OPEN LETTER TO BOB FERGUSON, WASHINGTON STATE'S ATTORNEY

GENERAL, RE: MORTGAGE FORECLOSURE ABUSES BY OCWEN LOAN

SERVICING; BANK OF NEW YORK MELLON; ROUTH CRABTREE OLSEN, P.S.
(RCO, P.S.); AN ATTORNEYS !OSHUA SCHAER AN LAUREN AVISON
HUMPHREYS (NOW WITH THE HOUSER " ALLISON LAW FIRM IN SEATTLE,
WASHINGTON)
July 30, 2014
TO: M#. B$% F&#'()$*, W+),-*'.$* S.+.& A..$#*&/ G&*&#+0, +*1 M#. +2-1 H(&/,
W+),-*'.$* S.+.& A))-).+*. A..$#*&/ G&*&#+0
R&: F$#&30$)(#& $4 S.&2&*) C$(*./ H$5& %/ O36&* L$+* S&#2-3-*'; T,& B+*7 $4
N&6 Y$#7 M&00$*; RCO, P.S. (R$(., C#+%.#&& O0)&*, P.S.); +*1 I*1-2-1(+0
A..$#*&/) L+(#&* +2-1)$* H(58,#&/) +*1 !$),(+ S3,+&#
Dear Messrs. Ferguson and Huey:
I have been communca!ng "!h !he #!!orney $eneral%s &''ce concernng 'raudulen! mor!gage
documen! recordngs and cour! 'lngs n (ashng!on )!a!e coun!es by mor!gage loan servcers
'or a number o' years. In my s*ec'c 'oreclosure case, llegal documen! recordngs and 'lngs
by +I,,&- +&#- )./0I1I-$ ac!ng as -omnee 'or M./) 2Mor!gage .lec!ronc
/egs!ra!on )ys!ems3 has been enabled by !he la" 'rm o' /&4,H 1/#5/.. &+).-, 6.).
and !s rela!ed com*any -&/,H(.), ,/4),.. )./0I1.). 5o!h 'rms are loca!ed n
5ellevue, (ashng!on. (ashng!on )!a!e a!!orney Davd Fennell a**ears !o be !he *rnc*al o'
!hese 'oreclosure mll 'rms.
In my earler communca!ons !o your o''ce, I made re'erence !o and a!!ached 'raudulen!
mor!gage 7#ssgnmen!8 documen!s n my case !ha! "ere recorded by !hese en!!es "!h !he
/ecorder%s &''ce n )!evens 1oun!y, (ashng!on *ror !o a 9udcal 'oreclosure ac!on. I have
o"ned agrcul!ural *ro*er!y n )!evens 1oun!y snce 1::;. (ashng!on a!!orney +#4/.-
D#0ID)&- H4M6H/.<), !hen em*loyed by !he /&4,H 1/#5,/.. &+).-, 6.). la"
'rm n 5ellevue, (ashng!on 2no" /1&, 6.).3 orgnally had !hs 'oreclosure 'le. Ms.
H4M6H/.<) and her assoca!es a! /1& reled on !hese 'raudulen! 7#ssgnmen!8 documen!s
'led by -&/,H(.), ,/4),.. )./0I1.) 2also a**aren!ly a Davd Fennell com*any3 and
a!!ached !hem !o /1&%s 9udcal 'oreclosure 1om*lan! !ha! "as 'led agans! my *ro*er!y n
)!evens 1oun!y on behal' o' *ur*or!ed clen! ,he 5#-= &F -.( <&/= M.++&- as
,rus!ee 'or a secur!>ed mor!gage ,rus!. In ac!ual!y, !he /1& la" 'rm and !s a!!orneys are
"or?ng !o 'oreclose on !hs *ro*er!y on behal' o' !her clen! !he curren! loan servcer,
&1(.- +&#- )./0I1I-$.
