've done that before too.

SEC and FINRA explain how senior citizens get burned by marketing

2011-05-21T08:12:00.000-07:00

Here is the report:

http://www.blogger.com/img/blank.gif
http://www.sec.gov/spotlight/seniors/freelunchreport.pdf

Page 28 shows sample advertisements of how the crook financial advisors sell themselves and it gives a great indication of their future hoodwink sales strategies.

The supervisors and compliance departments of financial institutions refuse and fail to enforce honesty with their staff.

Sophisticated investors getting deceived

2011-05-21T07:07:00.000-07:00

In an email, a major financial institution bragged that they burned a sophisticated investor by concealing information (refusing to disclose) ...

Law enforcement refusing to do their job

2011-05-21T06:35:00.000-07:00

Another case of banks coercion, aggravated menacing, menacing by stalking, and subtle threats, although this one is not so subtle ...

hear a loud impact, door opened ...

... woman calls police ...

police reluctant to protect their citizen because banks bribe their system ...

Visit msnbc.com for breaking news, world news, and news about the economy

Chase was in direct refusal to be interviewed for this.

I am telling you (reader) that the banks sure as hell know if the house is not vacant; they purposely try to inflict fear and terror on their victims by breaking into homes the way they do and by stalking. It was the SECOND time the bank broke into the victim's house.

These people speak my language

2011-05-14T10:07:00.001-07:00

Visit msnbc.com for breaking news, world news, and news about the economy

The text to LeBron

2011-05-13T11:14:00.000-07:00

Chicago Bulls point guard Derrick Rose sent a text message to LeBron James last year when LeBron was goofing around with his free agency.

“I’m just hitting you up to kill all the rumors that I don’t want to play with you,” Rose told Sports Illustrated that he texted to James. “I’d like to play with you. I just want to win.”

http://sports.yahoo.com/nba/news?slug=dw-wetzel_bulls_derrick_rose_lebron_james_heat_eastern_finals051211

This will be an interesting series.

Regulators giving the finger to the law

2011-04-15T09:18:00.001-07:00

Visit msnbc.com for breaking news, world news, and news about the economy

60 Minutes certainly has a clue

2011-04-04T06:49:00.000-07:00

14 largest banks faking it

2011-03-05T07:56:00.000-08:00

Here is the video:

http://www.youtube.com/watch?v=rLg1k4I9fqkhttp://www.youtube.com/watch?v=rLg1k4I9fqk

As you can see from the video, the CEOs, CFOs, COOs, General Counsel, and Chief Auditors for the banks revealed themselves in one person: a woman. She explains their ...
- marketing ------> breathing
- discolsure ------> moaning
- documentation ------> panting
- auditing ------> screaming

... which is exactly what they are doing now to 50 AGs (plus one) regulators, investigators, and the general public. They are classic white-collar criminals who do a good job of faking it. I admit, I fell for it both as an employee and a customer.

Thanks so much,
Jason

Force-placed escrow account fraud

2011-03-02T12:21:00.000-08:00

Just another way they concoct a manipulated contract to steal. So sad. God will repay.

Forced Escrow Accounts Frustrate Homeowners: MyFoxDFW.com

Heartbeat bill urges signature for death

2011-03-01T08:18:00.000-08:00

The so-called “Heartbeat Bill” was introduced in the House in Ohio last month.

I do not endorse it and neither should you. So in response to your inquiry about it, this is my rebuke of the anti-child bill.

It is referred to as HR 125 and is co-sponsored by a bunch of communists and moderate Republicans. The bill has been modified some since the beginning of the year. The bill refers to a person in the womb as a “fetus.” As you are aware, Mary was “with child” when she was pregnant with Jesus Christ in the womb; Mary was not pregnant “with fetus.”

The bill actually comes from a sect of people who are against the extermination of unborn children, but only after a certain age. This same group of people is advocating for more accessibility to and government-sponsored (probably paid too) contraceptives, which contraceptives usually either kill the child or make the mother quite sick. God is obviously against any form of birth control.

Under the definitions section of the bill:

(2) "Fetal heartbeat" means cardiac activity or the steady and repetitive rhythmic contraction of the fetal heart within the gestational sac.
(3) "Fetus" means the human offspring developing during pregnancy from the moment of conception and includes the embryonic stage of development.

The bill does not make it illegal to kill an unborn child after there is a detected heartbeat as evidenced in the language I included below, directly from the bill: D(2) (a) and (b). The bill only requires the killer (physician) to notify the other killer (mother) that there is a heartbeat in the womb and that there is a good chance the woman can carry the pregnancy to full term. The person in the womb is still neglected of rights that you and I have, thus prejudicing the child because of his or her age/position in life/alleged viability.

Here is the language of the bill that most concerns me:

(C)(1) Except when a medical emergency exists that prevents compliance with this division, no person shall perform an abortion on a pregnant woman prior to determining if the fetus the pregnant woman is carrying has a detectible fetal heartbeat.
(2) A person who intends to perform an abortion on a pregnant woman shall determine if there is the presence of a fetal heartbeat of the unborn human individual that the pregnant woman is carrying according to standard medical practice. A person shall comply with division (C)(2) of this section regardless of whether or not the director of health promulgated rules under division (C)(3) of this section.
(3) The director of the department of health may promulgate rules pursuant to section 111.15 of the Revised Code for the appropriate methods of performing an examination for the presence of a fetal heartbeat of an unborn human individual based on standard medical practice.
(4) If a physician performs an abortion on a pregnant woman prior to determining if the fetus the pregnant woman is carrying has a detectible fetal heartbeat, that physician is subject to disciplinary action under division (B)(41) of section 4731.22 of the Revised Code.
(D)(1) Division (D) of this section applies to all abortions that are not prohibited under sections 2919.12, 2919.121, and 2919.151 of the Revised Code, except those abortions that are necessary to save the life of the pregnant woman.
(2) If the person who intends to perform an abortion on a pregnant woman detects a fetal heartbeat in the unborn human individual that the pregnant woman is carrying, no later than twenty-four hours prior to the performance of the intended abortion, both of the following apply:
(a) The person intending to perform the abortion shall inform the pregnant woman in writing that the unborn human individual that the pregnant woman is carrying has a fetal heartbeat and shall inform the pregnant woman, to the best of the person's knowledge, of the statistical probability of bringing the unborn human individual to term based on the gestational age of the unborn human individual possessing a detectible fetal heartbeat. A person shall comply with division (D)(2)(a) of this section regardless of whether or not the director of health promulgated rules under division (D)(3) of this section.
(b) The pregnant woman shall sign a form acknowledging that the pregnant woman has received information from the person intending to perform the abortion that the unborn human individual that the pregnant woman is carrying has a fetal heartbeat and that the pregnant woman is aware of the statistical probability of bringing the unborn human individual that the pregnant woman is carrying to term.
(3) The director of the department of health may define and promulgate by rules adopted pursuant to section 111.15 of the Revised Code and based upon available medical evidence the statistical probability of bringing an unborn human individual to term based on the gestational age of an unborn human individual who possesses a detectible fetal heartbeat.
(4) Division (D) of this section does not repeal any other provision of the Revised Code relating to informed consent for an abortion.
(E)(1) Except as provided in division (E)(2) or (3) of this section, no person shall knowingly perform an abortion on a pregnant woman with the specific intent of causing or abetting the termination of the life of the unborn human individual that the pregnant woman is carrying and whose fetal heartbeat has been detected according to the requirements of division (C) of this section.
(2) A person is not in violation of division (E)(1) of this section if that person performs a medical procedure designed to or intended to prevent the death of a pregnant woman or, in that person's reasonable medical judgment, to preserve the life or health of the pregnant woman.
(3) A person is not in violation of division (E)(1) of this section if that person has performed an examination for the presence of a fetal heartbeat in the fetus utilizing standard medical practice and that examination does not reveal a fetal heartbeat or the person has been informed by a physician who has performed the examination for fetal heartbeat that the examination did not reveal a fetal heartbeat.
(4) Division (E) of this section does not repeal any other provision of the Revised Code that restricts or regulates the performance of an abortion by a particular method or during a particular stage of a pregnancy.
(5) Whoever violates division (E) of this section is guilty of performing an abortion after the detection of a fetal heartbeat, a felony of the fifth degree.

Also bad:
(4) Division (E) of this section does not repeal any other provision of the Revised Code that restricts or regulates the performance of an abortion by a particular method or during a particular stage of a pregnancy.

As for birth control:
(G) Nothing in this section prohibits the sale, use, prescription, or administration of a measure, drug, or chemical designed for contraceptive purposes.

It is certainly a step in a better direction because it brings light to the slaughter of unborn children whom have a heartbeat, but the Bible says, “To do justice and judgment is more acceptable to the LORD than sacrifice.”

We must support the Personhood Amendment, which is actually in the U.S. House right now. It will define a person, which includes unborn children from conception, thus earning them the same rights as me and you. The personhood amendment to the Constitution is already on the federal level, but it is also being pushed on the state levels too. You may recall, we worked on that in Florida, whereby the petition is still being circulated down there.
###

Madoff: Banks were complicit

2011-02-16T07:19:00.000-08:00

Admitted fraudster Bernie Madoff said in an interview with the New York Times that the third-parties with which he did business must have been complicit.

According to the article:
http://finance.yahoo.com/news/In-Prison-Interview-Madoff-nytimes-2066517549.html?x=0&.v=2

“They [FDIC-member banks] had to know,” Mr. Madoff said. “But the attitude was sort of, ‘If you’re doing something wrong, we don’t want to know.’ ”

This fraudster is singing joyful, honest music to my hears. And let this quote settle nicely:

“I’m reading more now about how suspicious they were than I ever realized at the time,” he said with a faint smile.

“I am saying that the banks and funds were complicit in one form or another.”

Readers, it boggles my mind how so many banks can get away with foreclosure fraud, securities fraud, accounting fraud, racketeering influenced crimes, commission churning, variable annuities fraud, and so much more. The courts, prosecutors, and investigators are being used as tools to essentially help fraudsters (banks and their regulators) in complicity.

I argue, if banks were complicit back then, well then they are STILL COMPLICIT NOW. This case is by no means closed. The Madoff case is just beginning!

My free advertisement for the reporter:
Both the interview and the e-mail correspondence were conducted as part of the reporter’s research for a coming book on the Madoff scandal, “The Wizard of Lies: Bernie Madoff and the Death of Trust,” for publication this spring by Times Books, a division of Henry Holt & Company.

Banks want you to commit crimes with them

2011-01-20T08:16:00.000-08:00

Thank you to 4closurefraud.org for featuring my article 1/24/2011:
http://4closurefraud.org/2011/01/24/guest-post-banks-want-you-to-commit-crimes-with-them/

You just found a store that sells the product you have desired for so long, and it is going to cost much less than you anticipated, making it much more affordable.

This store is literally blowing away everybody with their prices, even WalMart. WalMart, because they do such high volume, can negotiate prices for better bargains than smaller stores.

You drive by the store where you purchased the product six months later to find the lights are off. Then, the next day you read an article in the newspaper that the store filed bankruptcy. And three months later, you hear a report through your television that the store owed manufacturers and wholesalers millions of dollars; it seems they were not getting paid. It was also learned the regulators of the product you purchased ignored the notion of actually enforcing their rules and actually investigating the store where you purchased the product you bought and now use.

Many stores work on a "pay-as-you-go" partnership type of plan or a consignment program - if you will - in their agreements with wholesalers, distributors, and manufacturers. In other words, the product will literally sit on the shelf of the retailer for free, whereas the manufacturer or whomever has the relationship with the retailer store will not get paid until the product sells, sometimes the agreement goes past even warranty expirations or other things.

Would you have purchased that product from that store or even done business with them in any way if you knew the store's investors, wholesalers, and manufacturers were not getting paid, and likely being defrauded.

Most FDIC-member banks, especially the very large ones, work through trusts known as Pooling and Servicing Agreements (PSA). Loans are created by originators (banks or mortgage brokerages) oftentimes by loan officers who misrepresents, either verbally or materially, certain terms of the transaction. Regardless, the loan may be consummated, meaning that some kind of transaction occurred. The originator then sells the note and all agreements therewith to a different entity, subsequently the loan is pooled with thousands of other loans. Another bank has been delegated as Trustee to oversee this PSA that has been created, whereby this Trustee has a fiduciary duty to protect the interests of the Trust.

Due to absolute greed, much fraud causes losses in this Trust. The losses get pushed mainly onto the investors who ponied up much of their life savings to make a few dollars interest. True, the borrower of the loan gets defrauded, but the investor takes a nasty hit.

The servicer of said loan sees an opportunity to make more money: Their money comes from the generation of fees.

They use terms like "late fee, force-placed insurance" and other things.

Finally, the fraud causes the investments to be considered non-performing for whatever reason, mostly because entities defaulted in their contracts. They defaulted in their initial contracts to borrowers and investors. So the servicers scramble trying to appease everyone, even the media (the groups they sponsor).

These servicers, who oftentimes have the right in due course to negotiate with the borrowers, try to cover up their fraud.

They use terms like "Modify," "settle," "we will not sue you if you pay us," "we will stop calling your friends and neighbors," all a part of slander and obvious coercion.

The original dollar amount that was owed of course is increased with numbers they completely make up (although they do have a system of how they come up with them) to push their so-called settlement or modification while their investors take the loss. All this time, the manufacturer, wholesaler, or distributor - the investor - is kept in the dark about all the fraud that was committed by the Master Servicer, the Trustee of the PSA, and the Originator of the loan and security instrument.

Most banks in the 21st century are breaking every white-collar law in the books. They are violating the very essence of law. They are stealing from their investors, the government, taxpayers, and even their colleagues; and they want your help. They want you to modify while they lie to their investors about the real problems.

Foreclosure has hit America hard in the 21st century, mostly caused by the regulators of course, but the banks are capitalizing on their negligence and immorality. Banks are trying to get out of the mess they wanted by pushing unnecessary losses onto investors and of course the government that has failed to enforce the people's laws.

(For the record, this process is the same on the investment side, whereby banks or stock brokerage houses originate investment portfolios for their clients. The investment portfolios are filled with mutual funds, individual stocks, individual bonds, annuities, and other things. So-called financial advisors typically lie to clients to invest their money in the various investment vehicles, whereas the companies that actually manage the money (money managers, mutual fund companies, life insurance companies) do not usually care about suitability or the marketing tactics of the originator.)

Go to your local pawn shop. What are you going to find there: probably many hot items. Go to your local auction, you'll find the same things. Go to an auction for houses, cars, boats, anything that involved a bank, you'll find more stolen items: You might even find products you saw at the store where you bought the product you previously so desired to have for a cheap price.

And how do we know they are defrauding the investors? Simply review what the banks are reporting to each other in the sales of their loans and their tax reporting: Nothing matches.

Are you sure you want to buy that product, knowing now that it is essentially stolen goods?

Most jurisdictions consider a person who is "of knowledge" to be complicit and just as guilty.
###

Whistle-blower (me) explaining banks' fraud

2011-01-12T07:45:00.000-08:00

More in-depth explanation with Exhibits:

WARNING:
This video is by a Christian who does not care about "winning friends and influencing people," but rather that justice would be won in America. America must repent now.

DISCLOSURE:
Banks use fraud to commit many crimes, crimes by violating local laws, state laws, federal laws: They simply do not respect the wishes of others. I explain what I explain in the videos, whereas my knowledge is only so deep; there is so much more out there that I do not even know about, so pardon my lack of exposing not only all of what I saw and see, but my negligence to even touch on all the types of fraud the banks operate that I do not know about. In a nutshell (I hate that phrase, but I understand it's a common one being used now), most FDIC-member banks' business is racketeer influence - what I mean by that is that they have no business, no mission, and no real motive to offer anything of sustained value to the public, investors, customers, and ultimately stakeholders because they operate corrupt organizations.

Thank you. May God bless.

The following is not my video, but it is an inspiration, in that, there are other people who expose fraud in different capacities, and have been attacked like me and my family for honesty.

Banks hiding their defaults with Fed's help

2011-01-06T13:00:00.000-08:00

The Federal Reserve Board has proposed rule changes to Regulation Z, specifically related to foreclosure loans.

One of my senators, Sherrod Brown (OH-D) wrote: “In this time of record foreclosures and reports of systemic problems with the operations of the largest mortgage servicers, the proposed revisions are unfortunate and unnecessary,” Brown wrote. “The mortgage market needs greater oversight and accountability to restore borrower confidence lost during the mortgage crisis. The proposed rules would undermine this goal. The Board’s proposal would tilt the balance in favor of creditors who have failed to comply with TILA’s disclosure requirements.”

Banks have been giving the finger (the middle one) to nearly any law that does not help their ability to abuse justice every way possible. The Federal Reserve Board, understanding that their crooked banks are nearly always in default of their contracts, is further trying to gain leverage upon other parties involved in alleged non-performing loans. In essence, the Federal Reserve is saying, "Yeah, we know we screwed up, which is why the loan is in foreclosure, whereas the banks are in default, but we are not only going to continue to blame the other parties involved in the contract, but we want to strip any possibility for the borrower to have any kind of relief; we want the house and everything the borrower will ever have because we are god and can do no wrong."

Not speaking as an expert, but the way rescission works in this particular case, the loan must be rescinded by the "borrower," then the bank must release the security instrument (mortgage) and notify the debtor of the dollar amount of the original loan amount minus payments, fees, and other things. The borrower is then given a certain amount of time to give the original loaned money - minus the payments, fees, and things - or simply deed the house to the bank. This can only be done if the bank violated Truth in Lending Act (TILA) law, failed to disclose things: All of which are obvious defaults by the bank and conspicuous fraud by the bank. This can only be done in the first three years after the alleged origination date of the loan.

Rescission is self-enforced. Sometimes there is a need for judicial review, but judges are usually on the side of the banks anyway.

I have personal knowledge and personal experience that banks truly do not want money, nor do they care about the law, of course. For example, I rescinded on a loan that a bank defaulted on (technically the loan was in default before it was even commenced), whereas the entity completely ignored the tender for months to close the deal and cure their violations of federal law. This was a loan that was in a foreclosure lawsuit with absolutely no relief acknowledged by the entity. The rescission matter was only made known to me by an expert auditor who investigated the loan documents, the entire process, the entity's servicing, and the entity's overall performance. And in litigation, it was learned that nearly all banks reject tender.

Senator Sherrod Brown, along with six other senators, sent a letter to the Federal Reserve Board, 1/3/2011:

January 3, 2011

Jennifer J. Johnson
Secretary
Board of Governors of the Federal Reserve System
20th Street and Constitution Avenue, N.W.
Washington, D.C. 20551

Re: FRB Docket No. R-1390

Dear Members of the Board of Governors:

We write today as members of the Senate Committee on Banking, Housing, and Urban Affairs, to express our concerns regarding proposed changes to Regulation Z implementing the Truth in Lending Act (TILA) that would erode important borrower protections that have been in place since TILA was enacted 42 years ago.

The extended right of rescission has been an important home-saving legal tool protecting borrowers against predatory loans. A borrower has traditionally had the right to rescind a loan agreement that does not comply with TILA’s disclosure requirements within three years of the agreement. The statute and its implementing regulations have long been interpreted to require a creditor to cancel its security interest after receiving notice from a homeowner. The agreement is then rescinded.

The Board’s proposed rule would reverse the traditional understanding of TILA’s right of rescission by requiring a homeowner to pay off the entire mortgage amount before a creditor is required to cancel its security interest in the home. Requiring a borrower to repay the entire mortgage would render this important borrower right inaccessible to all but the wealthiest homeowners.

The Board has said that it “believes this adjustment would facilitate compliance with TILA.” We disagree. The existing order of events creates a balance between the consumer and the lender. The Board’s proposal would tilt the balance in favor of creditors who have failed to comply with TILA’s disclosure requirements.

In this time of record foreclosures and reports of systemic problems with the operations of the largest mortgage servicers, the proposed revisions are unfortunate and unnecessary. The mortgage market needs greater oversight and accountability to restore borrower confidence lost in the mortgage crisis. The proposed rules would undermine this goal. We urge the Board to reconsider its proposed revisions to Regulation Z.

Thank you for considering our views on this important matter.

Sincerely,

Sherrod Brown Christopher Dodd
United States Senator United States Senator

Jack Reed Daniel Akaka
United States Senator United States Senator

Jeff Merkley Tim Johnson
United States Senator United States Senator

###

Courts helping banks commit fraud

2011-01-05T15:32:00.000-08:00

Great video. First class. Somebody is certainly paying attention.

RICO finally catching on

2011-01-04T15:58:00.000-08:00

Thank you to msfraud.org for publishing my article:
http://msfraud.org/rico-is-finally-catching-on.html

Massive pits of fraud line the offices of arguably all debt collectors and their friends, as well as most FDIC-member banks of course.

I have referred to most bank branches as RICO facilities, similar to "churches" because most banks do not operate any real kind of business. They operate a corrupt enterprise with a mission to abuse people, which of course is very similar to the actions performed by collections agents otherwise known as debt collectors.

I worked in financial services, whereby I was mostly blinded to all the fake business the banks (my former employers) play. And they do play; it really is a game to them. Most financial services institutions in America literally live, eat, and breath criminal deception: Fraud. They lie, lie, lie. They have no regard or respect for the law or mankind, and especially not God (Jesus Christ).

You will see a conspicuous difference between clean and honest banks (not many left these days) along with most credit unions, compared with most FDIC-member banks (there are few exceptions). The big fraud players include, but is certainly not limited to Citi, Wells Fargo, US Bank (one of my former employers), Bank of America, PNC, SunTrust, Regions, Key, Charter One (RBS). And arguably all debt collectors are arguably worse.

Here is a great article:

http://www.dailyfinance.com/story/real-estate/a-lawsuit-that-dirty-debt-collectors-should-worry-about/19786054/?icid=sphere_copyright

The author wrote about what the plaintiffs argued the debt collectors were doing in their claim:
* Buy debt with little documentation that the debt is accurate.
* File lawsuits claiming personal knowledge of the debt but using robo-signed affidavits instead.
* Deliberately fail to tell the "debtor" that the lawsuit is pending (a practice called "sewer service").
* Get a "default" judgment against the debtor when she fails to show up in court to defend herself.
* Enforce the judgment, including by freezing the debtor's bank account.

The author of the article explained how a federal judge agreed that there was sufficient evidence for the plaintiffs class-action claim against a debt collector for Racketeer Influenced and Corrupt Organization (RICO).

Interesting though, if this judge believes that the debt collector defendants in the class-action lawsuit were indeed not actually operating a real business - which of course is a fact regardless of what the judge says - then this judge is compelled to believe that the Federal Deposit Insurance Act itself is being used to commit RICO crimes by nearly all FDIC-member banks, starting with the largest banks of course. I, personally, have made the exact argument about the fraudster, crooked, RICO banks when they were filing fraudulent lawsuits against me, whereas I was run out of court (municipal and federal) by the judges with orders to leave and even an MOU; they thought I was crazy.

But they're finally getting it. And it seems the judges are finally either throwing the bribes back at the crooked debt collector attorneys or maybe the debt collector attorneys merely do not have enough cash, sex, or drugs with which to bribe the judges.

Freed, at last - but what really happened

2010-12-30T06:36:00.000-08:00

Sisters in Mississippi were freed.

They were convicted of stealing $11 in 1994.

Here is a mainstream article about the matter:

http://news.yahoo.com/s/ap/20101230/ap_on_re_us/us_sisters_pardon_kidney

But here is what really happened.

A woman named Nancy Lockhart organized a group on facebook.

http://www.facebook.com/#!/group.php?gid=37635066437 http://www.facebook.com/#!/group.php?gid=37635066437

We petitioned the governor and attorney general this summer. The AG got mad at us and fought back, making threats. One of the Scott sisters got very sick while in prison, so we called his office some more, and more, and more.

Most importantly, we prayed to the Lord Jesus Christ. I believe He had much to do with it. I do not know exactly how or why, but it is a miracle.

Just check the facebook group.

One thing is for certain, the Sisters are already suffering from posttraumatic stress disorder.

Most banks are like Enron on crack

2010-12-29T07:48:00.000-08:00

Thank you to 4closurefraud.org for featuring my article 1/6/2011: http://4closurefraud.org/2011/01/06/guest-post-most-banks-are-like-enron-on-crack/

Recent depositions have been helping eyes be opened to outright foreclosure fraud.

Most experts and people who pay attention (certain victims, some attorneys, some legislators, and a few judges) have known about the obvious foreclosure fraud by banks, but many more people are realizing the fraud by the banks and it is becoming more evident the banks are barely even practicing a real business; most FDIC-member banks and credit unions are flooded in deception, concealing documents, and just hiding.

One thing I have always questioned was their "numbers," and how they came up with them. Look, I worked in the industry, so I saw numbers all day.

Summon Enron: What did Enron do and what made their fake business so suspicious?

Enron showed and disclosed to investors and the public a huge profit with high revenue. Oddly though, their cash flow was awkwardly low considering they were making so much money and ultimately such high profit.

Most banks are doing the same thing - with the obvious difference that they are getting nearly free money created through thin air to lend.

Most of the banks, on their lending side, use smoke and mirrors to hide their fraud through a company called Mortgage Electronic Registration System (MERS) and/or operate through established trusts called Pooling and Servicing Agreements (PSAs) for their loans from Real Estate Mortgage Investment Trusts (REMIC) pursuant to money they launder mostly from government-sponsored enterprises (GSEs) and the Federal Reserve System.

A big lie I've recently noticed is their fraudulent assignments with regard to financial reporting. Sure, most people know about how the banks fraudulently assign notes, but there is an aspect that is critical to understand here, that is being missed by most people, including experts. Banks are highly likely violating Internal Revenue Code Section 860, Subsection A through C, which has deals with deficiencies. In court, for example, banks are claiming that they transferred a note on one day, yet the information on file back at their corporate offices and even in court sometimes shows that the note was transferred or assigned to a different company on a different day. This all causes problems in tax reporting. How do we know they are being honest. Well, it is obvious they are not honest about it considering the documents do not match. And there is a clear reason for that. And when they do indeed sell a note (any kind of loan obligation), how do we know they are reporting that as revenue, especially considering their cash flow is so warped?

Another example is overdraft fees.

This is definitely an area where banks twist numbers and manipulate. I know because I worked in the industry; I argued for the bank against customers regarding overdraft fees; and I reviewed branches fees. Listen, a bank will report fees of a certain amount of dollars. They oftentimes refund fees. But they can report all of that differently or simply classify it as general administrative expenses, whereas the bank merely gave a customer money, when in reality the bank may have made a real error or simply charged the overdraft fees fraudulently in the prelude. Those fees would not have been given back to the customers if they were not charged fraudulently or in error in the prelude. True, the fees are small, but they do accumulate. Banks can bounce fees any way they want to manipulate numbers and screw the Internal Revenue Service or the government.

Banks must meet certain requirements just to stay in business, for example, or to qualify for a certain government program or even to obtain credit from a certain central bank. They need to show a certain amount of cash on hand. How do they manipulate this? One of the common practices I saw at a bank here in Cleveland was a bank floating customer's escrow accounts in the deposits category to make it look like they were actually stronger than they were, and this is actually an admitted operation of business by Wells Fargo (WF), for example.

There are mortgage brokerages and stock brokerages out there, which are different. Those kinds of companies are completely different because they can only show what their real revenue is because they usually only make money one way: Commission from sales generated by fees to either the client or the third-party with which they are doing business. Quicken Loans is a large company, not necessarily acting like a bank and not a bank, but they do business like this. On the investment side, Edward Jones is a good example. These company cannot commit fraud in the same manner as the banks per their different systems.

Ask any convicted felon of federal crimes. Sam Antar is a good example, whereas he explains how he cooked the books when he was an executive at Crazy Eddie's. I liken his situation to Enron and the banks, only Enron was on drugs, and most FDIC-member banks are on hard-core crack.

The banks (common examples include Chase, Bank of America, Wells Fargo, Citi) show and literally disclose huge profits and high revenue, but their cash flow is strangely indifferent and low for a company with a market cap like a bank. True, a company could make a ton of money with high profits without showing cash flow, but how is it possible in the business of servicing in financials (mainly a fee-based business for their profit).

That leads into what I have been learning and finally accepting. Most banks are not in business, period. Most of them are merely caught in a system of corruption and abuse to steal from anyone possible, including their customers, investors, the government.

Look at a more honest bank like Third Federal Savings & Loan (TFSL). Their market cap, obviously much lower than the too-big-to-fail thugs, is $2.67 billion. Their profit margin is only 6.29% with an operating margin of 23%. Their cash flow is $116.52 million. These guys are obviously hurting financilly right now, but they are certainly not cooking the books. Outrageously high rofit, indeed, but that is common in the financials industry because they are not selling any physical products, but those numbers are not cooked. They do not steal many houses, if any. And I know for a fact they do not change their name every few months, they do not hide in PSAs and MERS; the retain at the very minimum all their own paper. And this bank is so conservative - thank God - they do not even do variable rate annuities. Then, evaluate a non-FDIC-member credit union: Their numbers are even cleaner.

Aside from all the state laws the banks violate, the federal laws they violate, the myriad contracts on which they default, and their outright refusal to respect any law, regulation, or code of ethics, they typically always cook the books in violation of Internal Revenue Code Section 860, Subsection A through C, just like Enron.

But their love for crack makes them worse than Enron. They steal, steal, steal, and they are flooded with so much fraud. Why does Third Federal, for example, have the least amount of robberies in their geographical region? Duh, they simple do not attract criminals in their line of business because they have a real business.

Picture the profile of a thief.

What do you picture.

They are deceitfully quiet.

They are quick.

They do their crime at night (the Bible says the thief comes to steal at night)

They are sneaky.

They are always changing.

They change their names (often referred to as a.k.a. or f.k.a.)

(banks often, almost always change their names, especially in court; they do not want you to know who they are for a few reasons namely because they want to prevent themselves from being sued on the civil side and prosecuted on the criminal side.)

They are unstable (the Bible says a double-minded man is unstable in all his ways)

O, and there's more to that profile, but that is a fair, general description.

So I described the bank down the street from you. They are not in business. They are merely goofing off like a bunch of gang members looking to cause fights while showing and acting like they are operating some kind of business. Of course, that business is disguised in so many different ways. Most FDIC-member banks operate to abuse, harass, intimidate, and control; they do not care about actual business.

I, Jason Werner, worked in that crooked banking industry. I smelled the fraud all day. It was disgusting. I thought I could be a good influence on their evil banking practices, but learned you cannot negotiate with terrorists and criminals. And I did business with those evil banks, but thank God got away from them. I urge everyone to simply depart from iniquity; you cannot change them or reform the system, even God cannot because those banks have no desire to repent.

Bible Study about Your Hands

2010-12-22T06:23:00.001-08:00

So you think you are a good person?

You think you are doing good works?

Do you have enemies?

Do you have struggles with addictions?

Psalm 7:1
O LORD my God, in thee do I put my trust: save me from all them that persecute me: and deliver me:

(An aside for unbelievers and couragement for believers of Christ):
Your biggest persecutor is the devil and your flesh fighting against you. Your biggest Advocate is the Lord Jesus Christ, even if you are not a Christian, which is technically contrary to what most alleged churches teach.

1John 2:1-2
My little children, these things I write unto you that ye sin not. And if any man sin, we have an Advocate with the Father, Jesus Christ the righteous.
And He is the propitiation for our sins: and not for ours only, but also for the sins of the whole world.

You must trust in Christ; He has favor on you; He died for you.

Psalm 7:2
Lest he tear my soul like a lion rending it in pieces, while there is none to deliver.

The writer continues in the chapter with a broken and contrite heart knowing that if there be "iniquity in his hands," then the enemy is arguably justified in persecuting you, which ultimate and end punishment will be hell. Repent; Live for Jesus Christ now.

James 4:8
Draw nigh to God and He will draw nigh to you. Cleanse your hands, ye sinners; and purify your hearts, ye double minded.

You must trust your life in what Christ did for you on the cross. Your own good works are not good enough to appease God the Father, especially when God the Son is already the propitiation for your sins as it is.

Psalm 24:4-6
He that hath clean hands, and a pure heart; who hath not lift up his soul unto vanity, not sworn deceitfully.
He shall receive the blessings from the LORD, and righteousness from the God of his salvation.
This is the generation of them that seek him, that seek thy face, O Jacob. Selah.

But you have enemies, right? Correct, and you will continue to be persecuted.

Psalm 37:32
The wicked watcheth the righteous, and seeketh to slay him.

Psalm 37:40
And the LORD shall help them, and deliver them: he shall deliver them from the wicked, and save them, because they trust in him.

Proverbs 21:18
The wicked shall be a ransom for the righteous, and the transgressor for the upright.

Personally, I find the history of Saul and David quite interesting. Saul was a king. David was going to be the next king because he killed Goliath; Saul was basically jealous. It is very interesting how David worked with Saul. Saul, the wicked one, wanted David, so David made himself available for Saul; this was God literally delivering the wicked to the righteous. Saul became "a ransom for the righteous" David. Saul ended his own life in his pursuit to kill David.

So God will literally bring the wicked to you; don't be surprised. Let the Lord Jesus Christ deal with them. And be sure your hands are clean.

Psalm 37:12-13
The wicked plotteth against the just, and gnasheth upon him with his teeth:
The Lord shall laugh at him, for He seeth that his day is coming.

Give your addiction (fornication, drugs, lying, idolatry, whatever) to the Lord Jesus Christ. The world, the devil, and your flesh do not want you to be in love with God the Father, God the Son, and the Holy Ghost.

Psalm 47:1
O clap your hands all ye people; shout to God with the voice of triumph.

He's a Mormon, not a Christian

2010-12-10T12:10:00.000-08:00

The Church of Ladder Day Saints of Jesus Christ is one of the fastest growing cults in the world, arguably second to Islam as a whole.

Brian David Mitchell was convicted of kidnapping victim Elizabeth Smart, appropriately in Utah (most American Mormons live in Utah) today.

Here is a good article about it:
http://news.yahoo.com/s/ap/20101210/ap_on_re_us/us_elizabeth_smart

It is imperative to know what the freak and predator, Mitchell, believes. It is reported that he is a Christian and even a street preacher. Fact, he does not call himself a Christian or a preacher; he calls himself a prophet: He even named himself "Immanuel David Isaiah I & II." And he is a Mormon. Not only is he a freak and predator, but he is a dangerous criminal under a dangerous cult, who used his religious "beliefs" as leverage to try to make excuses for his abuse of women and his repugnant wicked actions, which actions are typical of unrepentant people in general.

I hope this is a wake up call to everyone to see exactly how evil Mormonism is. For crying out loud, the guy was singing Christmas hymns in court according to some reports. He actually told judges to repent, which was strong though, but even a broken clock is correct twice a day.

Catholicism, for example, has some dangerous aspects to it, but it also has some very good points of being quite supportive of marriage, in that, the sect is against divorce and even against birth control (idolatry). Catholicism has some severe witchcraft though that can be dangerous, nothing like the cults of the Mormons and Jehovah's Witnesses.

There are extremes within Protestants as well, but for the most part the Baptists' and Pentecostals' doctrine are orthodox. Evangelicals can trust these groups because of their fruits, their love for family, and act of sanity. There were arguments that Mitchell was insane or incompetent, which are without merit because such a claim would turn him into a near blob of tissue. The guy is a freak, plain and simple. I've played pick-up basketball games with freaks, they're out there, and more common than people think. There are freak congressmen and senators out there too, seriously, literally; just because they wear a suit does not make them "normal" - whatever normal would be to the viewer. Mitchell is living in a world of protesting authentic believers of Christ, and he is certainly being attacked by the devil and his flesh too, whereas he can certainly make decisions for himself and knows exactly what he is doing. The guy went after women the same way many guys go after women at bars and clubs, only Mitchell does it a different way, and uses his alleged religion as the excuse for his crimes.

"Christianity" has many divisions, most not condoning of actors like Mitchell. Most divisions condone other types of sin; the Mormons are among the worst in their freakish nature. The Amish, for example, do not believe they can have a personal relationship with God, whereas they are simply not able to do such a thing in their opinion, which is obviously a big miss on the point of the cross and what Christ did; but they're not freaks although they have awkward tendencies. Most Amish though are not criminals; their overall spirit is not such that they want to destroy.

Islam is supposedly a religion of peace. Well, it is - for the most part. But there are some nasty, violent sects within Islam. Obviously Muslims cannot get to heaven because they deny Christ as Lord and Savior. There are some extremely dangerous sects within Islam: Absolute terrorists. They must be brought to justice.

Brian David Michell, just look at his picture. The person needs help. He needs our prayers, certainly. He must be taken out of society for a little while, whereas the jury did the right thing, as well as the federal government.

Nobody should be deceived by Mitchell. God reveals a man with his face. If that is not enough, evaluate his fruits: He believes he can have seven wives at once, and beat them - the high majority of logical people do not agree with this act and type of control, which type of control is common in Mormonism: Speaking of control.

They use deceitful tactics to recruit victims into their cult; it is all centered around control.

Famous Mormons (beware):
Glenn Beck (but not extreme)
Philadelphia Eagles head coach Andy Reid
Former 49ers QB Steve Young
Sports Anchor Ira Cronin
Producer Gary Kurtz
Wally Joyner
Jeff Kent
Kyle Farnsworth
Shawn Estes
Mike Fetters
Jim Gott
Roy Halladay
Senator Bob Bennett
Senator Mike Crapo
Governor Mitt Romney
Sean Salisbury
Danny Ainge
Shawn Bradley
Tom Chambers
? Tom Hanks, Jewel, Larry King, Steve Martin, Roseanne ?
Investment Adviser Robert Allen
Gary Crittenden
Stephen Covey
Richard Marriott

Sounds like most American banks

2010-12-07T14:47:00.001-08:00

Seriously, this is a press release by the Federal Bureau of Investigation (FBI), whereas the FBI is reporting of a crime that is happening, which crime is nearly identical to the crimes being committed by most banks.

It boggles my mind how the FBI would get involved in a matter like this, yet completely ignore and in most cases sponsor the fraud by banks in matters of most loans, especially foreclosure. And I know for a fact that Wells Fargo and US Bank employ the same practices with their payday lending ponzi scheme as described in FBI's press release.

Anybody ever been threatened by a third-party regarding an alleged loan? Check my youtube channel for my personal recorded conversations.

Anybody been coerced into signing a document stating that a loan would be modified, yet the bank still moved forward with their fraudulent lawsuit? FBI refers to that as extortion in the press release below.

Anybody been told that someone would be arrested or that a government official was calling you when in fact it was a third-party calling for the fraudster bank? FBI refers to that as extortion.

(All of those of course are violations of Fair Debt Collection Practices Act and actual crimes of course, yet of course most judges do not care.)

Well, at least now the FBI is able to at least call a crime a crime, yet they have not yet pointed the finger at and prosecuted the thug banks like Chase, Bank of America, Citi, just to name a few.

Here is their press release:
http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

Extortion Scam Related to Delinquent Payday Loans
Washington, D.C. December 07, 2010

* FBI National Press Office (202) 324-3691

— filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller’s instructions. Rather, you should:

* Notify your banking institutions.
* Contact the three major credit bureaus and request an alert be put on your file.
* Contact your local law enforcement agencies if you feel you are in immediate danger.
* File a complaint at www.IC3.gov.