#!!orney +#4/.- D#0ID)&- H4M6H/.<) and@or an assoca!e "!h her 'ormer la" 'rm
/&4,H 1/#5,/.. &+).-, 6.). a**aren!ly *re*ared and recorded !he 7#ssgnmen! o'
Deed o' ,rus!8 documen! n )!evens 1oun!y 'or +I,,&- +&#- )./0I1I-$, !he *ror loan
servcer "hose *aren! com*any $&+DM#- )#1H) sold !s loan *or!'olo !o &1(.-
FI-#-1I#+ n 2011.
+I,,&- +&#- ac?no"ledged n !hs #ssgnmen! documen! recordng !ha! ! "as ac!ng as
-omnee on behal' o' 7M./)8 n order !o !rans'er !he orgnal lender%s 2.A+&#-, I-1.%s3
bene'cal n!eres! n !he sub9ec! -o!e and Deed o' ,rus! !o ,he 5#-= &F -.( <&/=
M.++&-. ,he *roblem heren s !ha! orgnal +ender .A+&#-, I-1. "as legally de'unc! and
had ceased dong busness n !he )!a!e o' (ashng!on n 200B A accordng !o (ashng!on )!a!e
1or*ora!ons Dvson and !he )!a!e De*ar!men! o' /evenue. ,hs 7#ssgnmen! o' Deed o'
,rus!8 documen! recorded by /1& a!!orneys and@or -or!h"es! ,rus!ee )ervces occurred n
2011, years la!er. 1or*ora!e regs!ra!on 'or .A+&#-, I-1. n (ashng!on )!a!e "as allo"ed !o
la*se n or abou! 200:.
M). H4M6H/.<) and her assoca!es% 2011 'oreclosure la"su! adm!s !ha! !he legal
descr*!on n !he Deed o' ,rus!, *ur*or!edly encumberng !he sub9ec! *ro*er!y, s erroneous.
,he legal descr*!on mss!a!es a *ar!cular )ec!on o' !he sub9ec! *ro*er!y en!rely. Ho"ever,
!he 'oreclosure la"su! reCues!s !ha! !he )!evens 1oun!y )u*eror 1our! n!ervene be!"een ,he
5#-= &F -.( <&/= M.++&- and me 2as *ar!es n !he 'oreclosure l!ga!on3 !o ac!ually
re'orm !he mor!gage con!rac! documen!s "!h !he orgna!ng lender .A+&#-, I-1. so !ha! ,he
5#-= &F -.( <&/= M.++&- can 9udcally 'oreclose on my *ro*er!y. I dd no! have any
mor!gage con!rac! "!h ,H. 5#-= &F -.( <&/= M.++&-. ,he mor!gage con!rac! "as
"!h .A+&#-, I-1. ,he 'raudulen! 7#ssgnmen!8 o' -o!e and Mor!gage documen!s recorded
by M./) and /1&, 6.). n 2011 clearly do no! gran! ,he 5#-= &F -.( <&/= M.++&-
any bene'cal n!eres! n !he -o!e or Mor!gage n order !o 'oreclose.
# co*y o' !he 6romssory -o!e a!!ached !o !he /&4,H 1/#5,/.. &+).-, 6.). la" 'rm%s
)!evens 1oun!y )u*eror 1our! 'oreclosure 1om*lan! ndca!es !ha! .A+&#-, I-1. s !he
orgna!ng lender. -e!her !he co*y o' !he Deed o' ,rus! nor 6romssory -o!e a!!ached !o !he
/1& la" 'rm%s 9udcal 'oreclosure 1om*lan! ndca!es !ha! ,he 5#-= &F -.( <&/=
M.++&- s a *ar!y !o !he orgnal mor!gage con!rac! documen!s. ,he co*y o' !he 6romssory
-o!e a!!ached !o !he la" 'rm%s 'oreclosure 1om*lan! 2alleged !o be a !rue and correc! co*y o'
!he orgnal 6romssory -o!e by !he sgnng a!!orney3 con!ans no endorsemen!s or allonges
'rom .A+&#-, I-1. !o ,he 5#-= &F -.( <&/= M.++&-. ,he Deed o' ,rus! *ur*or!s !o
be a M./) 2Mor!gage .lec!ronc /egs!ra!on )ys!ems3 mor!gage "here M./) s sm*ly a
nomnee 'or !he orgna!ng +ender .A+&#-, I-1.