Tips to avoid becoming a victim of this scam:

* Never give your Social Security number—or personal information of any kind—over the telephone or online unless you initiate the contact.
* Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
* Avoid filling out forms in e-mail messages that request personal information.
* Ensure that your browser is up-to-date and security patches have been applied.
* Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
* When you contact companies, use numbers provided on the back of cards or statements

Chase Bank "complicit" in Madoff fraud says US Trustee

2010-12-03T06:14:00.000-08:00

The Trustee over Madoff's estate for the United States, in the case to continue obtaining restitution for his victims, filed a lawsuit against JP Morgan Chase for $6.4 billion.

Alleged in the lawsuit is: "While many financial institutions enabled Madoff's fraud, JPMorgan was at the very center of that fraud, and thoroughly complicit in it,"

This is the second large lawsuit the Trustee filed on behalf of the estate. The other big one was against UBS for fraud as well.

Here is a good article about the lawsuit:
http://news.yahoo.com/s/nm/20101202/us_nm/us_madoff_jpmorgan

Cavs investigating LeBron's "plan"

2010-12-01T17:05:00.001-08:00

Of course it is announced the day before.

Here is the article:
http://sports.yahoo.com/nba/news?slug=aw-gilbertlebron120110

A player for the Heat "bumps" his coach

2010-11-29T13:38:00.000-08:00

But what is interesting though is the subtle hand shove/push after he walked by his coach.

CitiMortgage's glaring crime

2010-11-26T14:13:00.000-08:00

Ever wonder where those "trial" [racketeering] payments go?

Here you go ...

A family with an autistic daughter and a father with alzheimer's are now homeless due to state-sponsored fraud.

“Citibank gave them a HAMP loan modification and took it away from them – because the house is worth more than the loan, so Citi will financially benefit from foreclosure”

According to the San Francisco Chronicle:

They made 11 trial payments on time, sent in paperwork as requested and stayed in close touch with Citi. So it came as a rude shock when they received the foreclosure notice on the San Rafael home they’ve owned for 15 years.

“We were so sure we could keep it and that they were really working with us, I just feel blindsided,” Susan Gerke said.

Here is the article:
http://www.sfgate.com/cgi-bin/article.cgi?f=%2Fc%2Fa%2F2010%2F11%2F24%2FBUD61GGJ2I.DTL

Introducing 'Good Fellas Bank'

2010-11-26T06:51:00.000-08:00

A friend of mine recently sat me down and explained a movie called Good Fella's. He likened it to what the banks are doing to Americans, obviously he has seen what the banks have been trying to do to me, which is the same exact thing they are doing to all their customers (they target all their customers differently of course).

The gangster crooks in the movie Good Fella's evidently used much coercion, physical threats, and hints of what they would do to get what they wanted. I never saw the mmovie, so I am merely speaking of what I learned of it from someone else. The gangsters (most FDIC-member banks) are in bed with everybody who matters, they have paid off nearly everyone including law enforcement, judges, and anyone who matters in their ponzi scheme, just like the gangsters in the movie Good Fellas.

They obtain something fraudulently (a loan in deception to the borrower - which money they obtain fromthe government - or sell an investment product with little or no disclosure) like a restaurant by hijacking it, then flip their fraud by closing on it (filing a fraudulent foreclosure or driving down the stock price or mutual fund price of a stock or even selling unsuitable investments); it's all over the place and it is all centered around racketeering and money-laundering. The customers are certainly victims, but the most direct and bigger victim is the federal government (ultimately the taxpayer).

Liken what they did in the movie to most FDIC-member banks. (FYI, there is a big difference between FDIC-member banks and credit unions).

Banks default on nearly all loans, for example, yet there are remedies for that, however they do not want their victim to have rights, so they ignore the remedies.

Their defaults.

1. Incorrectly changing the rate

2. Adjusting the rate when it was agreed to be "fixed"

3. Arguing the borrower did not pay their insurance

4. Force-placed insurance, which new insurance will be, for example, about $3,000 a year instead of $400 a year, which increases the payment

5. Ignoring rescission

6. Ignoring and/or failing to disclose at original closing

7. Truth In Lending Act violations, RESPA violations

8. No applied payment, violation of Fair Billing Act

9. Negative reporting to credit bureaus (violation of FCRA) by "accident"

10. Simply changing numbers

11. I worked at a place called Ohio Savings Bank one time. I noticed the Bank calculated payment upon new escrow analysis that they were calculating payments by dividing by 360 instead of 365, which might only be a few dollars' difference, but it's a crime. Nobody listened to me. An attorney did question them about it, but I think the attorney was paid off to shut up.

12. Failure by servicer to pay taxes if there is an attached escrow account; servicer can hold the escrow to collect their own interest and even show the money in their deposits category.

These are all internal mechanisms of their crimes, whereas there are other venues they use to steal anything they can.

But their own defaults are disguised in their massive campaign of defrauding justice, whereas they mask everything in, "We're trying to help the borrower with his financial difficulties; we are the ones who know how to help."

Their fraud in the closure of their fraudulent contracts:

1. Work in a court that has jurisdiction to get default judgment.

2. If the borrower responds, then move to obtain summary judgment as quickly as possible (thieves move quickly), ignoring a trial of fact by jury.

3. If borrower resists the bank's actions, then act like they can fix the problems by "modifying the contract," but make it a lose-lose for the other parties involved.

4. They hire contract killers to pester the other parties (victims)

5. Lies to the court with fake evidence, fake witnesses through affidavits (they can hide through paper), purposely incorrect pleadings, refer to their crimes of perjury as "irregularities."

6. Change names, never disclose, use the word "voluminous" in discovery to hide from it.

7. Change names again.

Finally, they have the whole thing insured just like the movie! They have nothing to lose, not only because they've paid everybody off, but because they literally have everything insured.

They burn down their fraud and file their insurance claim. Case closed, so long as investigators and all law enforcement continues to accept their bribes.

It is imperative to note that the banks' defaults cannot be cured because of their crime. Their defaults are all, all, all purposeful.

They use their defaults to provoke the other main party, the borrower. They then try to capitalize on that with their fraudulent foreclosure.

This whole process occurs in the same manner on the investment side with FINRA.

Smoke, mirrors, intimidation, slander, and guns dominate their scheme. These criminals have tunnel vision; they do not care about the consequences of their crimes.

'Good Fellas Bank' is located in nearly every municipality in the USA.

Deposition of Loan Auditor

2010-11-22T16:04:00.000-08:00

Lane Houk, a forensic loan auditor, was deposed by a crook bank in New York involving a foreclosure matter. He was representing the defendant.

It's interesting, the attorney for the crook bank worked so hard to diminish Mr. Houk's credibility early in the deposition, but later he himself began to break down. The attorney did not even know how badly his client was lying. The attorney, seemingly, later learned his client definitely was committing crimes, which seemed to bother the attorney.

The deposition shows how much of a political battle is going on right now in America. Banks are doing all they can to argue they are trying to help the deadbeat, loser borrower make payments and find ways for the pathetic borrower to manage their finances better, when in actuality the bank is the one that is beyond insolvent and poor at managing money, but also extremely fraudulent.

Page 14
Q: "When do these people do you find they come to you when they are in financial trouble or why do they approach you for your services?"

A: "I can't speak as to why they approach me necessarily."

Q: "I understand, it's in the past from your personal experience why have they?"

A: "Honestly, I get clients that come to me who are not in distress and feel like something happened in their loan that was not right and they are looking for somebody who, who has the ability to audit their loan for issues they might suspect are present."

That whole little exchange was provoked by the attorney because the banks have played the common card that the borrower is in distress, so the bank is simply trying to work on home preservation; this tactic is used to skip past discovery, act like all the problems were the fault of the borrower, and the bank is essentially god.

Page 29
Lane Houk explains fraud.

Page 31
Lane simply refers to the fraudulent document that Plaintiff filed in their alleged assignment.

Page 32
Lane reads the fraud directly to the attorney. The attorney seems to get nervous, thinking this Lane fellow might actually know his stuff and his client may have done something incorrectly.

Page 34 and 35
The attorney is asking Lane to spoon-feed him because he is learning his client is committing fraud.

Page 41
The attorney is learning his client is committing many crimes.

Page 47
Lane affirms the Plaintiff's fraud on the court.

Here is the deposition:
http://thepatriotswar.com/wp-content/uploads/Deposition_Lane-Houk_Expert-Witness_Deutsche-Bank-v-Dennis.pdf

Disclosure:
Lane Houk audited one of my files.

MSNBC's good video about the banks' fraud

2010-11-22T06:10:00.000-08:00

The Bias of Affidavit Scrutiny

2010-11-20T18:06:00.000-08:00

Fraudulent affidavits by banks in their fraudulent foreclosure lawsuits and other lawsuits by banks throughout America have been scrutinized and questioned, but are now finally being criminally investigated.

Banks are using their attorneys to draft affidavits with information that they know a judge will either ignore reading all-together or merely be enough information to skip past any kind of serious review or cross-examination; in most cases the affiant is not even allowed to be cross-examined. Isn't it interesting though that a judge in Cuyahoga County (Cleveland, Ohio) is requesting words in an affidavit to be changed to be more suitable for an extermination center that is being sued by a loving, elderly man who works tirelessly to save children from death.

Ronald Suster, judge on the case, CV-10-720664, does not like some of the words that are being used by the pro-life plaintiff.

He does not like the person in the womb being referred to as a person. He does not like the word "extermination" being used in the affidavit by the pro-life plaintiff in his personal knowledge to describe what he believes is happening at Pre Term Women's Clinic.

Yet this same judge, like nearly most judges for the past few years, have completely ignored the affidavits by banks in fraudulent foreclosure lawsuit, which affidavits are now proving to be signed by people who truly have no knowledge of the defendant's alleged loan with their alleged bank.

Affidavits are rocketing through with phrases like, "Borrower has failed to make payment" when in reality the bank (servicer) does not even want payments anyway; "The borrower's rate on the loan is 9.45%" when the truth is that the real rate on the provided exhibit is more like 6%; the bank has been painfully ripped off to the tune of $153,451.99 plus interest" when the truth is that the loan amount had never been anywhere near that dollar amount presented to the court; and most importantly this document is signed by a person referred to as "VICE PRESIDENT," yet this same person is supposedly vice president for about 20 other banks all at the same time and this person claims to have knowledge of this specific matter while signing about 4,999 other affidavits per day.

Here is some of the docket for the Pre Term [extermination death center] case:

CV-10-720664

11/17/2010 D1 BR DEFENDANT(S) PRETERM WOMEN'S CLINIC(D1) and GREGORY DRAHEIM(D2) BRIEF IN OPPOSITION TO PTLFS. MOTION FOR LEAVE. KAREN ROSS 0074173
11/15/2010 D OT DEFENDANT(S) PRETERM WOMEN'S CLINIC(D1) and GREGORY DRAHEIM(D2) REPLY IN SUPPORT OF MOTION TO STRIKE "AFFIDAVITS" ATTACHED TO PLTF'S RESPONSE TO PRETER'S MOTION FOR SUMMARY JUDGMENT. KAREN ROSS 0074173
11/15/2010 D MO DEFENDANT(S) PRETERM WOMEN'S CLINIC(D1) and GREGORY DRAHEIM(D2) MOTION FOR LEAVE TO FILE REPLY IN SUPPORT OF MOTION TO STRIKE "AFFIDAVITS" ATTACHED TO PLTFS RESPONSE TO PRETERMS MOTION FOR SUMMMARY JUDGEMENT KAREN ROSS 0074173
11/12/2010 P1 MO P1 ERNEST BANAR MOTION FOR LEAVE TO FILE RESPONSE TO DEFT'S REPLY IN SUPPORT OF SUMMARY JUDGMENT ROBERT TROLL LYNCH 0039944
11/12/2010 D OT DEFENDANT(S) PRETERM WOMEN'S CLINIC(D1) and GREGORY DRAHEIM(D2) RESPONSE TO PLTF'S MOTION FOR PRODUCTION OF DOCUMENTS...... KAREN ROSS 0074173
11/10/2010 P1 BR P1 ERNEST BANAR BRIEF IN OPP TO DEFTS MOTION TO STRIKE AFFIDAVIT LANGUAGE. ROBERT TROLL LYNCH 0039944
11/09/2010 P1 MO P1 ERNEST BANAR MTN FOR PRODUCTION OF DOCUMENTS ROBERT TROLL LYNCH 0039944
11/08/2010 N/A OT DEFT-COUNTERCLAIMANT PRETERM INC.'S NOTICE OF TENDER OF DVD FOR IN CAMERA REVIEW BY THE COURT. KAREN ROSS (0074173)
11/08/2010 N/A OT DEFT-COUNTERCLAIMANT PRETERM INC.'S REPLY IN SUPPORT OF SUMMARY JUDGMENT ON ITS COUNTERCLAIM. KAREN ROSS (0074173)

It is encouraging though that Congress is now finally questioning the false affidavits submitted by banks:
http://financialserv.edgeboss.net/wmedia/financialserv/hearing111810.wvx
###

Legislation dealing with calamity by TSA at airports

2010-11-18T06:25:00.000-08:00

Agreed.

And the bill is ONE paragraph!

For the record, this is only the fourth bill this year I've supported, in its origin. And the fifth total in the past four years.

Too many minutes for LeBron?!

2010-11-12T13:41:00.001-08:00

A certain superstar is complaining about getting too many minutes. Unbelievable.

“For myself, 44 minutes is too much,” James declared. “I think Coach Spo knows that. Forty minutes for D-Wade is too much. We have to have as much energy as we can to finish games out.”

My take 1/22/2010 - we all knew LeBron was soft:

A new favorite quote

2010-11-12T13:37:00.000-08:00

All Clevelanders must enjoy this one:

"It's been a pleasure to bring my talents to south beach ..." - Paul Pierce after last night's win on Miami's floor.

Miami Heat now 4-3

Reporter explains bank's foreclosure fraud

2010-11-06T14:03:00.000-07:00

A common tactic that banks play is what I refer to as the "delay game." Banks say one thing outside court such as promising to fix the mistakes they made and remedy the contract on which they defaulted, then come to court with a completely different story; it's a part of their ponzi scheme of fraud to launder money and steal property.

I know first-hand how this works because every single bank or entity played this game with me in lawsuits; it's all a part of their perjury and tampering (concealing) with records:

FBI raids banks' attorney's offices

2010-11-04T15:26:00.000-07:00

Reports suggest that "Fannie Mae and Freddie Mac" merely removed files from the law offices of crook David Stern in Florida Monday.

David Stern operates a law firm that is publicly-traded DJSP Enterprises, Inc. (NASDAQ: DJSP). The stock price decreased more than 90 percent to less than a dollar in just a short amount of time when news of their crimes got louder.

The Company engages in providing non-legal services supporting residential real estate foreclosure, other related legal actions, and lender owned real estate (REO) services in the United States. The company involves in offering non-legal support in connection with residential foreclosures, bankruptcy, complex litigation, evictions, and the sale of REO properties by foreclosing lenders. It also prepares drafts of pleadings and documentation for legal matters.

The Federal Bureau of Investigation (FBI) through the United States Department of Justice has been very obligated to do their job, despite regulators not doing this job, in the banking and foreclosure crisis. A systemic risk of customer and investor panic has made it complex and quite difficult for the FBI to obtain specific documents in hopes of stopping the crimes by the banks, preventing their future crimes, and bringing the criminals to justice.

Most documents are easy for investigators to obtain because they are on file in the records at courthouses. Banks are lying in nearly all their affidavits and pleadings.

The ponzi scheme has been tolerated for a few years, but recent testimonies and depositions of so-called robo-signing and outright fraud by banks both outside court and inside court has created not only more attention, but also a new stigma now on the banks and their attorneys of being the party that defaulted on contracts rather than the old verbiage, "The deadbeat borrower bit off more than he could chew." And now, the Feds are finally getting involved, but they need to be quiet about it.

A robo-signer is a new term being used to describe a person a bank allegedly hires to sign documents for court; many signers of these documents are mysteriously signing thousands and thousands a day. Also, the government is finally accepting the facts that banks are not giving facts to courts nor are banks telling the truth in their pleadings or affidavits.

Properties, many houses (and homes), are becoming hot: They're stolen. Banks are stealing properties through fraudulent lawsuits.

Right here in Ohio, for example, Attorney General Richard Cordray said 10/28/2010, "The large mortgage servicers don't even know what's going on in their own shop." Speaking of the financial firms, he said, "They have defrauded our courts."

Richard Cordray, along with most American government sided with the banks only a few months ago arguing the banks' fraud was either bad business or the borrower's fault. The truth is coming out.

The vests with the big letters "FBI" glaring is too much for the markets to handle right now. News reporters would have a field day with cameras all over the place and requests for interviews on every corner and in every office. So the FBI simply sends a covert special agent along with alleged representatives of government-owned and -operated mortgage lenders Fannie Mae and Freddie Mac into offices to collect documents. There are certainly enough documents in courthouses available to stop the banks' fraud, but there are too many i's and t's that need to be dotted and crossed. There is much work needed to be done into the matter of exactly who is involved and who is saying what; who is merely an accomplice and who is working in complicity.

It is much easier for the Feds to obtain information through their own agencies rather than making a bunch of incidental noise in the marketplace after filing a motion in the courts to allow the FBI to go into an office in hopes of finding relevant documents related to the banks' fraud. And can you imagine the disappointment if a bank-controlled judge did not allow certain documents to be obtained, which actually happened in the state of Washington, for example, just this week. The issue of the banks' fraud is a major societal, political mess; many people still do not want to think that their bank could actually steal from the person in whom they are invested via their deposits, especially considering the harmless bank holds much personal information such as social security numbers, dates of birth, passwords, banking information, and so much more. Banks are allegedly the institutions along with the government that we the people can trust, right?

It is a step in the correct direction. There are millions of families who are direct victims and technically all citizens (the taxpayers) are victims too. The Lord Jesus Christ says He will repay those who trouble you.

Here is some information about what happened Monday:
http://www.huffingtonpost.com/2010/11/02/law-offices-of-david-stern_n_777835.html
###

Ohio AG filed brief on a victim's case

2010-10-28T12:43:00.000-07:00

My Ohio Attorney General filed a brief yesterday in re: Thug US Bank (one of my former employers) and thug GMAC v. victim James Renfro in Cuyahoga County Court of Common Pleas.

Attorney General Richard Cordray noted the usual perjury that happens in nearly all cases, in his brief. I know about the banks' perjury because every single bank or entity that sued me committed fraud and perjury against me in courts.

The attorney representing the plaintiff attempted to withdraw fraudulent documents from the record, which is the same thing that happened in my IndyMac/FDIC case when it was in the same State Court, only the plaintiffs in my case completely removed the case out of the whole court, taking it to federal court, and even left out documents of that case when it was submitted to the federal court. They did this because I exposed them, yelled at a magistrate, and talked to a judge very early one morning ex parte. Oh, and they also changed law firms.

Anyway, here is how GMAC subtly tries to move a court when they commit fraud:
http://www.ohioattorneygeneral.gov/ParmaForeclosureMotions

Here is Mr. Cordray's press release:
http://www.ohioattorneygeneral.gov/Briefing-Room/News-Releases/October-2010/Cordray-Outlines-Fraud-in-Cleveland-Foreclosure-Ca

Here is the property in question and instrument of US Bank and GMAC's fraud:
2515 Klusner
Parma, OH 44134
http://auditor.cuyahogacounty.us/repi/transfer.asp

According to public records, the property was purchased 11/18/2005 by James Renfro for $114,900. Mr. Renfro was provided financing through FMF Capital (world-class subprimse crooks) with an 80/20 combo loan, whereas the attached mortgage was filed in the name of criminal FMF Capital and MERS (MERS was being used to hide false assignments).

I guarantee there are other misrepresentations in the entire Renfro file by many parties. For example, FMF commonly violates federal TILA laws in origination and servicing; and the file was nearly guaranteed to be originated by a broker, whereas there are likely other fraudulent misrepresentations there as well. Oh, and the appraisal, let's take a look at that. Is the house compared to other cape cod houses in Parma?

The entities suing Mr. Renfro practice a common game of stealth fraud. They disguise themselves as different companies, which companies lie, lie, lie, manipulate, manipulate, manipulate. The correct party is probably suing Mr. Renfro, but he has no due process because the plaintiff's public documents show MERS and FMF Capital as the proper parties, however they are flying stealth, in different names. And this does not even get into the bad notarization, the lies of fees, the lies of rate, the lies of affidavits, and so much more.

Ultimately, that civil action should be dismissed for lack of standing (Wells Fargo v. Jordan is the crystalized case for the dismissal) because the mortgage is not in the name of the parties at interest in the lawsuit. Even with proper assignments - which is another area where banks manipulate documents - the case would need to be dismissed, then correctly filed with the recorder, then a new lawsuit can begin. But none of those judges down there have given the time of day to read and review documents; I hope this sets the judges straight, O God Almighty. The judges must also send this to the criminal prosecutors to go after the attorneys involved for the banks, go after the banks, and go after people named in affidavits (mostly fake documents).

Understand:
Richard Cordray is in a tight race for next week's election for Ohio AG, whereby it does not look too good for him.

Why he said it

2010-10-26T12:59:00.000-07:00

Of course Congressman Alan Grayson's comments about foreclosure fraud and the bank's fraud was politically-influenced.

He did a good job of portraying himself to be a capitalist by exposing the thug banks and acting like he cares about justice, but his past record shows he is quite the contrary. HE VEHEMENTLY SUPPORTED THE TOTALITARIAN HEALTH CARE REFORM.

He was in a surprisingly tight race for his re-election with another liberal, Republican Daniel Webster. Mr. Webster has a big name as a former State Senator; he is also the man who essentially led the marriage amendment in Florida a few years ago. I know him very well.

Rep. Grayson raised a ton of money since he ran his mouth about the truth of foreclosure fraud. It is also looking like he is going to win in a landslide due to what he said. He did a good job of maneuvering himself into looking like he cares about the consumer and the "little guy," if you will.

The only donations Grayson received from people in the banking industry or anything related were from:
John Barry from Kissimmee, FL, attorney, SunTrust, $275
Jayashree Gokhale, Pennsylvania, attorney, Financial Industry Regulatory Authority (FINRA), $275
Kenneth LaRoe, Eustis, FL, CFO, First Green Bank, $3,575

He received many, many donations from people in the health care industry and from communist educators. Mr. Webster, on the other side, receives donations from conservatives, attorneys, and many bankers and financial advisors. In fact, he was endorsed and received thousands of dollars from Mortgage Bankers Association. Daniel Webster is as anti-justice, communist, and double-minded as Mr. Grayson. They are equally communist with pockets of support for totalitarianism. This is classic in-fighting. The wicked are perishing in their own corruption.

Mr. Grayson's comments though, considering all of his own craziness, are that much more intriguing. He is one of "them." He has always been on the side of the "bad guys," yet he is exposing the crooks. Many people have been deceived by the banks, whereas they have wrongfully accused the consumers of the contracts on which the banks have been defaulting, but the evidence, the facts, and the truth are so glaring that nearly all FDIC-member banks are filled with corruption and fraud. Mr. Grayson only said fire is hot, water is wet, and the sky appears to be blue.

Congressman to FBI: Banks are committing crimes

2010-10-15T16:18:00.000-07:00

October 14, 2010

Robert S. Mueller III
Director Federal Bureau of Investigation
935 Pennsylvania Ave, NW
Washington, DC 20535

Robert O'Neill
US Attorney
Central District of Florida
400 North Tampa Street, Suite 3200
Tampa, FL 33602

Dear US Attorney Robert O'Neill and Director Mueller,

When it comes to foreclosures, there is mounting evidence of a state of rampant lawlessness in Central Florida. There are increasing signs that big banks routinely evade laws meant to protect homeowners, in many well-documented cases of ‘foreclosure fraud’. Despite the demonstrated existence, for instance, of ‘robosigners’ signing affidavits attesting to documents that they have never seen, the parties engaging in such misconduct are not being brought to justice. Big banks are mischaracterizing this as mere “technical problems,” and apologizing only where there is clear and very public evidence of harm.

It is not enough for big banks only to apologize for fraud, perjury, and even breaking and entering – when they are caught. It is time for handcuffs. Fraud does not become legal just because a big bank does it.

On September 20, 2010, after my office found evidence of systemic foreclosure fraud perpetrated by big banks and foreclosure mills, I called for a halt to illegal foreclosures.

Since then, big banks such as Bank of America, JP Morgan Chase, GMAC, PNC and others have suspended foreclosures or foreclosure sales. These banks are still claiming that the massive fraud they have perpetrated amounts to nothing more than a series of technical mistakes. This is absurd. This is deliberate, systemic fraud, and it is a crime.

To give but two of the many available examples, attached is a deposition from an ex-employee of one of the largest ‘foreclosure mills’ in the state, the Law Offices of David Stern. In it, this employee testifies under oath that it was routine for that office to falsify documents regarding military records, in order to move foreclosure cases along more quickly.

The local media has reported on the case of Nancy Jacobini; a contractor for JP Morgan Chase broke into her home after the bank mistakenly foreclosed on it. JP Morgan Chase ‘apologized’ for terrifying her. But we do not have an apology-based legal system; we have a system of laws. I am writing to ask you to enforce them.

The organized and systematic manufacturing of falsified documents to deprive people of their homes is not only a threat to the integrity of the legal system. It also aggravates and extends the weakness in the housing market. Who is going to feel comfortable buying a home if a big bank can simply take it, whether or not that bank has a right to it? Given the securitization of mortgage-backed securities, this misconduct is a threat to our securities markets as well. But fundamentally, this is a question of protecting basic property rights – if you don’t own it, then you shouldn’t try to take it. Without clear property rights, and a legal system that insists on clear proof of those rights before transferring ownership by force, the economy will fall apart.

If perpetrators of perjured affidavits and other systematic criminal activity can get off simply with civil liability -- or even less, an insincere bureaucratic apology -- the freedom that Americans enjoy will erode quickly in the face of lawless seizures of property. I appreciate your work on the joint Middle District of Florida’s Mortgage Fraud Initiative, and respectfully request that the efforts of your offices turn towards reining in this rampant criminality.

Regards,

Alan Grayson
Member of Congress

JPM: Bank's perjury is a minor problem

2010-10-15T15:31:00.000-07:00

Perjury and document manipulation is legal, according to JP Morgan Chase.

housingwire.com reported a strategy call that occurred today with quotes from analyst Ed Reardon.

"Robo-signing is just the latest legal strategy by borrowers to try to prevent foreclosures," Reardon said. "Our view is robo-signing can be fixed relatively quickly," and the foreclosures will go forward eventually.

Actually, he's right. The courts take the lies in affidavits hook, line, and sinker, even when the affidavits are vehemently and correctly scrutinized. The regulators encourage practices of banks lying inside and outside court. Law enforcement, although they've been flexing their muscle in the past week, is scared to stand strong against the banks.

Reardon, of course, is desperately trying to put the blame on the borrowers rather than owning up to the fact that banks default on nearly every single contract before a borrower even nears their own default on said contract, whereas there are simple remedies for the bank's defaults although the banks get away with their crimes.

Reardon shows no regard for authority, law, or honesty. It is a mere example of the business practices of Chase and reflection of nearly the entire industry.

Woe unto them that decree unrighteous decres, and that write grievousness which they have prescribed;
Isaiah 10:1

FDIC's excuse for perjury

2010-10-14T06:53:00.000-07:00

Director of the FDIC, Sheila Bair, commented on the perjury and tampering with records of robo-signing:

"Because the pricing of mortgage securitization deals did not adequately provide for special servicing, servicers were not funded or adequately staffed to address problems," she said yesterday according to an aricle by housingwire.com.

"Given the important role that quality servicing plays in mitigating the incidence of default, I believe that the new regulations should address the need for reform of the servicing process."

Of course, she is trying to put the light on the borrower's alleged default to steer people from the slightest chance that maybe a sliver of her banks defaulted on their own contracts, or committed outright fraud, or made a sincere "mistake."

Listen folks, there is truly no intent here to "disparage," as this is my mere opinion of public and economic policy: The director of the head of this whole mess is making an excuse as to why courts can be treated like filthy rags.

The Chilean Miners: A Parallel

2010-10-13T17:34:00.001-07:00

The miners could have been left there. Only 33 people. It could cost much money for a total failure. They might not get out until Christmas. What if they bring some crazy diseases from the underground.

An act of God, all 33 men are no longer underground, but are restored to their loving families.

United States Attorney General Eric Holder, United States Attorney Andre Birotte, and 50 state attorneys general have a duty, obligation, and rare opportunity to reedem themselves from the collapse of them failing to enforce the law, now finally prosecuting the banks' executives for operating corrupt organizations (their banks) as criminal tools to launder trillions of dollars in the biggest ponzi scheme in American history.

Their resources are plenty. They have the whistle blowers on the edge of their seats. They have their funding from Congress in 2009. They have much material fact although some is being "lost, stolen, or destroyed" as they say. They have: No excuses.

They have a good idea of what the law says and how to file certain documents. Thus, they are the ones who are going to do the grunt work while the A-team (expert witnesses and the ones whom escaped from the rubble) do the drilling and exposing from the top.

They can be the heroes to rescue millions of customers (many homeowners) from underground underwriters (judges) whom have bowed to the fraud of banks, their attorneys, and their third-parties.

The elderly borrowers who had their homes stolen from them by banks defaulting on the borrowers' reverse mortgage loans: Ascent and damages paid.

The families that had one loan with a blanket mortgage that had no cooperation from their servicer after the bank defaulted on their loan: Ascent and damages paid.

The family that is now homeless because they thought they had no affirmative defenses in court for their foreclosure, losing their home in a default judgment: Ascent and damages paid.

The soldier who came back home to America after putting his life on the line in Iraq, so his country can remain in business to find new locks on her doors because the bank had stolen her home through a fraudulent foreclosure per documents showing a balloon was due in five years, about which she was not aware, yet the magistrate on the case did not care about the federal and state violations on that same page and fake affidavits by the bank in the motion for default judgment.

The single mother who paid her attorney for April Charney's class, but still lost in court because the judge said she had no defenses even though the bank defaulted on her contract years ago when she did not know it: Ascent and damages paid.

The single man who paid cash for his home, never had a mortgage, but still had his home stolen from him through a fraudulent foreclosure lawsuit thanks to a whore, activist judge: Ascent and damages paid.

The husband and wife who built their dream home, a modest 1,200-square-foot house in the Great Plains, but were tangled with a bank that defaulted on their contract with the borrower because they ran out of money and could not disburse the remaining 20% of the loan, so foreclosure wiped out this newly-married couple: Ascent and damages paid.

The black woman who was led into a predatory loan, not knowing the bank's interviewer included her dead husband's income to get the loan approved, making the loan impossible to handle for this victim: Ascent and damages paid.

The millions of Americans (fun, illegal aliens too) whose bank defaulted on their contract for myriad reasons, but had their house stolen from them due to a judge rubber-stamping foreclosures not caring about the perjury and tampering with records by the bank.

The man who simply gave up because he lost his job, not knowing the wrong bank took his home in non-judicial state, leaving him with another bank coming after him for a second loan.

The hundreds of thousands of borrowers who tried vigorously to defend their foreclosure with their original application (Uniform Residential Loan Application Form 1003) showing proof that the rate was supposed to be FIXED, yet the rate increased causing the borrower to default on their side of the contract as well now: Ascent and damages paid.

For too many years, customers have been trapped under a vicious failure of regulators and law enforcement. Bank executives' greed and fraud collapsed with their too-big-to-fail attitude; homeowners were stuck in the dark, and are still stuck in the dark.

Looking to legislators, government-assistance, fake loan modifications, forensic loan auditors, prosecutors, appeals courts, attorneys, anyone who would hear their voice from underground: They found more politicians and judges shaking their cups demanding more money for their next campaigns, many found FBI special agents telling them to never come back to their office again, never call again, "the bank is merely making bad business."

At the bottom of this long, narrow tunnel to the end of Great Depression 2 is the homeowner being made whole of federal violations of banking law by his or her bank, the investor being made whole of unsuitable investments. They are simply being made whole even though they cannot even see the light at the end of the tunnel. Who is there at the top? The leaders, the brave, the politicians with a backbone being the voice for those underground, the Christians praying.

Every American shall ascend right now in the name of Jesus Christ.

Ohio AG is getting it ...

2010-10-11T09:13:00.000-07:00

Ohio Attorney General Democrat Richard Cordray in a press conference last Wednesday, said:

“Some ugly revelations have recently come to light about how foreclosures are being processed in this country. It appears that, on a mass scale, many homeowners are being deprived of their property based on phony affidavits and without the due and proper processes of law. It is now becoming clear that fraud, deception and an utter disregard for accuracy are in part to blame for our national foreclosure disaster.”

In an interview with TWI, Cordray stressed that the problems were systemic and the violations serious. “What we’re talking about here is not just sloppy paperwork,” he said. “We’re talking about fraud in a court of law. "They were lying under oath, to a judge. And there is evidence that this company (GMAC) has illegally ousted people from their private property, violating their property rights.”

He continues: “And there’s a tragic irony here. For five or ten years, the banks have said that the foreclosure crisis in this state is the borrowers’ fault. They bit off more than they could chew. It’s all their fault for buying expensive houses and then losing their jobs.

“But look at this! They’re taking people into foreclosure, without the right to do it! It is tragic. They were committing fraud, and were completely giving up their fiduciary responsibilities.”

"Giving up their fiduciary responsibilities," sounds like he is quoting me, verbatim.

You will find multiple complaints in the Ohio Attorney General's office from a person named Jason Werner about specific instances of the bank's fraud against me and even others.

Cuyahoga County Common Pleas Court, just search my name. Look at the docket. Berea Municipal Court, search my name, look at the docket. I even included transcripts. I yelled fraud, perjury, tampering with records non-stop. Cleveland Office of the FBI has pounds of documents about foreclosure fraud when I served it to them in-person August 2008. The Cuyahoge County Sheriff has multiple complaints by me about the fraud by Fifth Third, FDIC, Bank of America, and mention of my knowledge that this is happening by nearly every other bank out there in this area except for Third Federal and most credit unions. I gave documents to Olmsted Township Police, whereby our Prosecutor wrote back to me stating that he could not prove it beyond a reasonable doubt. An assistant prosecutor of Cuyahoga County told me, "Jason, the bank is just doing bad business; I cannot prosecute them because it would be malicious." I was even working with U.S. Attorney Thomas O'Brien's office through Georgia Hanif in California until they stopped responding to me December 2008 (probably because of future leadership changes). I served Eric Holder at his former employer via email with proof of the foreclosure fraud. O so much more.

God, I hope the attorneys for the banks and the bank executives be prosecuted for justice sake.

Their attorneys

2010-10-11T05:52:00.000-07:00

The robo-signing is tame compared to the other perjury and racketeering crimes the banks, their attorneys, and their third parties commit.

They have a game plan. They know exactly what they need to do to get their desired "victory." Their victory, by the way, is destruction, and they'll do anything to feel like they won some kind of favor for themselves.

I know of a case of a person who sued Social Security Administration. Yes, I understand, stuff like this happens all the time. Prosecutors do sometimes actually review those documents, investigate, and charge the crooks for lying in court and conspiring with doctors to obtain false reports of their illnesses.

The problem is their attorneys.

The person I know hooked up with an attorney that represents bank, of course, which firm happens to also go after benefits for disability on a contingency basis for their clients.

They're all working together to commit crimes, but the attorney is the main person leading the attack against the taxpayers, the court, and the system. It is her attorney who knows what documents must be filed with the court in order to obtain their "award" of money.

What they do:

The attorney subtly orders the client to go to the doctor to get evaluated multiple times, requesting certain things on the attorney's documents

The attorney, because they've been in the business for so long, knows what to look for. They know what will work in court, what will pacify the hearing officer (judge).

The attorney manipulates the client, but the client accepts.

There is a reason why nearly every single case by that same law firm is the same.

So these attorneys have done this in the past, and they know what they need to pass the test. Just answer a few questions that will pass the test and the government's attorney will eventually either fold (settle) or lose anyway.

This plaintiff, who alleged she was sick, could barely walk, was always in pain, could barely get out of bed, could barely talk, was nearly incompetent, has a facebook page of her running around town, brags on posts that she went there to do this and went here to do that, of course no talk of her debilitating sickness.

The banks do the same thing just like the person I know going after SSI money.

The banks go after collateral even though the bank already defaulted on already void contracts.

How the attorneys get paid:

Final judgment and auction of the house.

In both the case of the bank and the disease-artist, they hope and probably think they can get in bed with enough people to let their game last long enough in hiding criminal charges.

They got their temporary victory of a few bucks.

Affidavits of blatant lies by the plaintiffs are still piled at the court.

I know because every single bank lied to the court in my cases when they sued me. They know what to say to the court to get their desired grant of a motion.

I know because I hear what this person tells me about her lawsuit against the Social Security Administration.

Would the government go after her for lying in court? What are the damages? O, less than a $1,000 a month award and approximately five years of back benefits, not worth it, especially when that same attorney is working for the banks, especially when Jason Werner is the one blowing the whistle.

They are all guilty by association.

It is no coincidence that they all run together and are exactly in line with each other on their game plan.

Meanwhile, borrowers, who are clueless as to the law and civil rules of procedure, get their houses, cars, boats, and so much more stolen from them. Their affidavits are usually honest. It is a dirty game.

They lie, cheat, and steal - all for money.

If you blow the whistle, then you are the bad guy.

The crooks do not like authority. They do not like eye contact. They are double-minded in all their ways. But law enforcement is just as guilty. They have family who steals from Social Security Administration as well. They buy foreclosed homes very inexpensively as well. They know the game; they capitalize on it. They milk the system as well, which shows this is a societal problem. But it is still a crime for these people to perjure themselves the way they do and manipulate documents.

Good video about the bank's fraud, but there's more ...

2010-10-09T18:07:00.000-07:00

Visit msnbc.com for Breaking News, World News, and News about the Economy

So what's more?

The fraud is in the sales and servicing of annuities, boat loans, bonds, car loans credit cards, demand deposit accounts, equities, mutual funds, and virtually every other product associated with BANKS.

Truly, I worked in the industry and I did business with banks. Nearly all banks lie, cheat, and steal, and they've been getting away with it.

They lie inside honorable courts with fake affidavits, false notarizations, purposely incorrect information given to the record, manipulated documents, and they even lie outside the courts. They have little to no respect for life and justice, as they will desperately do anything to act like they are getting a judgment (most of their judgments are void from the beginning). They bribe judges with huge campaign contributions, which is technically legal, but one must wonder what other bribes are out there.

Their system is fatally flawed in corruption.

The banks do not do only one thing badly (fraudulently), and then turn around and literally do everything else honestly. No, they are wicked in every capacity of their business.

Today, the foreclosure fraud is more obvious because it is the biggest ticket right now. Courts are getting rich with foreclosures. People are getting jobs in courthouses because of all the foreclosures; it's a great business. Their perjury and tampering with records is also a big business for them. Their crimes have become a game because the regulators and law enforcement has failed to do their jobs.

I hope and pray in the name of Jesus Christ that the bank's repay their debt and damages to their victims in the form of returning what did belong to the victims, and returning all damages associated with it. And God Almighty, I sure hope the regulators and law enforcement give the world a huge, "I'm sorry. We fumbled big time. We are working to truly make victims whole again."

California AG's response to foreclosure fraud in 2009

2010-10-09T07:00:00.000-07:00

CA Dept of Justice - General Comment or Question
Friday, July 17, 2009 12:16 AM
From:
"receivedpiuauto@doj.ca.gov"
Add sender to Contacts
To:
"jwerner79@yahoo.com"

***HERE IS A COPY OF YOUR EMAIL TO THE ATTORNEY GENERAL AS REQUESTED - DO NOT REPLY TO THIS EMAIL***
***Reply messages will be returned as undeliverable***

Thank you for your email to the Office of Attorney General. Your time in submitting this information is much appreciated. Your communication now will be reviewed for response by regular mail.