#s you may ?no" n (ashng!on )!a!e, our )u*reme 1our! declared !ha! under (ashng!on%s
Deed o' ,rus! #c! 7M./)8 does no! mee! !he de'n!on o' a 75ene'cary8 as M./) !a?es no
loan *aymen!s and does no! 7hold88 !he -o!e or o!her mor!gage documen!s. 2Bain v.
Metropolitan Mortgage3. )m*ly *u!, M./) does no! hold any 5ene'cal In!eres! n !he -o!e
or Deed o' ,rus! !o !rans'er !o any o!her en!!y or ndvdual. M./) "as se! u* by bg lenders
and servcers !o sm*ly !rac? !he !rans'ers o' !he mor!gage 6romssory -o!e n !s M./)
da!abase. In !hs "ay, lenders and servcers have been able !o avod each 1oun!y%s recordng
'ees 'or !he mul!*le sales and !rans'ers o' !he mor!gage -o!e 2on average 4 !o 12 !mes3.
Ironcally, !he M./) sys!em has been unsa!s'ac!ory and challenged success'ully n many
s!a!es.
)*ec'cally n my case, "hle ,he 5#-= &F -.( <&/= M.++&- holds !sel' ou! !o be !he
7-o!e Holder8 n !hs 'oreclosure case "!h 7s!andng8 !o 'oreclose on my *ro*er!y as !he
6lan!'', M./) curren!ly alleges n !s da!abase !ha! 7J6 M&/$#- 1H#).8 s !he ac!ual
7Inves!or8 n !he sub9ec! 6romssory -o!e and &1(.- +&#- )./0I1I-$ s !he )ervcer.
)o "here does ,he 5#-= &F -.( <&/= M.++&- '! n!o !hs "hole eCua!onD ,he /1&,
6.). 'oreclosure la"su! and !s a!!orneys have no! ans"ered !hs Cues!on.
-e!her !he sub9ec! 200E 6romssory -o!e a!!ached !o #!!orney +#4/.- D#0ID)&-
H4M6H/.<)% /ou!h 1rab!ree &lsen, 6.). 2/1&3 9udcal 'oreclosure com*lan! 2'led n
)!evens 1o. )u*eror 1our! n 20113, !he 200E Deed o' ,rus!, nor !he curren! M./) da!abase
o' !rac?ng -o!e holders *rovdes any *roo' 'or /1&%s allega!ons !ha! ,he 5#-= &F -.(
<&/= M.++&- has 7s!andng8 !o 'oreclose on my home and agrcul!ural *ro*er!y.
Fraudulen! recordngs are a!!ached !o !he /1& 'oreclosure 1om*lan! n !he ho*e !ha! as !he
emba!!led homeo"ner I "ll 9us! "al? a"ay and hand over !he ?eys. ,ha! "ll no! ha**en.
Ho"ever, no" /1&, 6.). has handed !hs 'oreclosure 'le bac? !o +#4/.- D#0ID)&-
H4M6H/.<) 2no" a! H&4)./ F #++I)&- n )ea!!le3 so &1(.- +&#- )./0I1I-$
can a**aren!ly ram* u* !he 'oreclosure *roceedngs n )!evens 1oun!y agans! !hs *ro*er!y.
(he!her !hese a!!orneys and !her 'oreclosure mll la" 'rms come by !her 'oreclosure 'ees
hones!ly or la"'ully should alo be a ma!!er o' concern !o !hs )!a!e%s #!!orney $eneral 5&5
F./$4)&-.
I learned !oday !ha! !he named +ender on !he sub9ec! 200E Deed o' ,rus!, .A+&#-, I-1.
o"ned by 5anco 6o*ular -or!h #merca 256-#,3 s!o**ed ma?ng mor!gage loans !o
consumers n or around 9::; 2"hen !hey "ere headCuar!ered n 6leason!on, 1#3. (hle
7M./)8 s an unla"'ul bene'cary n (ashng!on )!a!e holdng no bene'cal n!eres! n e!her
!he 6romssory -o!e or Deed o' ,rus! !o enable ! !o !rans'er !he -o!e and Deed o' ,rus! !o ,he
5#-= &F -.( <&/= M.++&- 2'or 'oreclosure *ur*oses3, M./) also canno! la"'ully
re*resen! a de'unc! cor*ora!e en!!y, .A+&#-, I-1. "ho ceased dong busness n (ashng!on
n 200B A some !hree 233 years be'ore !he 7#ssgnmen! o' Deed o' ,rus!8 "as *re*ared and
recorded by /1& em*loyees and !hs 9udcal 'oreclosure "as 'led by !he /1& la" 'rm and
a!!orney +#4/.- H4M6H/.<) and her assoca!e a!!orneys n relance on !hs unla"'ul
documen!. )ee belo".
E<LOAN, I*3. C$58+*/ P#$4-0&
E<LOAN ,+) E<LIMINATE -.) 1-#&3.<.$<3$*)(5&# 0&*1-*' +3.-2-.-&) +*1
*$6 $*0/ 8#$2-1&) +33&)) .$ C) +*1 )+2-*') +33$(*.) .,#$(', -.) 6&%)-.&.
T,& ).#(''0-*' 1-2-)-$* $4 B+*3$ P$8(0+# N$#., A5&#-3+ (BPNA) ).$88&1
-))(-*' *&6 +(.$, ,$5&, +*1 $.,&# ./8&) $4 0$+*) -* 9::; +4.&# -. 4+3&1
)-'*-4-3+*. 0$))&) +5-1 -00-=(-1 3#&1-. 5+#7&.), 1&30-*-*' 5$#.'+'&
$#-'-*+.-$*), +*1 + )8-7& -* 4$#&30$)(#&). E<LOAN +..&58.&1 .$ #&).#(3.(#&
-.)&04 -* 9::> +*1 -. 3(. ?:@ $4 -.) 6$#74$#3&. B(. + /&+# 0+.&#, -.) 8+#&*.
3$58+*/, P(&#.$ R-3$') P$8(0+#, %&'+* )3+0-*' %+37 -.) US $8&#+.-$*). A00 $4
E<LOAN'S 4(*3.-$*) 6&#& .#+*)4&##&1 .$ BPNA +*1 P$8(0+#') 8#$3&))-*'
(*-., EVERTEC, -* 5-1<9::A.
,..8:BB666.,$$2&#).3$5B3$58+*/<-*4$#5+.-$*B3)B3$58+*/<8#$4-0&.E<
LOANCI*3.:1%D+4E:F%4%A4AA.,.50
(hle all o' !hese 'ac!ors have been s!arng 'ormerA/1& a!!orney +#4/.- D#0ID)&-
H4M6H/.<) 2no" "!h Houser F #llson3, a!!orney J&)H4# )1H#./ o' /1& and !her
*ur*or!ed clen! ,he 5#-= &F -.( <&/= M.++&- 2n real!y, &1(.-3 n !he 'ace, !hs
has no! s!o**ed one o' !hese unscru*ulous la"yers and !her clen! servcer 2curren!ly &1(.-
+&#- )./0I1I-$3 'rom !a?ng !hese llegal 'oreclosure ac!ons:213 'rs! recordng a
'raudulen! 7#ssgnmen! o' Deed o' ,rus!8 by M./) 'or a !henAde'unc! com*any 2!he orgnal
lender .A+&#-, I-13G and 223 !hen !ryng !o s!eal !he homes 'rom un?no"ng !housands o'
(ashng!on )!a!e homeo"ners, ncludng mysel', based on !hese unla"'ul 7#ssgnmen!8
documen! recordngs. ,he 'raudulen! M./) 7#ssgnmen! o' Deed o' ,rus!8 documen! "as
*re*ared and recorded n )!evens 1oun!y by !he /&4,H 1/#5,/.. &+).-, 6.). la" 'rm
and@or !s subsdary -or!h"es! ,rus!ee )ervces 'or +I,,&- +&#- )./0I1I-$ 2!he 'ormer
loan servcer *ur*or!ng !o ac! as a cor*ora!e o''cer o' M./)3. ,he 2011 recorded
7#ssgnmen! o' Deed o' ,rus!8 documen! "as !hen re!urned !o /1&%s -or!h"es! ,rus!ee
)ervces. 5o!h en!!es do busness n 5ellevue, (ashng!on, n close *roHm!y ' no! n !he
same o''ce. Ho" many o' !hese llegal ac!s also vola!e s!a!e and 'ederal deb! collec!on la"sD
&1(.- s a !hrd *ar!y deb! collec!or. )nce ,he 5#-= &F -.( <&/= M.++&- s no!