Please remember that by law we cannot represent you on a personal matter and cannot give you legal advice.

If you need legal assistance, please seek private counsel. Lawyer referral services are available from the California State Bar at 1-866-442-2529 (toll-free in California) or 415-538-2250 (outside California), or via the Internet at http://www.calbar.ca.gov.

If you have information about a crime, please report the matter locally to the police department or sheriff's office.

While we seek to respond timely, there could be delays because of the volume of email received and we thank you in advance for your patience.

Your email to the Attorney General states:

This is a General comment/inquiry

First Name: Jason
Middle Initial: D
Last Name: Werner
Address Line: 7465 Lewis Road
Address Line 2:
City: Olmsted Township
State: OH
Zip: 44138
Zip4:
Area Code: 216
Phone Number: 5709501

Comment Or Question Message: This is what crooks at Bank of America (and most other banks) are telling your residents:

Part 1 of 3
http://www.youtube.com/watch?v=eIBYq4pCS9A

Part 2 of 3
http://www.youtube.com/watch?v=NFAGOHFjm0w

Part 3 of 3
http://www.youtube.com/watch?v=c9DDeLbWD0w

Mr. Brown should not tolerate perjury and fraud. The state of California absolutely does not allow perjury and fraud.

Thanks so much,
Jason

Affirm Information Accurate: Yes
Request Copy: Yes
Email: jwerner79@yahoo.com
Confirm Email: jwerner79@yahoo.com

***PLEASE DO NOT RESPOND TO THIS EMAIL - YOUR MESSAGE WILL BE RETURNED TO YOU AS UNDELIVERABLE.***

Arizona AG's strong response to foreclosure fraud in 2009

2010-10-09T06:59:00.000-07:00

Re: [audio] This is what banks are telling your residents
Friday, July 17, 2009 6:05 PM
From:
"Crime Fraud & Victim Resource Center Crime Fraud & Victim Resource Center"
Add sender to Contacts
To:
"Jason Werner"

These are great. Thanks, I will pass this along to our consumer division.

-CFVRC-

>>>
From: "Jason Werner"
To:
Date: 7/16/2009 9:34 PM
Subject: [audio] This is what banks are telling your residents

This is what crooks at Bank of America (and most other banks) are telling your residents:

Part 1 of 3
http://www.youtube.com/watch?v=eIBYq4pCS9A

Part 2 of 3
http://www.youtube.com/watch?v=NFAGOHFjm0w

Part 3 of 3
http://www.youtube.com/watch?v=c9DDeLbWD0w

The state of Arizona absolutely does not tolerate perjury and fraud.

Thanks so much,
Jason

= = = = =
Jason Werner
7465 Lewis Road
Olmsted Township, OH 44138
216.570.9501
jwerner79@yahoo.com
http://www.youtube.com/watch?v=hyV0yXN0TiQ

Psalm 37:18-19
The LORD knoweth the days of the upright and their inheritance shall be for ever. They shall not be ashamed in the evil time: and in the days of famine they shall be satisfied.

Alabama AG's response to foreclosure fraud in 2009

2010-10-09T06:58:00.001-07:00

General Comments to AG--No Reply Contact from Website
Saturday, July 18, 2009 12:26 PM
From:
"constituentaffairs@ago.state.al.us"
Add sender to Contacts
To:
jwerner79@yahoo.com

Here is a copy of the form you submitted from the Alabama Attorney General's website:

Date: 7/18/2009 @ 11:24 AM Mr. Jason D Werner 29 (Age)
7465 Lewis Road Olmsted Township, OH 44138 216-570-9501 (Home Phone)
Work Phone Not Given jwerner79@yahoo.com (E-Mail Address)

---Division of Attorney General form is directed to---
General Comments to AG--No Reply

---Details---
Description:
This is what crooks at Bank of America (and most other banks) are telling your residents:

Part 1 of 3 http://www.youtube.com/watch?v=eIBYq4pCS9A

Part 2 of 3 http://www.youtube.com/watch?v=NFAGOHFjm0w

Part 3 of 3 http://www.youtube.com/watch?v=c9DDeLbWD0w

Mr. King should not tolerate perjury and fraud. The state of Alabama absolutely does not allow perjury and fraud.

Thanks so much, Jason

---END OF FORM---

Colorado AG's response to foreclosure fraud in 2009

2010-10-09T06:56:00.000-07:00

Flag this message
Re: foreclosure fraud in your state by Bank of America ... (Out of Office Reply)
Saturday, July 18, 2009 11:01 PM
From:
"Jodie Robertson"
Add sender to Contacts
To:
"Jason Werner"
I will be out of the office July 16 & 17th. Please call the main line at 303-866-4494 if you need assistance before I return.
Thank you, Jodie Robertson

Missouri AG's response to foreclosure fraud in 2009

2010-10-09T06:54:00.001-07:00

Re: foreclosure fraud by Ken Lewis and Bank of America
Monday, July 20, 2009 11:42 AM
From:
"Consumer Help"
Add sender to Contacts
To:
"Jason Werner"
Dear Consumer,

Thank you for your recent correspondence. We appreciate your
assistance in enforcing Missouri’s consumer protection laws. Our
office will contact you if we need additional information.

Sincerely,

Consumer Protection Division
Missouri Attorney General's Office

pj>>> Jason Werner 7/18/2009 12:50 PM >>>
This is what crooks at Bank of America (and most other banks) are
telling your residents:

Part 1 of 3
http://www.youtube.com/watch?v=eIBYq4pCS9A

Part 2 of 3
http://www.youtube.com/watch?v=NFAGOHFjm0w

Part 3 of 3
http://www.youtube.com/watch?v=c9DDeLbWD0w

Mr. Koster should not tolerate perjury and fraud. The state of Missouri
absolutely does not allow perjury and fraud.

Thanks so much,
Jason

= = = = =
Jason Werner
7465 Lewis Road
Olmsted Township, OH 44138
216.570.9501
jwerner79@yahoo.com
http://www.youtube.com/watch?v=hyV0yXN0TiQ

Psalm 37:18-19
The LORD knoweth the days of the upright and their inheritance shall be
for ever. They shall not be ashamed in the evil time: and in the days of
famine they shall be satisfied.

Texas AG's response to foreclosure fraud in 2009

2010-10-09T06:51:00.000-07:00

Flag this message
Re: [audio] mortgage fraud and foreclosure fraud
Wednesday, July 22, 2009 3:36 PM
From:
"Public Information"
Add sender to Contacts
To:
"Jason Werner"
Dear Mr. Werner:

Thank you for contacting the Office of the Attorney General.

You may wish to formally report the matter to this agency's Consumer
Protection Division (CPD). So that CPD can review this matter, please
complete our consumer complaint form online in the consumer protection
section of our website at www.texasattorneygeneral.gov/consumer. If
additional information is needed, CPD will contact you. Your complaint
will be kept on file to assist us in monitoring business practices and
in determining priorities for enforcement efforts. Please understand
that we can not represent individuals in civil matters. You may also
wish to read the consumer protection section of our website for more
information on the complaint process and for additional options. I have
forwarded your message to our CPD.

Homeowners with problems that could result in mortgage default or
foreclosure on their property should consider contacting a HUD-approved
housing counseling agency at (800) 569-4287. The Homeownership
Preservation Foundation also provides foreclosure information and
counseling at (888)995-HOPE (4673) or www.995hope.org. For additional
information from HUD regarding foreclosures visit:
www.hud.gov/foreclosure/index.cfm and
www.hud.gov/faqs/faqforeclose.cfm.

You may also wish to contact NeighborWorks to find a foreclosure
counselor in your area. They can be reached at:

NeighborWorks
1325 G St., NW, Suite 800
Washington, DC 20005-3100
(202) 220-2300
www.findaforeclosurecounselor.org

Again, thank you for writing.

Katherine S. Wood
Public Information and Assistance
Office of the Attorney General of Texas

>>> Jason Werner 7/22/2009 12:37 PM >>>
This is what crooks at Bank of America (and most other banks) are
telling your residents:

Part 1 of 3
http://www.youtube.com/watch?v=eIBYq4pCS9A

Part 2 of 3
http://www.youtube.com/watch?v=NFAGOHFjm0w

Part 3 of 3
http://www.youtube.com/watch?v=c9DDeLbWD0w

Mr. Abbott, you should not tolerate perjury and fraud. The state of
Texas absolutely does not allow perjury and fraud.

Thanks so much,
Jason

= = = = =
Jason Werner
7465 Lewis Road
Olmsted Township, OH 44138
216.570.9501
jwerner79@yahoo.com
http://www.youtube.com/watch?v=hyV0yXN0TiQ

Psalm 37:18-19
The LORD knoweth the days of the upright and their inheritance shall be
for ever. They shall not be ashamed in the evil time: and in the days of
famine they shall be satisfied.

New Mexico AG's response to foreclosure fraud in 2009

2010-10-09T06:49:00.000-07:00

Re: [audio] this is what banks are telling your residents ...
Wednesday, July 22, 2009 4:31 PM
From:
"Lynn Southard"
Add sender to Contacts
To:
"Jason Werner"
Message contains attachments
1 File (184KB)

* ConsumerComplaintForm.pdfConsumerComplaintForm.pdf

I sent it to our Deputy Director of Consumer Protection---However, you are welcome to file a complaint---that would help us as there would be an official record.
I will attach---
Lynn Southard
Deputy Director of Communications
Office of New Mexico Attorney General
Gary K. King
111 Lomas Blvd NW
Suite 300
Albuquerque, New Mexico 87102
505 222-9048 office
505 231-4731 cell
Email: lsouthard@nmag.gov

On Wed, Jul 22, 2009 at 2:27 PM, Jason Werner wrote:

Ms. Southard,

Thank you very, very much for the confirmation that you received my email. I have been contacting other state's AGs to make them aware of the fraud at the banks, and only a few have followed up with me.

Would you be able to make sure Mr. King has the ability to review this matter as well (it's a big office), or any person in your office whom has the ability and knowledge to prosecute?

Regards,
Jason

= = = = =
Jason Werner
7465 Lewis Road
Olmsted Township, OH 44138
216.570.9501
jwerner79@yahoo.com
http://www.youtube.com/watch?v=hyV0yXN0TiQ

Psalm 37:18-19
The LORD knoweth the days of the upright and their inheritance shall be for ever. They shall not be ashamed in the evil time: and in the days of famine they shall be satisfied.

--- On Wed, 7/22/09, Lynn Southard wrote:

From: Lynn Southard
Subject: Re: [audio] this is what banks are telling your residents ...
To: "Jason Werner"
Date: Wednesday, July 22, 2009, 4:16 PM

Thank you for your email!
Lynn Southard
Deputy Director of Communications
Office of New Mexico Attorney General
Gary K. King
111 Lomas Blvd NW
Suite 300
Albuquerque, New Mexico 87102
505 222-9048 office
505 231-4731 cell
Email: lsouthard@nmag.gov

On Wed, Jul 22, 2009 at 10:31 AM, Jason Werner wrote:

This is what crooks at Bank of America (and most other banks) are telling your residents:

Part 1 of 3
http://www.youtube.com/watch?v=eIBYq4pCS9A

Part 2 of 3
http://www.youtube.com/watch?v=NFAGOHFjm0w

Part 3 of 3
http://www.youtube.com/watch?v=c9DDeLbWD0w

Your attorney general should not tolerate perjury and fraud. The state of New Mexico absolutely does not allow perjury and fraud.

Thanks so much,
Jason

= = = = =
Jason Werner
7465 Lewis Road
Olmsted Township, OH 44138
216.570.9501
jwerner79@yahoo.com
http://www.youtube.com/watch?v=hyV0yXN0TiQ

Psalm 37:18-19
The LORD knoweth the days of the upright and their inheritance shall be for ever. They shall not be ashamed in the evil time: and in the days of famine they shall be satisfied.

Maryland AG's response to foreclosure fraud in 2009

2010-10-09T06:46:00.000-07:00

Re: [audio] banker explains foreclosure fraud
Wednesday, July 22, 2009 7:42 PM
From:
"oag oag"
Add sender to Contacts
To:
"Jason Werner"
The Maryland Attorney General's Office has received your e-mail
message. Inquiries will be reviewed and a response will be sent as soon as possible.
Thank you.

Washington AG's response to foreclosure fraud in 2009

2010-10-09T06:45:00.001-07:00

Thank You for Contacting the AGO
Thursday, July 23, 2009 12:07 PM
From:
"emailago@atg.wa.gov"
Add sender to Contacts
To:
jwerner79@yahoo.com

The following message has been submitted to staff at the Attorney General's Office. Depending on the complexity of your request and the volume of messages received, please allow up to 10 business days for a member of the AGO staff to help you with your request. Please do not respond to this message. The ATG WWW Email AGO mailbox is an unmonitored box.

From: Werner, Jason
Business Name:
Email Address: jwerner79@yahoo.com
Address: 7465 Lewis Road
Olmsted Townshilp OH 44138
Address Type: Home
Phone: 2165709501 Phone Type: Home
Subject: Please forward to AG for investigation and prosecution
Message:
This is what crooks at Bank of America (and most other banks) are telling your residents: Part 1 of 3 http://www.youtube.com/watch?v=eIBYq4pCS9A Part 2 of 3 http://www.youtube.com/watch?v=NFAGOHFjm0w Part 3 of 3 http://www.youtube.com/watch?v=c9DDeLbWD0w Your attorney general should not tolerate perjury and fraud. The state of Washington absolutely does not allow perjury and fraud. Thanks so much, Jason
Previous Contact: No Date:
Regarding:

Consumer protection issues constantly change, with new scams and threats emerging every week. To be automatically notified, please consider signing up for one or more of our RSS feeds to keep up-to-date on the latest AGO news, opinions, consumer alerts, Ask the AG columns, and blog posts. An RSS feed eliminates the need for you to browse our site looking for this new information. Instead it is delivered directly to you via an RSS reader.

Maine AG's response to foreclosure fraud in 2009

2010-10-09T06:41:00.000-07:00

RE: General Complaint or Question Form
Thursday, July 23, 2009 12:45 PM
From:
"Mediation, Consumer"
Add sender to Contacts
To:
jwerner79@yahoo.com

Thank you.

From: jwerner79@yahoo.com [mailto:jwerner79@yahoo.com]
Sent: Wed 7/22/2009 1:11 PM
To: Mediation, Consumer
Subject: General Complaint or Question Form

General Complaint or Question Form
----------------------------------

Your name: Jason Werner
Your address: 7465 Lewis
City: Olmsted Township
State: OH
Zip: 44138
Phone: 2165709501
Fax:
E-mail: jwerner79@yahoo.com

Name of business:
Their address:
City:
State: ME
Zip:
Telephone:
Fax:
E-mail:

Summary of complaint or question: This is what crooks at Bank of America (and most other banks) are telling your residents:

Part 1 of 3
http://www.youtube.com/watch?v=eIBYq4pCS9A

Part 2 of 3
http://www.youtube.com/watch?v=NFAGOHFjm0w

Part 3 of 3
http://www.youtube.com/watch?v=c9DDeLbWD0w

Your Attorney General should not tolerate perjury and fraud. The state of Maine absolutely does not allow perjury and fraud.

Thanks so much,
Jason

Florida AG's response to foreclosure fraud in 2009

2010-10-09T06:38:00.000-07:00

Flag this message
From Attorney General Bill McCollum
Thursday, July 23, 2009 1:05 PM
From:
"AG" <.@myfloridalegal.com>
Add sender to Contacts
To:
jwerner79@yahoo.com
Florida Attorney General Bill McCollum received your email regarding your
concerns with Bank of America. Attorney General McCollum asked that I
respond on his behalf.

Attorney General McCollum is concerned as well with potentially unfair and
deceptive trade practices that mislead consumers. By law, this office
exercises statutory authority to address consumer fraud under Chapter 501,
Part II, Florida Statutes, known as Florida's Unfair and Deceptive Trade
Practices Act. Our office focuses its enforcement efforts on business
practices by companies which harm numerous consumers in more than one
judicial circuit. We use complaints to develop information about patterns
of business activity which may indicate the need for formal investigation
or action by our office to protect the broad public interest. Please note
that our office does not mediate individual consumer complaints.

The Office of the Comptroller of the Currency (OCC) is the appropriate
agency to address your concerns. The OCC is an agency of the United
States Department of the Treasury. The OCC charters, regulates, and
supervises over 2,500 national banks. The OCC Customer Assistance Group
was created to answer questions, offer guidance, and assist consumers in
resolving complaints about national banks. You may reach the OCC's
Customer Assistance Group at:

Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
Telephone: (800) 613-6743
Email: Customer.Assistance@occ.treas.gov
Website: http://www.occ.treas.gov/customer.htm

Thank you for taking the time to make our office aware of your concerns.
We will retain your information in our consumer files. If you would like
to keep current with news on Attorney General McCollum's efforts to fight
fraud please follow this link and subscribe to the Attorney General's
weekly and monthly electronic newsletters:

http://myfloridalegal.com/NewsBrie.nsf/Subscriber

Sincerely,

Carmen James
Office of Citizen Services

PLEASE DO NOT REPLY TO THIS E-MAIL. THIS ADDRESS IS FOR PROCESSING ONLY.

To contact this office please visit the Attorney General's website at
www.myfloridalegal.com and complete the on-line contact form. Again,
thank you for contacting the Office of the Florida Attorney General.
________________________________________________________________________
INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL'S OFFICE ON 07/17/2009

Jason Werner
7465 Lewis Road
Olmsted Township, OH, 44138
Phone: (216) 570-9501
Email: jwerner79@yahoo.com

This is what crooks at Bank of America (and most other banks) are telling
your
residents:

Part 1 of 3
http://www.youtube.com/watch?v=eIBYq4pCS9A

Part 2 of 3
http://www.youtube.com/watch?v=NFAGOHFjm0w

Part 3 of 3
http://www.youtube.com/watch?v=c9DDeLbWD0w

Bill McCollum should not tolerate perjury and fraud. The state of Florida

absolutely does not allow perjury and fraud.

Thanks so much,
Jason

My argument with South Carolilna AG about foreclosure fraud in 2009

2010-10-09T06:33:00.000-07:00

Re: This is how banks commit foreclosure fraud
Thursday, August 6, 2009 11:25 AM
From:
"Office of Attorney General user"
Add sender to Contacts
To:
"Jason Werner"
Dear Mr. Werner,

By law our office cannot provides legal advice, interpretation of statutes or representation for private citizens.

Additionally, we do not have a general investigations section that can investigate the complaints of private citizens.

Please be advised that the Attorney General's Office does not oversee law enforcement officers, nor do we have any authority over any court systems or sentences imposed by our judicial officials.

The primary purpose of this office is to provide legal representation for the State of South Carolina, public officials and State agencies. We have forwarded your correspondence to the correct agency, the South Carolina Department of Consumer Affairs Mortgage Fraud Division at the following:

http://www.scconsumer.gov/mortgage_fraud/compliant.pdf

If you would like, you may fill out this form; otherwise, no other action is necessary at this time.

Thank you for writing to this office.

Sincerely,

Constituent Services

krq

>>> Jason Werner 8/5/2009 11:19 AM >>>
Liar. You absolutely have jurisdiction against ANYBODY who commits perjury and fraud in yoiur state. The AG must prosecute for committing that crime, including multiple others.

Thanks so much,
Jason

= = = = =
Psalm 37:18-19
The LORD knoweth the days of the upright and their inheritance shall be for ever. They shall not be ashamed in the evil time: and in the days of famine they shall be satisfied.

Jason Werner
7465 Lewis Road
Olmsted Township, OH 44138
216.570.9501
jwerner79@yahoo.com
http://www.youtube.com/watch?v=hyV0yXN0TiQ

--- On Wed, 8/5/09, Office of Attorney General user wrote:

From: Office of Attorney General user
Subject: Re: This is how banks commit foreclosure fraud
To: "Jason Werner"
Cc: dfriday@scconsumer.gov
Date: Wednesday, August 5, 2009, 10:49 AM

Dear Mr. Werner,

Your letter to the Office of the Attorney General of South Carolina has been referred to me for response.