!he orgnal lender n !hs case, /1& and !s 'oreclosure mll a!!orneys are !hrd *ar!y deb!
collec!ors. &1(.- and /1& have been !hrea!enng 'oreclosure on my home snce 2011 A 'or
nearly !hree 233 years.
,he M./) 7#ssgnmen! o' Deed o' ,rus!8 documen!, recorded by /ou!h 1rab!ree &lsen, 6.).
n 2011 'or 'oreclosure *ur*oses sho"s !ha! ! s a 7M./)8 ac!on on behal' o' !he 2!henA
de'unc!3 orgna!ng +ender .A+&#-, I-1. named n !he 200E Deed o' ,rus! on my *ro*er!y.
)ee belo" (# De*!. o' /evenue busness records sho"ng !ha! .A+&#-, I-1. ceased dong
busness n (ashng!on )!a!e and closed !s revenue accoun! n 200B. I!s cor*ora!e regs!ra!on
la*sed n 200: accordng !o 1or*ora!ons Dvson.

I have a**led re*ea!edly 'or a H#M6 or nAhouse mor!gage mod'ca!on "!h &1(.-
+&#- )./0I1I-$, !he en!!y !ha! acCured !he sub9ec! accoun! "hen 'ormer loan servcer
+I,,&- +&#- )./0I1. "as sold by $oldman )achs 2!s *aren! com*any3 !o &1(.-
+&#- )./0I1I-$ n 2011. I "as also chosen n a H4D lo!!ery as one o' a luc?y hand'ul o'
*eo*le n (ashng!on )!a!e elgble 'or a IJ0,000 H4D gran! !o cure any mor!gage de'cences
"hen my mor!gage 'ell n!o de'aul! due !o medcal hardsh*.
#! !he !me I "as chosen 'or !he IJ0,000 H4D gran! mones, &1(.- +&#- )./0I1I-$
re'used !o au!hen!ca!e or aud! !he +I,,&- +&#- accoun! amoun!s on my mor!gage accoun!
! acCured 'rom +I,,&- +&#-. &1(.- re*or!ed !he erroneous loan accoun! amoun!s !o !he
H4D gran! reve"er. ,he amoun!s &1(.- re*or!ed !o H4D "ere ds*u!ed and unver'ed.
&1(.-%) msre*or!ng o' accoun! arrear ages *u! my loan above !he H4D amoun! 'or !s
medcal hardsh* gran! *rogram. ,here'ore, I "as !hen dened !he H4D medcal hardsh* gran!
o' IJ0,000 n !he 'nal reve" s!age due !o &1(.-%s mor!gage re*or!ng abuses. #! no !me
has &1(.- +&#- )./0I1I-$ ever been n!eres!ed n curng !he de'cences on !hs
accoun! or n ma?ng any a!!em*! !o *rovde me "!h a reasonable H#M6 or nAhouse
mor!gage mod'ca!on. I! s my sncere bele' !ha! &1(.- has al"ays n!ended !o run u*
n!eres! and o!her cos!s on de'aul!ed mor!gage accoun!s !o !hen !a?e 'oreclosure ac!on on !he
*ro*er!y, ra!her !han o''er loan mod'ca!ons !o Cual'ed homeo"ners.
/ecen!ly I re!aned a )*o?ane a!!orney 2*ayng hm hundreds o' dollar each mon!h ou! o' a
mon!hly dsabl!y chec?3 !o !ry !o nego!a!e a reasonable H#M6 or nAhouse mod'ca!on "!h
&1(.-%s a!!orneyJ&)H4# )1H#./ a! /&4,H 1/#5,/.. &+).-, 6.). 2/1&, 6.).3 n
5ellevue, (ashng!on. #!!orney J&)H4# )1H#./ !hen s!rung my )*o?ane a!!orney along
'or several mon!hs, 'nally ma?ng over!ures on behal' o' hs clen! &1(.- +&#-
)./0I1I-$ !ha! &1(.- "as ac!ually n!eres!ed n se!!lng !he 'oreclosure l!ga!on "!h a
reasonable loan mod'ca!on o''er. &1(.- !hen came bac? "!h a *re*os!erous o''er "hch
"as *rom*!ly re9ec!ed. &1(.- s!a!ed ! "ould !a?e ano!her loo? !hrough !s under"r!ers and
come bac? "!h ano!her mod'ca!on o''er.
(hen &1(.- sgned a )e!!lemen! #greemen! 2a!!ached3 "!h !he J0 s!a!es and !her a!!orney
generals 2ncludng (ashng!on )!a!e%s D#0ID H4.<3 n res*onse !o 4.).D.&.J. allega!ons o'
abusve mor!gage busness *rac!ces, &1(.- agreed !o mod'y mor!gages and o''er *rnc*al
"r!eAdo"ns and@or cash !o 4.). borro"ers ! had been servcng. I, !oge!her "!h o!her
homeo"ners, had ho*e !ha! &1(.- +&#- )./0I1I-$ "ould 'nally be 'orced by !he 'eds
and s!a!es !o !a?e ac!on !o mod'y !he mor!gage loans !ha! n !he *as! ! has re'used !o mod'y.
Ho"ever, &1(.- has no! com*led "!h !s January 2014 )e!!lemen! #greemen! "!h !he
D&J and !he )!a!es A a! leas! 'rom !he *ers*ec!ve o' my mor!gage and *resumably many o!her
ho*e'ul homeo"ners.
(hle s!rngng my )*o?ane la"yer and me along 'or many mon!hs ndca!ng ! "ould be
*ro*osng a mor!gage mod'ca!on 2and n!a!ng se!!lemen! dscussons "!h my a!!orney3, n
real!y &1(.- +&#- )./0I1I-$ and !s /1& a!!orneys "ere *lannng behnd !he scenes
"!h !her clen! !o ram*Au* !he 'oreclosure l!ga!on n )!evens 1oun!y )u*eror 1our!. (hle
a"a!ng &1(.-%s mod'ca!on *ro*osal, my a!!orney receved an eAmal a cou*le o' days
ago 'rom /1&%s a!!orney J&)H4# )1H#./ !ha! he "as !rans'errng !hs 'le bac? !o
+#4/.- D#0ID)&- H4M6H/.<) no" em*loyed by !he H&4)./ F #++I)&- cvl
l!ga!on la" 'rm n )ea!!le, (ashng!on. I 9us! receved H4M6H/.<)% -o!ce o'
)ubs!!u!on n !he case.