Your concerns do not fall under the jurisdiction of this office. The South Carolina Department of Consumer Affairs, a separate state agency, assists consumers with inquiries and complaints. This correspondence is being forwarded to their office. Should you need to contact that agency directly, you may do so at the following:

Ms. Deborah Friday

S.C. Department of Consumer Affairs

3600 Forest Drive

Post Office Box 5757

Columbia, South Carolina 29250-5757

(803) 734-4200

1-800-922-1594 (toll free within South Carolina)

www.scconsumer.gov

We appreciate your contacting this office and hope your concerns will soon be resolved.

Sincerely,

Constituent Services

krq

>>> Jason Werner 8/4/2009 5:03 PM >>>
This is what crooks at Bank of America (and most other banks) are telling your residents:

Part 1 of 3
http://www.youtube.com/watch?v=eIBYq4pCS9A

Part 2 of 3
http://www.youtube.com/watch?v=NFAGOHFjm0w

Part 3 of 3
http://www.youtube.com/watch?v=c9DDeLbWD0w

Mr. McMaster should not tolerate perjury and fraud. The state of South Carolina absolutely does not allow perjury and fraud.

Thanks so much,
Jason

= = = = =
Psalm 37:18-19
The LORD knoweth the days of the upright and their inheritance shall be for ever. They shall not be ashamed in the evil time: and in the days of famine they shall be satisfied.

Jason Werner
7465 Lewis Road
Olmsted Township, OH 44138

Bank of America?

2010-10-06T20:18:00.000-07:00

Comment posted on "Bank of America recorded call regarding foreclosure Part 2 of 2"
Thursday, September 30, 2010 2:56 AM
From:
This sender is DomainKeys verified
"YouTube Service"
To:
"jwerner79"
YouTube

bebop4one has made a comment on Bank of America recorded call regarding foreclosure Part 2 of 2:
Fucking loser. You don't DESERVE a modification! You were stupid to sign a fuckin note that you could never afford. Wah wah fuckin wah. Now you want the bank to bail your ass out. I know the girl on the phone and everyone at bank of America west hills, ca has heard this and is laughing at your stupid ass. She became a manager and you probably lost your home you stupid cunt. Tell your wife and kids that daddy is a fucking loser that can't man up and pay his bills and then go jump off of a fuckin

Here is the link to the video and comment:
http://www.youtube.com/comment_servlet?all_comments=1&v=BVFBcFUmuzw

or try this one ...
http://www.youtube.com/watch?v=TQLTUEcuO-8&feature=related

Bank of America was a defendant, and suing me, for a Condo in North Olmsted, Ohio, case was in Cuyahoga County Court of Common Pleas. Their attorneys and even Bank of America committed a ton of perjury and tampering with records during the case. I filed complaints with multiple offices of government at literally every level, they all either ignored me or told me to deal with it. Anyway, per their coercion, I accepted a short sale they begged out of me.

I simply want everyone to see the comment above. It might be a real employee or it might not be a real employee of Bank of America, who knows. Thank you. May God bless.

Cleveland Councilwoman doesn't know ...

2010-10-06T06:27:00.000-07:00

... that the party suing her in foreclosure lawsuit is not the correct party at interest per not only my case law in the same exact courtroom, but Wells Fargo v. Jordan's case in Appeals court.

Thug Chase Home Finance is suing her through attorney David Hanson in Columbus, whom snuck the foreclosure through with default judgment.

O, Flagstar is defendant as well. I wonder where they came from.

A mortgage was filed 3/23/2007 in the name of Mortgage Electronic Registration System (MERS). MERS does nothing honestly. Chase filed their lawsuit this year. Actually, Chase would be in a better position probably if no mortgage had ever even been filed in public records.

As a matter of a law and now crystalized law, Chase must dismiss without prejudice, then file the mortgage correctly, then re-file their lawsuit. This is not a technical issue; it's law. But even when crook Chase does that, they still need to explain in discovery who they are and what their real claim is. Odds are, Chase defaulted on their contract with their borrower a long time ago, to which their is "no defense" for them for their outright fraud. Chase is dishonest in most of their business.

Of course Chase could obtain a common summary judgment against her, but it would be void, if she exposes it.

These bank's assignments are always messed up. Their affidavits are always flawed with lies, hearsay, and fake people signing (this happened in all my own cases).

Pursuant to law and the now-crystalized law from Wells Fargo v. Jordan, a party seeking foreclosure must have the name of their entity on the mortgage at the time of filing of the lawsuit, whereas in Ms. Cleveland's case, MERS was still that "proper party in interest" per Uniform Commercial Code (Ohio adoopted it). The reason the magistrate could not shoot down Mr. Hanson's motion for default judgment is because there is no record of her answering the claim, whereas Otis Jordan's case clearly states that this opinion does not apply to cases of no reply by the defendant. And if her origination documents were reviewed by an expert, I can almost guarantee that she has a claim against Chase (or whomever) for violations of federal and state statutes, not including violations of that servicer.

Her house evidently did not sell at auction. It probably did not sell because servicer Chase may have been forced by their lender to buy back the loan, whereby they would then actually have more real ownership in the loan now, also nulling any future claims Chase would have for mortgage insurance. The mortgage insurance clause usually states that Chase must buy the property at the auction for them to obtain their claim for mortgage default, hence losing no money as crook servicer. But listen, the mortgage insurance company (probably one of AIG's companies) likely voided any future claim.

It is so ordered.

Here is the article:
http://blog.cleveland.com/metro/2010/10/cleveland_councilwoman_hopes_t_1.html

There is a quote in the article of Ms. Cleveland claiming that Chase is negotiating with her. In actuality, the only reason Chase would ever actually modify anything is because this case has received some attention and lights, so they might want to look nice. The fact though is that no bank actually wants to modify or correct a damned thing. I have recordings on youtube of my own case with Bank of America for example, and many, many cases of people saying they got burned by an alleged negotation with a bank. I know of ONE case of a man who received a modification in California, but they are still in the trial period in the first year. I also know of one case in Cuyahoga County (last name Banks) that involved a modification, but his case was so blatantly filled with prejudice against him because he is black and in a wheelchair that the entity had to appease him, yet the entity still burned him with a bad deal although there is no record of a new foreclosure filing.

DISCLOSURE:
I am not an attorney. I am a former banker. I have been blowing the whistle about the bank's fraud for years. The regulators and law enforcement are encouraging the bank's fraud.

Obama talking 'Jesus'

2010-09-29T08:13:00.000-07:00

Barack Hussein Obama, who is still playing the card of being both a Muslim and a Christian, is making ground in at least professing Christ.

I think one of the reasons he won the election is because he quoted more Scripture than any other candidate, except for Alan Keyes. Obama not only quoted more Scripture than anybody else, but he spoke the name of Jesus Christ more than anybody else, again with the exception of Alan Keyes. God always finds a way to get His Name out there.

But don't be deceived.

He is not living for Chrst. His fruits, obviously nobody is perfect, do not line up with God's word. I believe though there is hope for his repentance and conversion to be an authentic believer in the Lord Jesus Christ. Let's not forget he is playing the role of president of the corporation of the United States of America, which is a very powerful position, which position begs much wisdom and strength from at least a higher power, usually being the One Almighty God. The position is automatically inspired by God, per Romans 13, whereas God ordains the government, which means that He uses the government specifically to bless or curse the people based on the people's actions and faith (in America's case, we've been under a curse for many years). When the righteous are in rule, the people rejoice, is what a famous proverb says. Anyway, that position demands some kind of trust in God (Jesus Christ).

McClatchey Newspapers reported of a speech by Obama yesterday:

"As somebody who relies heavily on my Christian faith in my job," he said, "I understand the passions that religious faith can raise."

He sure doesn't act like one, actually not much different than Bush. And ...

"I'm a Christian by choice," he told a woman who asked why he's a Christian. "My mother was one of the most spiritual people I knew, but she didn't raise me in the church.

"So I came to my Christian faith later in life and it was because the precepts of Jesus Christ spoke to me in terms of the kind of life that I would want to lead — being my brothers' and sisters' keeper, treating others as they would treat me."

Uh, like the other one, Bush, he supports the murder of unborn babies, supports the death penalty, supports government-forced health care, supports the sin of homosexuality, supports tax increases without representation, supports bank rule, supports government welfare of "education," and so much other wickedness: So he's not doing that great of a job o "leading."

Obama has been a man without a regular church ever since he resigned from the Trinity United Church of Christ in Chicago in 2008. Obama's membership in that church had become a political embarrassment after videos came to light showing racially inflammatory and anti-American sermons by pastor and Obama friend Rev. Jeremiah Wright.

Obama's refused to join a church in Washington, and rarely attends services, saying he doesn't want to disrupt the congregations. He does consult with pastors and preachers personally, but has shied away from public discussions of his faith — at least until now.

Actually, we encourage people to get away from churches as well, though it is because the churches bring people down in their support of hypocrisy. I am glad he is not going to church because he won't get indoctrinated as easily. Most of them are wicked cults.

Talking 'Jesus' is certainly a more popular thing to do. It's difficult to deny anything in the Bible and any of the works of God. I was raised atheist, so I know. I had no standing in arguing for evolution. I had no standing in arguing that abortion could be a good choice for the child. So people confess Christ, obviously because they know it is the right thing to do. They need to LIVE FOR JESUS. For crying out loud, Senator John Kerry himself quoted from the book of James as a Catholic that faith and works go together. John Kerry being the liberal he is, certainly is not following Christ, nor is Obama, but there is still hope for their repentance.

We pray for him and his family.

The NCAA example

2010-09-16T10:47:00.001-07:00

My county here in Cleveland, OH has been getting much exposure for corruption, namely bribery by certain Democrat politicians (although Republicans do it too in this county and everywhere else for that matter).

The National Collegiate Athletic Association (NCAA) rightly stripped Reggie Bush of his Heisman Trophy recently because he was paid (bribed) to go to USC, which is against NCAA policy. The NCAA determined that Reggie Bush was void of winning the trophy because he cheated, which is fair, in my opinion.

If there were a new election for that Heisman Trophy today, Reggie Bush would probably receive zero votes because people now know about what happened. Ultimately, he should not even be allowed to be on the ballot.

I truly believe that if Jimmy Dimora or Frank Russo or any of the Democrat or Republican crooks were to run for office right now, they'd be elected by the voters, unanimously.

The voters want things. They wants "job." They want "health care." They want government's supplied welfare "education schooling for their children" (the children end up being kids). The voters want their abortions to be paid by the collective. It is the voter, I keep learning, who must repent. We the people must bring "repentance" to the voter.

Voters of the Heisman Trophy winner do not care about what is in it for them. They just vote for the best college athlete; that's it.

It's the system.

The NCAA does not want to be bullied by big money. They did not tolerate the breaking of their rules.

My county is going above and beyond tolerating corruption. Prosecutors are literally legitimizing bribery of cash, sex, and cocaine (Oxycontin too) of so many other politicians by only targeting the big name Democrats. Oh, and the feds are completely ignoring the Republicans, which is politically strange. All the other crimes by the named Jimmy Dimora and Frank Russo are also being legitimized, which is sad. The NCAA is not slack in administering their own rules.

If the NCAA can make the right call to allow nobody to receive that Heisman Trophy and to view Reggie Bush's performance as null and void, then why not see the work that these county officials did as being null and void. I wonder what kind of bribes Christopher Kennedy gave to get his communist Medical Mart into the county? That should be null and void at a later time just because these crooks have done what they've done. All contracts should be examined to see what should be null and void.

Summon our county reform, which passed by the obtaining of signatures and a vote by the people; this should definitely be null and void, especially considering I warned both the FBI and County Sheriff of the fraud associated with the petition gathering. (This "county reform" is a new style of government, which I supported the first time around when we did not obtain enough signatures.) Funny how I was not asked to petition this time as opposed to the first time; they knew I would have blown the whistle immediately.

The county reform should also be void. It has no standing.

People have this crazy idea that somehow we are going to have more ethics in the county government now because certain people are being removed and because of the new county government. Listen, it's the system. New style, new people, same system, same voters, little repentance.

Finally, if one will even care to ponder the NCAA's example, why not go even further and ponder the example of Christ. His word, the Holy Bible - King James Version is the best translation - is very clear on how we should act and what government's role is. Government must govern, rather than give hand-outs.

All of the county corruption, at least what we know, is a result of government providing stupid services for the people, which services are deteriorating the free marketplace.

Free credit monitoring for some Countrywide customers

2010-08-24T06:33:00.000-07:00

If you provided personal information or made mortgage payments to Countrywide before
July 1, 2008, you could get benefits from a data theft settlement.

A settlement has been reached with Countrywide Financial Corporation, Countrywide Home Loans, Inc., Countrywide Bank, FSB, Full Spectrum Lending Division, and Bank of America Corporation (together called “Countrywide” or the “Defendants”) about the theft of personal and financial information from their customer databases.

The settlement offers credit monitoring and cash reimbursements of out of pocket expenses and identity theft losses to eligible people whose personal and financial information was stolen.

Those included in the class action, together called a “Class,” have legal rights and options, such as excluding themselves from the settlement, objecting to it, or asking to speak at the hearing.

The Court in charge of this case still has to decide whether to approve the settlement. If it does, and after any appeals are resolved, benefits will be distributed to those who submit qualifying claim forms. Please be patient.

Here is a link for Countrywide Financial Corporation Data Theft Settlement:
https://www.cwdataclaims.com/

Here is the Form
https://www.cwdataclaims.com/ClaimForm.aspx

It's not a big deal for this little class-action, but it's fair. There are bigger lawsuits out there for misrepresentation during origination and servicing and negligence in modification processes. Also, most of their friends are also getting nailed including their attorneys. I urge former Countrywide customers to seek help from attorneys for their crime, whatever that crime might be, because Countrywide was a whore of crime.

FYI, the kind of crimes that happened by the specific defendant, Rene Rebollo, who formerly worked at Countrywide, is extremely common. Evidently, the person was charged with stealing 20,000 "leads" a week (totaling nearly 10 million) to sell to others, whereby the Defendant and another person allegedly made $50,000 on that information. (Employees of banks often obtain information - usually through printouts though instead of using a hard disk - to make money on the sale of that personal information from another Loan Officer, Financial Advisor, Business Banking Officer, or whatever.)

Having worked in the industry, I know of people who did that whole data theft thing as well, but certainly not the same kind of volume. This kind of stuff happens everywhere: Wells Fargo, US Bank, Fifth Third Bank, Charter One, PNC, Chase, Quicken Loans, etc.; many mortgage brokerages feed on these kind of leads. You have to wonder sometimes if the regulators and law enforcement are a part of it because it seems they go beyond tolerating this thug practice. The financial institution executives also tolerate the crime, which further makes one wonder if they are doing this as well.

Does Palin know something

2010-08-01T19:32:00.000-07:00

Former so-called governor of Alaska, Mrs. Todd Palin is trying to argue Barack Obama does not have testicles, or lack thereof.

Seriously, the Washington Post quoted her today saying that 'Arizona Gov. Jan Brewer (R) has "the cojones" that President Obama "does not have" to take on illegal immigration.' Personally, I am wondering what this Palin character knows about Mr. Obama and Ms. Brewer. America certainly has been getting stranger, but Brewer and testicles? Obama and no testicles, or merely not as many testicles somehow as Brewer?

Let's see here, she left her family and her man to go run with a guy named John, maybe she knows something about Barack Obama that we do not know.

We all hear the word cojones from time to time. Even right now the word is underlined in red as I type, so something is up with it. I went to the dictionary to verify it was spelled correctly to find Oxford does not even have the word. But other dictionaries have it. Obviously, it is known for "nerve or courage." But it is imperative to understand its real meaning; every dictionary uses the word "testicles." There is no American slang word for one testicle, which would be cojon.

Cojones is a 20th century word derived from the Spanish word cojon (singular). It means testicle.

Why does this Palin need to talk about the testicles of a man. I wonder how her husband feels about this. Why is she talking about a woman in Arizona. Does she miss John McCain. How did millions of people vote for such a clueless character. (I voted for Alan Keyes.)

This Palin character will do anything to get attention. That person has very little character or dignity, led by that Todd goof.

I certainly do not support Obama's policies, but I hope the Palin's apologize and repent.

Ohio foreclosures: There is real hope

2010-07-31T09:23:00.000-07:00

There is a real and honest way to handle foreclosures in Ohio. Beware though, there are devils that come in the form of light.

This article is absolutely absurd; it has no standing except failure:
http://www.loansafe.org/how-to.....re-in-ohio

The author of that article gives some tips, one of which is "Save the Dream." Listen, the government is trying to help homeowners modify fraud; its end is destruction; they are in bed with the banks, which banks want to foreclose. Banks do not want payments because they want big chunks of money (auction), as they are insolvent now.

The author also recommends mediation. Mediation though is a trap.

Proof:
I personally went to mediation in multiple cases; mediation is a trick house:
http://www.youtube.com/watch?v=YdKlYZtqpmw

The court does not care about the victim because they 1) do not read arguments and thus do not understand 2) are being paid by the banks 3) the banks' attorney is in their chambers and courtrooms all day long, then drinking with the staff attorneys, bailiffs, and judges at the end of the week. The banks do not care about modification or even being a friend with the homeowner because their attorney has a job to do and has to eat, so they want to get paid; thus, they need collection, which happens in the sale at auction.

As for the author's recommendation of short sales, ha, I went through one of those too. Don't negotiate with the terrorist banks.

As for deed in lieu per the article, again, don't negotiate with the thugs. They drag it on to try to get summary judgment, whereby they will come after other assets you may have.

It is not just me; this is happening to everybody.

-------------

There is hope though.

Thank Wells Fargo ...

WELLS FARGO v. JORDAN

1) You must hire an attorney. 2) It is highly likely that the entity trying to foreclose does not even have standing because the mortgage may be in the name of MERS, the wholesale lender's name (mine was both MERS and America's Wholesale Lender - C'wad, but no proof that Bank of America had the mtg in ISAOA), perjury in the bank's assignments, or some servicer is trying to foreclose without proof of "due course." In many cases, the Trustee of the Pooling and Servicing Agreement where your note is held or servicer is trying to enforce, but they have no standing pursuant to Wells Fargo v. Jordan. (The intent of law behind Wells Fargo v. Jordan was merely crystalized by an appeals court, but had already been law, which law was previously ignored by courts.)

IF the bank is actually clean in standing - which probably happens in less than 10% of cases - then you must demand discovery. Don't make the mistake I made by getting knocked around with the argument of "voluminous." Demand discovery! Make them prove they did not commit fraud; nearly 100% of these foreclosures are filled with fraud starting at origination of the note and continuing with their perjury in court. The bank attorneys are worse than snakes they do not care about freedom, freedom of choice, honesty, or integrity, and they certainly do not know how to litigate. The banks do all they possibly can to get either a fraudulent default judgment or a fraudulent summary judgment, inhopes the court will ignore facts.

There, I just gave you millions, probably billions of dollars of information. I am not an attorney. In one of my personal cases, as soon as Wells Fargo v Jordan was mentioned, the attorney for the bank errr servicer errr fraudster tucked their head in their shell and stopped arguing, yet I still followed through with my short sale. They're awaiting a lawsuit still though for their negligence and perjury in court. Oh, and if you lost your house five years ago to the wrong entity entitled to enforce the note in due course, then you could still possibly get your house back, so long as you argued standing or ownership of the note/mortgage any time in the trial court; this would be a separate action - not an appeal of course.

Thank Defendant Otis Jordan (2009, 8th district appeals, and the court they call Supreme - Chief Justice Moyer coincidentally died shortly after he said "no jurisdiction") for helping you defend yourself. Your counterclaim shall be heard per your new leverage of having no claim against you; you should be able to get damages for the TILA violations in recoupment as well as negligence, the doctrine of unclean hands and fraud.