#s s!a!ed earler n !hs communca!on, +#4/.- D#0ID)&- H4M6H/.<) s !he orgnal
/1& 2/ou!h 1rab!ree &lsen, 6.). 3 'oreclosure mll a!!orney "ho oversa" !he 'lng o' !hs
9udcal 'oreclosure ac!on n )!evens 1oun!y )u*eror 1our! n B@2E@2011 by relyng on /1&%s
'raudulen! M./) 7#ssgnmen! o' Deed o' ,rus!8 recordng !o ,he 5#-= &F -.( <&/=
M.++&- and and a co*y o' an unendorsed 6romssory -o!e. ,hese documen!s "ere a!!ached
!o !he 9udcal 'oreclosure 1om*lan! as 7*roo'8 !ha! ,he 5#-= &F -.( <&/= M.++&-
has 7s!andng8 !o 'oreclose as !he 7-o!e Holder8 on !hs *ro*er!y. ,he orgnal +#4/.-
D#0ID)&- H4M6H/.<) and /1& 2011 9udcal 'oreclosure 1om*lan! n )!evens 1oun!y
also ac?no"ledges !ha! !he legal descr*!on n !he Deed o' ,rus! s erroneous, "hch /1&
alleges encumbers !he sub9ec! *ro*er!y 2!he D&, names an erroneous land sec!on "hch s
ncorrec!3. ,here'ore, !hs mor!gage len has no! even been *er'ec!ed.
#'!er I 'led coun!erAclams and *ro*ounded dscovery !o ,he 5#-= &F -.( <&/
M.++&-, !hs 2011 'oreclosure ac!on came !o a hal! and !he 6lan!'' dd no! move 'or"ard
on !hs 'oreclosure 2a! leas! un!l no"3. Mean"hle, 6lan!'' ,he 5#-= &F -.( <&/=
M.++&- has re'used !o *rovde adeCua!e res*onses !o my n!erroga!ores and !he documen!s
res*onsve !o my reCues!s 'or *roduc!on. +#4/.- D#0ID)&- H4M6H/.<) a**aren!ly
assgned !hs 'le !o /1& assoca!e a!!orney, J&)H4# )1H#./, "ho *u! n a -o!ce o'
#**earance n !he case. (hen I as?ed /1& a!!orney J&)H4# )1H#./ !o name a !me and
da!e 'or my documen! 'raud nves!ga!or !o eHamne !he orgnal 6romssory -o!e !ha! ,he
5#-= &F -.( <&/= *ur*or!s !o 7hold8, a!!orney J&)H4# )1H#./ re'used !o *rovde
any da!e or !me 'or my .H*er! !o eHamne !he orgnal 6romssory -o!e. Ins!ead, a!!orney
J&)H4# )1H#./ dd no! res*ond !o me 'or many mon!hs and only res*onded !o my
)*o?ane la"yer by ma?ng over!ures !ha! hs clen! 2n real!y loan servcer &1(.- and no!
5#-= &F -.( <&/= M.++&-3 "an!ed !o se!!le !he 'oreclosure la"su! by o''erng a loan
mod'ca!on.
Ho"ever, !he &1(.- *ro*osed mod'ca!on and se!!lemen! o' !he 'oreclosure la"su! "as
con!ngen! on *lacng me under a 7$#$ &/D./8 so I "ould no! *ublcly ds*arage &1(.-.
I do no! recall readng any"here n &1(.-%s January 2014 )e!!lemen! #greemen! "!h !he J0
)!a!es and !he D&J !ha! n order !o o''er mor!gage mod'ca!ons !o homeo"ners !ha!
homeo"ners "ere reCured !o acce*! !he &1(.- cond!on o' a 7$#$ &/D./.8
#l!hough I had agan a**led a 'e" "ee?s earler 'or a mor!gage mod'ca!on !o &1(.-
under a 7H#M68 a**lca!on, &1(.- agan as?ed my )*o?ane a!!orney !hrough !s a!!orney
J&)H4# )1H#./ 'or !he same 'nancal documen!s and a**lca!on subm!!ed !o &1(.-%s
mod'ca!on de*ar!men! 9us! "ee?s earler. &1(.-%s D&J #greemen! !o change !s mor!gage
servcng busness *rac!ces has no! changed &1(.- +&#- )./0I1I-$%s abusve mor!gage
*rac!ces one o!a. &1(.- has been as?ng 'or !he same 'nancal documen!s 'rom me, over
and over agan, snce &1(.- !oo? over !hs accoun! 'rom +I,,&- +&#- n or around
)e*!ember 1, 2011. ,hs abusve busness *rac!ce by &1(.- has been gong on 'or nearly
!hree years no" on my mor!gage accoun!.