Listen people, I got smoked in court. Don't make the mistake I made. I did not know all this.

The courts today are disgusted with the perjury, tampering, and document manipulation by the banks; they are tired of the overload on their docket. Yes, their friends are the banks, but there is a serious increase of in-fighting. I do not know how else the innocent get their justice. "To do justice and judgment is more acceptable to the LORD than sacrifice" (Proverbs 21:3). Sacrifice is the modification of fraud, short sale, a dirty settlement, deed in lieu. Justice and judgment is prosecution against the banks and their attorneys and real relief for damages.

BP's big owners

2010-07-30T21:18:00.000-07:00

If you really want to boycott BP, then you should probably consider and include their owners:

Top Institutional Holders
Holder Shares % Out Value* Reported
WELLINGTON MANAGEMENT COMPANY, LLP 34,841,626 1.11 $1,988,411,595 Mar 31, 2010
BARROW, HANLEY MEWHINNEY & STRAUSS, INC. 16,700,677 0.53 $953,107,636 Mar 31, 2010
BANK OF AMERICA CORPORATION 13,905,449 0.44 $793,583,974 Mar 31, 2010
STATE FARM MUTUAL AUTOMOBILE INSURANCE CO 13,052,048 0.42 $744,880,379 Mar 31, 2010
PRICE (T.ROWE) ASSOCIATES INC 12,442,139 0.40 $710,072,872 Mar 31, 2010
MORGAN STANLEY 11,224,852 0.36 $640,602,303 Mar 31, 2010
FMR LLC 7,854,986 0.25 $448,284,051 Mar 31, 2010
Tradewinds Global Investors, LLC 7,436,248 0.24 $424,386,673 Mar 31, 2010
GATES (BILL & MELINDA) FOUNDATION 7,133,000 0.23 $407,080,310 Mar 31, 2010
WELLS FARGO & COMPANY 6,729,517 0.21 $384,053,535 Mar 31, 2010

Top Mutual Fund Holders
Holder Shares % Out Value* Reported
VANGUARD/WINDSOR II 13,607,551 0.43 $709,633,784 Apr 30, 2010
FIDELITY DIVERSIFIED INTERNATIONAL FUND 10,530,000 0.34 $452,263,500 May 31, 2010
VANGUARD SPECIALIZED-ENERGY FUND 8,890,400 0.28 $463,634,360 Apr 30, 2010
VANGUARD/WELLINGTON FUND INC. 7,136,000 0.23 $379,706,560 Feb 28, 2010
VANGUARD/WELLESLEY INCOME FUND 4,657,000 0.15 $265,774,990 Mar 31, 2010
HARTFORD CAPITAL APPRECIATION FUND 4,496,200 0.14 $193,111,790 May 31, 2010
PRICE (T.ROWE) EQUITY INCOME FUND 3,698,700 0.12 $211,084,809 Mar 31, 2010
American Beacon Large Cap Value Fd 2,355,800 0.08 $101,181,610 May 31, 2010
FMI LARGE CAP FD 2,146,000 0.07 $122,472,220 Mar 31, 2010
PRICE (T.ROWE) NEW ERA FUND 2,114,473 0.07 $120,672,974 Mar 31, 2010

Palin continues in lies

2010-07-24T19:00:00.000-07:00

She still doesn't get it. Or maybe she does, but is hiding behind the guise of not getting it.

She was clearly using her SarahPAC, the Political Action Committee she created, and no disclosure to fund her personal legal battles in Alaska. In her own words via the email below, she admits the legal attacks are personal, in that, they are not related to her campaigning, which campaigning would have been regulated by the FEC, clearly not a state thing. She gave the false sense to donors though that people were donating to her political campaign when in reality the money was going to a legal defense fund. There seems to be nothing wrong with the legal defense fund, but she did not advertise it that way. She was required to give the money back to the donors recently according to an ethics ruling, which is an issue in and of itself, but the email below depicts a little more of the real fraudster that she is; she is slowly explaining more of what she is really doing, whereas she knows what she is doing.

The email is from about a month ago. I spent time reading it and reading it and reading it. I talked to the executive director of the Democrat Party of Alaska. I investigated her Web site (to see it change and change and change).

Here is her "PAC" site, which is finally honest as of 7/24/2010 and legitimate with regard to disclosure (according to the little knowledge I have of FEC) in what the money is being used for, especially the FAQ page:
http://www.sarahpac.com/

Here is the email advertisement.

Monday, June 28, 2010 11:08 AM
From:
"Sarah Palin LDF"

Dear ,

Sarah Palin’s enemies have scored another victory in their vicious campaign to smear, bankrupt, and force this dedicated public servant and conservative leader out of politics!

They have successfully questioned her prior legal defense fund--a fund that mirrored John Kerry's fund and Bill Clinton's fund. So a new fund was necessary to make sure Sarah Palin can continue to speak the truth to Americans.

As you know, Governor Palin made the painful decision to resign last summer rather than waste the good people of Alaska’s time responding to the more than 27 frivolous lawsuits filed against her and her family by left-wing extremists.

Now her enemies say she’s not even allowed to defend herself.

, will you stand with me and The Sarah Palin Legal Defense Fund today as we fight to defend Governor Palin from this latest attack?

Alaska is perhaps the only state in the U.S. where the Attorney General does not routinely represent the governor when accusations and complaints are filed against the governor under the operative ethics statutes. This means that the governor has to personally pay for her or his own defense.

That means not only was Sarah Palin required by law to respond to each and every frivolous lawsuit filed against her by left-wing activists, but she also had to personally foot millions of dollars in legal bills to defend herself from this massive witch hunt.

My friend, that’s money Governor Palin simply didn’t have on a state salary.

So some of Sarah’s closest friends decided to put together a trust fund to help her pay the legal fees to rebut these relentless, frivolous lawsuits.

They called it the Alaska Fund Trust, the “official legal fund” for Governor Palin.
In fact, they added the words "official legal fund" so that supporters would know it was not just approved by the family, but that it complied with disclosure requirements, had professional management, created limits on who could donate and how much could be donated, and a variety of other restrictions that made it a very conservative and limited trust.

The word "official" was used to distinguish the Alaska Fund Trust from other legal defense funds that were starting to pop up and no one knew if these would comply with disclosure laws, lobbyist restrictions, etc.

But now - because she used the word "official" - an independent counsel decided that the Trust "violated" the Alaska Executive Branch Ethics Act and now requires the Trust to send back every single donation raised by the defense fund while she was governor.

The left-wing media wants you to think Governor Palin is an "ethics violator." But they ignore the actual findings that Governor Palin acted in good faith and relied on a team of expert trust lawyers to set it up.

They ignore that Governor Palin stated one overriding principle: if the trust fund could be lawfully set up, she would support it. That is hardly the action of a person bent on skirting the law, contrary to the hysterical commentaries. But they ignore the truth and prefer to propagate lies about Sarah Palin.

, this ruling is nothing but a political hatchet job designed to embarrass Governor Palin, destroy her financially, and smear her good name. But YOU can help restore her good name!

What they DON’T want you to know is that:

* The National Democratic Committee used its Alaska chapter, the Alaska Democratic Party (ADP), to create a web site with one stated goal: “Keep Sarah Palin Out of Public Office.” To this day, the Democrats are using this web site to publicly seek donations for funding bogus “legal challenges involving issues related to Sarah Palin.”

* The ADP’s “Keep Sarah Palin Out of Public Office” campaign has used our own legal system to sponsor over two dozen ethics complaints against Governor Palin. Yet out of 27 complaints, 26 have already been dismissed!

* Last but not least, the so-called “independent counsel” who started this investigation was an attorney from none other than President Barack Obama’s law firm.

My friend, this is a witch hunt, pure and simple.

So today we are starting over. Her legal bills are still there and growing. Will you please help her and give your very best gift to The Sarah Palin Legal Defense Fund today? It is urgent that we help relieve this crushing legal burden.

Yours truly,

The Sarah Palin Legal Defense Fund

P.S. When Governor Palin complained about Barack Obama’s law firm having a conflict of interest during the investigation, they were replaced by attorney Timothy Petumenos, whose public records show repeated financial contributions to Democrats running for Alaskan office. You tell me what’s going on here! We need your help!

This message was intended for: jwerner79@yahoo.com
You were added to the system June 28, 2010. For more information
click here.
Update your preferences | Unsubscribe

The Sarah Palin Legal Defense Fund | www.SarahPalinLegalDefenseFund.org | info@sarahpalinlegaldefensefund.org

645 G Street | Suite 100 # 711 | Anchorage, AK | 99501

©2010 The Sarah Palin Legal Defense Fund

The email uses the fear tactic that if she does not get help now, then enemies will continue to falsely attack her as a target. In actuality, she is a liar; she was not honest about her campaign dealings. The "attacks" against her are mostly legitimate; it is what it is.

Hillary Clinton, whom I also did not support, was at least able to be honest with the debt that was still remaining from her campaign, whereas she and her husband campaigned after the election to pay it off. This of course though was related specifically to the political side of things, different than legal stuff. Point is she was honest.

Anybody involved in politics know that Sarah is a crook, as well as her friend John McCain. The political consultants see right through her. I believe other authorities are catching on. And let me say this; there must be much more going on behind that smoke that we do not even know about, especially again considering what the political consultants know.

She has been knocked for not being a real pro-lifer, yet she argues they are false attacks. Problem is she really is supportive of abortion.

9/30/2010 interview with Katie Couric

http://www.youtube.com/watch?v=sEZITdTFfPY

"I would like to see a culture of life ... if you're asking though if anybody should end up in jail for having an abortion: Absolutely not. That's nothing that I would ever support."

On birth control ... same interview
"I'm all for contraception ... and it should be taken."

But to the right group, she will vehemently speak against birth control.

And about evolution ... same interview
Q: Do you believe evolution should be taught as an accepted scientific principle or one of several theories?
A: Oh, I think it should be taught as an accepted principle.

Yet she is pro-God and claims to support creationism. This person has no backbone just like her husband. Typical politicians. McBush, Palin, etc. They all run together.

Ombudsman: ESPN compromised trust of its viewers with LeBron "The Decision"

2010-07-22T17:51:00.000-07:00

"ESPN should never have traded inventory for access or allowed a subject to select his inquisitor," he writes, "and if that meant losing the exclusive, so be it."

This is certainly worth the read.

http://sports.espn.go.com/espn/columns/story?columnist=ohlmeyer_don&id=5397113

L-shaped recession explained by Bank of America's fraud

2010-07-19T07:47:00.000-07:00

Bank of America (BAC) shareholders are taking a complete and total beating right now, and they don't even know it.

The mainstream media is doing a good job of keeping this quiet (they do not want to lose advertisers): Bank of America is getting sued state after state, individual by individual, and the cases are legitimate. The state of Oregan itself is coming after Bank of America for fraud. A law firm, which firm has been attacked by the United States Department of Justice and Federal Bureau of Investigation, United Law Group, has been trying to modify loans, whereas they have slowly been turning from the stupidity of modifying fraud to simply recover real damages.

Fifteen people have filed suit in the state of Texas with arguments of BAC violating federals statutes in lending and their own state-specific laws. Please understand that Bank of America is only one of the thousands of banks that have thie common problem. They are merely a big and easy target for me to use as an explanation. Plus, I have a $45 billion problem with them, not including other things.

The ironic part of the lawsuits is that the strategy of Bank of America has been to either sit back hoping they can keep whatever sticks to the wall or give up simply by doing a quiet claim of title instead of collecting monies owed on loans that are backed by the house. The battle of debt has turned into a game of chess. Ridiculous.

This is absolutely crazy.

BAC obviously uses their attorneys to get in bed with judges, but they are also getting in bed with the opposing attorneys. That has not succeeded, so they are getting in bed with other companies in the Pooling and Servicing Agreement (PSA) in hopes to cover the fraud they purchased.

It does not seem so in this case:

“… a systematic home loan servicing scheme that includes hours of telephone runaround, misleading and inconsistent information, lost correspondence, verbal abuse, and extensive delay, all of which have documented costs not only in terms of money, but in health. The facts in this case reveal the harsh reality that underlies the loan servicer’s press statements about loan modifications and forbearance agreements following collapse of the U.S. housing market.”

Damages

Plaintiffs suffered damages including, but not limited to loss of credit, foreclosure, emotional harm, embarrassment and humiliation. Plaintiffs’ damages were proximately caused by Defendant BAC’s noncompliance with the requirements of the mortgage servicer provisions of RESPA.

Defendant BAC has engaged in a pattern and practice of non-compliance with the requirements of the mortgage servicer provisions of RESPA, and Plaintiffs seek $1,000 in statutory damages per violation.

Plaintiffs seek attorney fees under 12 U.S.C. § 2605(f)(3).

Count Two: Breach of Contract – Loan Modification Agreement

Count Three: Breach of Contract – Forbearance Agreement

Count Four: Breach of Contract-Promissory Note and Deed of Trust

Count Five: Violation of the Texas Property Code

Count Six: Breach of Oral Contract-HAMP Trial Modification

Count Seven: Unreasonable Collection Efforts

Count Eight: Intentional Misrepresentation

Count Nine: Texas Debt Collection Act

REQUEST FOR RELIEF

A home is uniquely valuable. It is the largest investment many low income Texans will make in their lifetimes, and provides one of the few opportunities for low income Texans to build wealth. But a home is also where many of the Plaintiffs and other low income Texans raise their children and accumulate their memories. Misrepresentations that jeopardize a borrower’s home are unconscionable and the damage is irreparable. Defendant BAC’s misrepresentations to borrowers are systemic in nature and widespread in practice. Plaintiffs therefore ask that this court:

(1) Enter a temporary and permanent injunction that Defendant BAC, including its agents employees and contractors, refrain from practices, policies, and plans that result in or increase Defendants’ misrepresentations, errors, falsehoods, barriers to timely, accurate communication with Plaintiffs which are identified by the Court through the course of this litigation;

(2) Award each individual Plaintiff their actual, statutory, and exemplary damages;

(3) Award Plaintiffs their costs and attorney fees; and

(4) Grant such other relief as Court finds necessary and just.

Here is the complaint:
http://txhousingjustice.files.wordpress.com/2010/04/bac-suit.pdf

One of the biggest problems of these lawsuits involving debt is the counterclaim. The plaintiff banks can rarely get more in any kind of judgment other than what they claim is owed, which dollar amount is much higher in their lies anyway than the truth, but still not nearly as high as what the claim against the bank is.

Banks are surrendering debt because they do not want to fight the lawsuit. They do not have much leverage in their argument, plus they are already insolvent as it is.

In Bank of America's case, they usually have little to do with enforcing the note, which note is owned and held by some lender way down the line. They throw their papers up in the air and say, "Blame Countrywide, not us; we did not originate that fraud," whereby they are actually admitting to the fraud. Yet, they are trying to collect because of "Its Successors And/Or Assigns" ISAOA whether or not they even have a right to the note and/or mortgage.

When BAC argues it was not them who committed the actual fraud and federal and state violations, they then open themselves up to: "Ok, so then what is your role in this matter if you do not want Countrywide's loans as ISAOA."

Hence, the end game.

Attorneys on both sides get pissed off (they get hungry), look at each other and say, "You haven't gotten paid yet and we haven't gotten paid yet." (Most attorneys for banks do not get paid until actual collection of actual funds while most debtors actually pay their attorneys, but not as much as a creditor attorney could make.)

This is silly.

"If we modify the loan, then the borrower will default in about six months on that modification because the loan was originated in fraud by the predator (creditor), so let's not modify, but I can't keep arguing the obvious fraud anymore because we are going in circles." See the movie The Civil Rule

I personally experienced a unique matter with Bank of America in their servicing fraud as well. In my case, the homeowner's association has been messing around with owners because they were broke, so I was one of their targets. Bank of America absorbed Countrywide's loans, but BAC had no right to those loans as a matter of law in Ohio and now a matter of Wells Fargo v. Jordan: Bank of America was not on the mortgage at the time of the filing of the lawsuit. Nevertheless, BAC worked a short sale agreement with me verbally, but they tried to capitalize on it in different way. I wanted to sue BAC and the Condo Association and two specific members of the HOA Board, as well as our HOA attorney. You get to the drawing board, look at your attorney, he looks at you, you look back: Is it worth arguing for years and years while forking out hundreds of dollars an hour for attorney's fees. My loan with Countrywide or BAC or whomever they want to call themselves now was less than $50,000, probably one of the smaller loans in the country. I remember when we had to wait for an exception from the bank for the loan amount being lower than their minimum loan amount. So we're talking about arguing over less than $200 a month for the bank and about $250 for the HOA, yet the damages against those two parties could have easily exceeded not only the argued loan amounts, but even into the hundreds of thousands of dollars. So now we're going to chase possible dollars on which may or may not be collectable, depending on other entity's solvency? Hilarious.

In my particular case, we settled. Both the HOA and Bank of America were standing on air, but I let it go. In my case though, I am still open to a claim against all parties involved; I'm still a free agent, so we're sitting on it. But it's silly anyway.

This is causing more problems. Summon the issue of an L-shaped recession.

There was the W-shaped recession, but what if it stays down. It certainly cannot go back up again considering nearly everybody is losing value, value they once had in dollars. Debt is losing value now too because creditors cannot do much with its origin of fraud and its counterclaims. We have a world-class mess.

The debt is not servicable. The debt is not performing.

America manufactures computers, which are still actually manufactured in different countries. America likes to buy its energy from different countries. America likes to modify and manipulate its food, which is making it even sicker. It's the perfect path for an L: And worse the Great Depression 1. Again, thank the banks errr politicians.

Z to South Beach

2010-07-13T19:28:00.000-07:00

Dear Miami,

You know what, take my dog too. And while you're at it, just go ahead and pull Mark Price out of retirement to fill your point guard spot and put Austin Carr on your bench for a backup. Anything else you guys want?

hahaha - Z is going to South Beach too.
http://www.cleveland.com/cavs/index.ssf/2010/07/zydrunas_ilgauskas_will_join_l.html

Anyway, in the article, Mary Schmitt Boyer quoted somebody named LeBron James from his Twitter page:

"Welcome Big Z. Glad u are joining me in South Beach my friend. Also thanks for the encouraging words big fella," James wrote.

Memo to the guy who wrote the tweet for LeBron:

Z, at 7'3" did not play like a "big fella" when I played ball with him and Shawn Kemp during the Lockout more than ten years ago, and I'm nearly two feet shorter than him; he shot more 3s than he did posting up down low on 6'10" Shawn Kemp, although he did school him - and here we are now and he plays like lesser of a big man.

But Z knows where home is. Although he is going to the wrong team to win a championship, he will be highly welcomed here in Cleveland for many more years.

Kobe or Quitter?

2010-07-12T15:47:00.000-07:00

To go along with that, one of my favorite videos:

Our Betrayal

2010-07-11T09:28:00.000-07:00

Little LeBron James, raised without his daddy, grew up to know basketball.

Basketball was his escape. I met LeBron when he was still considered a juvenile (although only five years younger than me). He, like many basketball players, resorted to basketball because that is nearly the only place where he could find respect.

Most children today in America are raised in a broken family. One-third of chldren are raised without a father.

Northeast Ohio embraced the nurture of LeBron. All of Ohio got involved toward his mid-teens, then nearly the entire sports world began to raise him in his later teens while still in high school. LeBron did not work on a farm for years and years; he did not fish with his parents on a weekly basis; he did not physically build his family's first home with his parents: He did what most children would do with his talent - he entertained himself and witnesses in the game of basketball.

Cleveland, in its despicable morality, created a monster.

Their king, their chosen one, could do no wrong. The City that was not even able to boast that more than half of the government-schooled children graduate high school, bowed to this young Akron boy.

Clevelanders, burned by the shot, the drive, the fumble, the error, and so much more, eagerly and desperately turned from the character of a Lenny Wilkens-led basketball team with the likes of North Carolina's Brad Daugherty, George Tech's Mark Price, Craig Ehlo, and Larry Nance, failing to respect its own.

"My baby's momma" is what he proudly calls his girlfriend, yet very few witnesses of LeBron's greatness cared to question that lack of character or respect for a woman, the woman with whom he obviously had sexual intercourse.

We the people of Cleveland (including surrounding cities) are to blame for LeBron James. Who is LeBron James? Is it possible that he is more than the person who watches his own replays in the locker room before an interview? Is it possible he is a father and potential husband: All we saw on the billboard is his arms spread open. Is he more than an interview? What did we neighbors do to teach him that a drive to South Beach could be more exciting than marrying his girlfriend and playing ball with his children.

So this village raised the little boy. We are failing.

The family is broken in Cleveland. The family is ignored in Cleveland. It shall not be any longer. Dan Gilbert is married with children; he should know a thing or two about that.

While on the court with LeBron, I saw a superstar. Absolutely unstoppable. I see a man, LeBron James, today whom is lost, misguided, and a man whom is reaching for direction and leadership that we failed to help him get from his family.

People play pick-up games on random courts throughout their neighborhood, the way LeBron did at Cleveland State's Convocation Center back in the day, for fellowship. Sure, we want a good workout; we want to hoop; we want to compete; but there are many fun times of merely being around the people. People need people. Sure, there are fights, most of which I believe happen because the two are crying out for love. Love is what they are longing. Christ is what they are really longing.

Does Cleveland want to walk in victory for Christ or do we want to walk in misery like Sodom. The path of Sodom is like most American cities.

Cleveland should prefer to stand out rather than fit in.

So no witnessing a championship for their chosen one; what's wrong with witnessing a championship for a team, a team that has respect for God, family, children, women.

So LeBron betrayed Cleveland. Fair. Agreed.

How did Cleveland horribly betray him.

Would the 6'8" black man be respected by white racists in Cleveland if he did not have a basketball on him. Are the racists able to not be scared of the 250-pound black man if he did not have a basketball on him.

What's worse? A possible championship and loyalty to a City? Or respect, love, family, God.

Celtics 3 compared to Heat 3

2010-07-09T18:58:00.000-07:00

The year before they joined together as a team:

Kevin Garnett
2006-07 with Timberwolves
22 points, 13 rebounds, 4 assists
2007-08 with Celtics
19 points, 9 rebounds, 3 assists

Ray Allen
2006-07 with Sonics
26 points, 5 rebounds, 4 assists
2007-08 with Celtics
17 points, 4 rebounds, 3 assists

Paul Pierce
2006-07
25 points, 6 rebounds, 4 assists
2007-08 with new teammates
19 points, 5 rebounds, 5 assists

The only statistic that improved for the players is that their turnovers decreased by a few tenths of a point and their shooting percentages increased by a few points at the most (other teammates went in the opposite direction). The Celtics obviously won a championship, but it certainly was not easy even with other star players both as starters and off the bench. The team had great depth.

MIAMI HEAT

Dwyane Wade
2009-10
27 points, 5 rebounds, 6 assists

LeBron James
2009-10
30 points, 7 rebounds, 9 assists

Chris Bosh
2009-10
24 points, 11 rebounds, 2 assists

Chris Bosh is coming off his best season ever, which of course was his free agency year (still not as good as Garnett). His better years are behind him. Bosh and Wade have been prone to injury unlike Ray Allen, Paul Pierce, and Kevin Garnett before they joined together. Bosh will definitely have the biggest difficulty fitting in. LeBron came from a certain system, so all of his stats decreasing should be a given. Most importanly, they are lacking specific roles - in other words - they cannot all do the same thing. As for matchups, Wade's size at SG is certainly going to hurt them, but not many teams can come close to matching up man-to-man with LeBron, however a defense can annoy him, as Wade's style cannot complement his game the way Allen complements Pierce in Boston; Bosh, well, most teams should not have a problem going against him offensively or guarding him with their power forward.

If the Heat's three stay healthy, I still doubt any of them will average more than 25 points a game; Chris Bosh might get 16 a game.

Ok, so the Celtics team is a bad example. Evaluate the Denver Nuggets.

Allen Iverson
2006-07 with 76ers before joining Nuggets
31 points, 3 rebounds, 7 assists
2006-07 with Nuggets
25 points, 3 rebounds, 7 assists
(He averaged 19 points a game his last year with Nuggets before he went to Pistons)

Carmelo Anthony
2006-07 with Nuggets before AI
29 points, 6 rebounds, 4 assists
2007-08 with AI
26 points, 7 rebounds, 3 assists

And that Denver team only had two players. Regardless, Denver Nuggets realized this did not work, whereby this idea was quickly scrapped; AI went to the Detroit Pistons while Chauncey Billups came to Denver.

So this is my analysis. At this point, I see the Heat behind the Celtics and Magic in the East, which is without any changes at this moment. Again, this is saying the Heat do not suffer injuries; they still have no depth.

Bosh and LeBron made bad decisions. The rest of the NBA is happy right now; they know Pat Riley messed up again.

The Lakers, the Bulls, the Spurs, the Celtics all won because they had players play their roles and they had depth.

Let's win, I'm in

2010-07-08T21:46:00.000-07:00

Front page of cavs.com

Open Letter to Fans from Cavaliers Majority Owner Dan Gilbert
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Dear Cleveland, All Of Northeast Ohio and Cleveland Cavaliers Supporters Wherever You May Be Tonight;

As you now know, our former hero, who grew up in the very region that he deserted this evening, is no longer a Cleveland Cavalier.

This was announced with a several day, narcissistic, self-promotional build-up culminating with a national TV special of his "decision" unlike anything ever "witnessed" in the history of sports and probably the history of entertainment.

Clearly, this is bitterly disappointing to all of us.

The good news is that the ownership team and the rest of the hard-working, loyal, and driven staff over here at your hometown Cavaliers have not betrayed you nor NEVER will betray you.

There is so much more to tell you about the events of the recent past and our more than exciting future. Over the next several days and weeks, we will be communicating much of that to you.

You simply don't deserve this kind of cowardly betrayal.

You have given so much and deserve so much more.

In the meantime, I want to make one statement to you tonight:

"I PERSONALLY GUARANTEE THAT THE CLEVELAND CAVALIERS WILL WIN AN NBA CHAMPIONSHIP BEFORE THE SELF-TITLED FORMER ‘KING’ WINS ONE"

You can take it to the bank.

If you thought we were motivated before tonight to bring the hardware to Cleveland, I can tell you that this shameful display of selfishness and betrayal by one of our very own has shifted our "motivation" to previously unknown and previously never experienced levels.

Some people think they should go to heaven but NOT have to die to get there.

Sorry, but that's simply not how it works.

This shocking act of disloyalty from our home grown "chosen one" sends the exact opposite lesson of what we would want our children to learn. And "who" we would want them to grow-up to become.

But the good news is that this heartless and callous action can only serve as the antidote to the so-called "curse" on Cleveland, Ohio.

The self-declared former "King" will be taking the "curse" with him down south. And until he does "right" by Cleveland and Ohio, James (and the town where he plays) will unfortunately own this dreaded spell and bad karma.

Just watch.

Sleep well, Cleveland.

Tomorrow is a new and much brighter day....

I PROMISE you that our energy, focus, capital, knowledge and experience will be directed at one thing and one thing only:

DELIVERING YOU the championship you have long deserved and is long overdue....

Dan Gilbert
Majority Owner
Cleveland Cavaliers

SarahPAC's fraud

2010-06-26T08:24:00.000-07:00

Great article:

Palin Guilty of Major Ethics Act Violation: Must Return $386,000 in Contributions

http://www.huffingtonpost.com/geoffrey-dunn/palin-guilty-of-major-eth_b_624863.html

Sarah Palin must pay back to donors hundreds of thousands of dollars because she blatantly misled donors as to her legal defense fund. Thank God for a woman whom immediately exposed the fraud when the political action committee was formed.

Me, personally, I called the FEC questioning this and actually got into an argument more than a year ago with a staff attorney because I did not believe Sarah Palin was being honest. As a former candidate for Congress, I am at least somewhat familiar with PACs not being allowed to get involved in personal things and/or other corporations the way her so-called SarahPAC was doing business with her Alaska Fund.

She used SarahPAC together with her trust for a legal defense fund. Not a crime, but very unethical.

Most people involved in the crazy political world know there is nearly nothing good about Sarah Palin. The whole group surrounding her is dangerous. And John McCain went right in line by choosing a fellow crony.

Another fraud I exposed - to a specific state and the FEC - is PersonhoodUSA, led by Keith Mason and Cal Zastrow. In their case, I argued crime is probably happening; so far only one state has filed even a civil issue against the fraudsters.

Aldi's unfortunate deception

2010-06-14T13:14:00.000-07:00

Aldi is a store where we buy most of our food. Although it is not organic, their quality is far superior to any of their competitors, their prices are good, and the food is actually less toxic than food from other places in some ways.

We rarely consume milk, but we saw a sign at Aldi recently.

"No artificial growth hormones. Our milk is from dairy farmers who pledge not to use artificial growth hormones."

This statement looks and sounds very health-conscious. But there is a problem.

A statement like that can be made in hoodwink. In actuality, while it may be true that the farmers are not going Barry Bonds on their cows and avoiding popping artificial growth hormones into their cows, it does not say anything else: And there is a reason for that.

Statements like that are often purposely misleading because salesmen (stores) want to act like they care. What about the other hormones that the cow is on. Where is the proof. The milk very likely may be healthier than the garbage sold by places like Giant Eagle, Publix, et cetera, but Aldi is possibly being deceived by the farmers or they are concealing the truth themselves.

Also, what about the antibiotics.

How about the way the cows are treated.

These are important factors. There is much more that goes into what makes milk healthy than whether rBST is given to the cows or not. Ultimately though, more and more studies are proving that the best way to consume milk is in its raw form. Pasteurization and homogenization is not good for milk.

The FDA is actually cracking down on false advertising like this, even though the FDA is still weak in my opinion, and doing so for the wrong reasons.
#

Thank You Governor Crist

2010-06-11T20:34:00.001-07:00

Most alleged pro-lifers are probably upset that Governor Bill Crist vetoed the bill, but I tell you he did the right thing.

Here is a good article about the bill, which bill would require an attempted murder to view an ultrasound of the victim before the murderer would murder the unborn baby. Many alleged pro-lifers believe numbers of aborted babies would decrease if an attempted murderer saw a picture of the victim before the murder.

http://www.justnews.com/politics/23872269/detail.html

From the article:

Individuals hold strong personal views on the issue of life, as do I," Crist wrote. "However, personal views should not result in laws that unwisely expand the role of government and coerce people to obtain medical tests or procedures that are not medically necessary.

"Such measures do not change hearts, which is the only true and effective way to ensure that a new life coming into the world is loved, cherished and receives the care that is deserved," Crist wrote.

I've been saying we must simply protect the child without seeing a picture.

Floridians must work on the Personhood Amendment, which amendment to their Constitution would define a person: Including unborn babies. Children in the womb would then be protected by love and law just like people outside the womb. Murderers of unborn babies could then easily be tried and convicted of their murders.

The phony pro-lifers have snuck in unawares. They insert legislation that allows for the slaughter of unborn babies and in many cases they do not even know they are acting as accomplices for the murderers. This particular bill, which I have followed closely, was one that had those last-minute additions. I know who is behind it; they know me and they do not like me right now; many of them are the same people whom oppose personhood.

We must not regulate the slaughter and brutal murder of unborn babies or anybody for that matter. We must ensure that all people are protected and enforce the law rather than living in the prejudice of murdering some and allowing the life of others.
#

An attorney's ponzi scheme

2010-06-11T12:18:00.000-07:00

Wow. Check out this one.

To perpetuate the Ponzi scheme, defendant Rothstein and other co-conspirators defrauded clients of RRA in a civil suit initiated by RRA on their behalf as plaintiffs. Without the clients’ knowledge, RRA settled the lawsuit in favor of the defendant, thereby obligating the clients to pay $500,000 to the defendant in the civil lawsuit. To conceal the fraud, defendant Rothstein and other co-conspirators created a false federal court order, purportedly signed by a U.S. District Judge, stating that the clients had won the lawsuit and were owed a judgment of approximately $23 million. The false court order also stated that the defendant in the civil suit had transferred the funds to the Cayman Islands to avoid paying the judgment. Defendant Rothstein and other co-conspirators falsely advised the clients that to recover those funds, the clients were required to post bonds. In this way, defendant Rothstein caused the clients to wire transfer approximately $57 million to a trust account he controlled, purportedly to satisfy the bonds.

According to statements made and documents filed in support of Rothstein’s guilty plea, Rothstein and other co-conspirators used the funds obtained through the Ponzi scheme for their own benefit. This included, for example, using the money to fund and operate RRA, to make contributions to federal, state, and local political candidates, and generous donations to public and private charitable institutions. The money was also used to pay for lavish gifts, including exotic cars, jewelry, boats, cash and bonuses to individuals and members of RRA, to hire local police officers to provide security, and to provide gratuities to high ranking members of police agencies. In addition, the money was used to purchase controlling interests in restaurants and other businesses, and to socialize with politicians and sports figures.

Here is the article:
http://miami.fbi.gov/dojpressrel/pressrel10/mm060910.htm

I wonder, just out of curiosity, who the candidates were who received donations from the fraudster. Just very interesting. And who were the "sports figures?" Wade? Shaq? Ricky Williams?

My take for the Cavs

2010-06-11T06:58:00.000-07:00

This is what the Cavs should do if LeBron stays:

Starters:

G LeBron
G Anthony Parker
F Jamison
F JJ
F/C Varejao

Immediately available off the bench
Mo Williams
Jamario Moon
Z

That's it. That's all you need except for another big man, at the most. The rest will be gravy and reserves. There is nothing to add to this.

Reasoning:
1. LeBron plays like a guard although he is built like a power forward; he must play a guard position at the top, where he usually is anyway
2. LeBron gets assists like a point guard, so why not at least let him be a guard, not necessarily a point
3. Mo Williams can come off the bench to get at least 32 minutes a game in switching it up, substituting for LeBron, run the "true-point" when needed, and hit the free throws at the end of games when needed
4. Jamison, against his big size, plays like a small forward; his size will enable him to guard small forwards and now have an immediate advantage albeit his defense is not strong enough for the power forward
5. JJ wants to play and his D will help as a power forward
6. Varejao is ready to start and play longer minutes
7. I keep Z because you need a seven-footer (remember MJ's Bill Wennington, Z is better); he certainly clogs things defensively and adds a different punch off the bench down low
8. Parker is a beast defensively and he can shoot threes
9. A true point guard, like me, is not needed to win a championship. Remember Michael and Ron Harper as the guards? No true point. BJ Armstrong was barely even a true point guard. Tony Parker with the Spurs can carry the argument of being a true point guard, but even he played like an off-guard. Magic Johnson obviously was a true-point, but he was 6'9". Regardless, you've got Mo Williams when you need him anyway.

Defensively, this team can match up against anybody immediately because of the size. Offensively, not many teams can come close to matching up to them; who would somebody like Rondo guard, at his size? Coaches will have fits trying to match up.

Banking Commish asked to resign

2010-06-04T06:21:00.000-07:00

Governor Lynch of New Hampshire asked the Banking Commissioner to resign after completely blowing an investigation into a ponzi scheme, which ponzi scheme was exposed through mortgageimplode.com.

Here is about the only information you can find on the situation right now:
http://www.nashuatelegraph.com/news/756131-196/lynch-targets-banking-commissioner-for-not-stopping.html?i=1

(The State has not even issued a press release about this yet.)
I confirmed with the Governor's office a few minutes ago that Mr. Lynch did indeed request the Banking Commissioner's resignation per investigations by the Attorney General. Basically, the Commissioner did what most law enforcement does: Fail to investigate.

This situation is bringing tears to my eyes even right now. We actually see justice in progress this very minute. And it started with tears.

Something I truly enjoy and encourage is freedom of speech and the right to blow the whistle. I remember when I was prosecuted by the State or Ohio for talking to people about Jesus Christ. And there are many, many other false accusations that have been brought against me, family, and friends that really do hurt. It is very nice to see justice in this case. I pray this specific situation gets so much more attention.

Proverbs 21:3
Justice and judgment are more acceptable to the LORD than sacrifice.

Title of home returned to original owner after foreclosure

2010-05-26T06:41:00.001-07:00

HSBC stole a man's home through a fraudulent foreclosure in Florida, so the owner of the home (previous owner at this point) hired an attorney, whereas the Judge Bailey ordered HSBC to return the title of the property and wiped out the alleged balance because HSBC lied in court and ignored the Judge's previous orders.

“I don’t want apologies, I want performance. I want responsible attorneys who meet the basic standards of knowing what is going on in their files.” Judge Bailey also criticized the lenders and their lawyers for their overall “chaos and disorganization”.

This whole mess was influenced by HSBC not proving they owned the note in due course. FYI, I recently learned that nearly no bank owns the actual note or even holds it, whereas it's only serviced by the crook bank, yet owned by someone else and held in a vault by some third-party somewhere.

Here is the article:
http://mandelman.ml-implode.com/2010/05/every-time-a-judge-cancels-a-mortgage-a-homeowner-gets-his-or-her-wings/

Great video about the collapse

2010-05-22T14:26:00.000-07:00

Watch CBS News Videos Online

Watch CBS News Videos Online

Rights for the Unborn in Florida, being voices for the voiceless

2010-05-21T21:50:00.000-07:00

Winter 2009-2010

Memo to Cleveland ...

2010-05-21T09:12:00.000-07:00

... LeBron could never dream of this, let him go:

LeBron does not have the passion to step it up like this in the Playoffs. He just doesn't care.

Mo Williams has game

2010-05-10T16:42:00.001-07:00

By Jason Werner

It is not his fault.

Mo Williams absolutely has game. He can shoot. He can D up. He can dish the rock. He can take it to the hole. He can move the ball in transition.

He is wrongly being blamed for Rajon Rondo tearing up the Cavs.

Many people, especially people who do not play basketball, are trying to argue Mo Williams has no game and should now sit the bench. They must understand that basketball, especially on the defensive side, is a team sport.

A defense works together. Many defenses will push the opposing team to do something, which could arguably be to the point guard scoring a ton of points in Rondo's case. The problem with Rondo's crazy game yesterday is that he was allowed to grab 18 rebounds; that is inexcusable; the scoring, passing, and transition work is contained in the structure of the defense. Rondo of course though is a special piece of work because he is in a league of his own and requires more strategy by the coaching staff and defensive unit.

Just because a defense is playing man-to-man does not mean that the person guarding Rondo, in this case Mo Williams most of the time, should be the only responsible player. The defense is supposed to work together as one unit.

I play point guard. I know. I've played with some sick point guards. Steve Logan was probably the best I've ever played. I needed help against him, duh. I had to meet him at half-court because he could shoot wicked threes, but I needed help because he'd blow right by me every time; this is where you work with the defense for help: first don't let him shoot the three, then make sure you've got a guy or two to pick him up, but be prepared to defend the open player from your teammate leaving his guy. This is just how it is.

I've played ball with a few of the current Cavs. They know exactly what they are doing. The only area where they goofed is allowing Rondo to grab so many rebouds.

Where were the complaints after game three?

There is no need to worry about Mo. He can handle his role in the defense. The team evidently had no problem in game three.

Finally, Rondo did not beat the Cavaliers yesterday. The Cavs beat the Cavs. The Cavs had 17 turnovers, most of which led to Celtics baskets. The Cavs also shot poorly and gave up too many points to the Celtics off their own rebounds after missed shots. They still only lost by ten points.

Jesus Christ loves you. Be sure to study your King James Version Bible.
###

"One more step to the ultimate crash of paper currencies"

2010-05-10T11:33:00.000-07:00