#! no !me has &1(.- eH*laned "hy I do no! Cual'y 'or a H#M6 mor!gage mod'ca!on,
an nAhouse mod'ca!on, or any o!her !y*e o' loan mod'ca!on 2a'!er &1(.- agreed !o
*ar!c*a!e n !he &bama H#M6 *rogram3. )nce &1(.- had no" agreed !o *rovde !he
mod'ca!ons ! has re'used !o *rovde !o mllons o' #**lcan!s "hen ! sgned !he January
2014 )e!!lemen! #greemen! "!h !he J0 s!a!es and !he D&J, &1(.- has declned !o o''er me
any reasonable mor!gage mod'ca!on on !hs loan accoun! under H#M6 gudelnes.
(hen &1(.- "as as?ed by my a!!orney 'or !he -60 2ne! *resen! value3 'gure ! "as usng
!o evalua!e !hs mor!gage accoun! !o gran! or deny me a mor!gage mod'ca!on, &1(.- has
re'used !o *rovde !he -60 'gure !o me or !o my )*o?ane a!!orney. My *ro*er!y "as recen!ly
a**rased 'or I130,000 by a !hrdA*ar!y a**rasal com*any. ,he orgnal *rnc*al loan amoun!
"as I142,000 n 200E. &1(.- re'uses !o *rovde !he n'orma!on regardng "ha! a**rasal
value ! s usng on !hs *ro*er!y. ,he orgnal *reda!ory loan a**rasal n 200E "as n eHcess
o' I2B0,000. ,he *ro*er!y s no" valued a! less !han oneAhal' o' !ha! a**rasal amoun!.
In add!on, due !o &1(.-%s lac? o' coo*era!on and dong every!hng concevable !o s!and n
!he "ay o' conver!ng !hs accoun! n!o a *er'ormng mor!gage, !he mor!gage loan has no"
been n de'aul! 'or over 'our 243 years. &1(.- has also re*ea!edly re'used !o *rovde
res*onses !o my mul!*le K4#+IFI.D (/I,,.- /.K4.),) 2K(/s3 over !hese years.
&1(.- re'used !o *erm! me and my Documen! Fraud Inves!ga!or access and !he o**or!un!y
!o eHamne !he &rgnal 6romssory -o!e !ha! ,he 5#-= &F -.( <&/= M.++&- *ur*or!s
!o 7hold8. #!!orney J&)H4# )1H#./ res*onded n n!erroga!ores !ha! !he 7colla!eral 'le8 s
a! !he la" o''ces o' H&4)./ F #++I)&- n )ea!!le, (ashng!on "here &1(.-%s ne"
a!!orney s em*loyed 2+#4/.- D#0ID)&- H4M6H/.<)3.
(hle &1(.- and !s enablng a!!orneys a! /1&, 6.). n 5ellevue, (ashng!on, ncludng
+#4/.- D#0ID)&- H4M6H/.<) no" a! )ea!!le%s H&4)./ F #++I)&- la" 'rm
con!nue !o 'lou! !he la" and 'le bogus mor!gage 7#ssgnmen!8 documen!s on !he *ublc
record, and hea* dece*!on u*on dece*!on u*on (ashng!on )!a!e 1our!s, &1(.- and !s
ndvdual 'oreclosure a!!orneys are esca*ng bo!h cvl and crmnal labl!y.
)ecur!>a!on o' a mor!gage loan rases ssues as !o s!andng, real *ar!y n n!eres!, and !he
alleged au!hor!y !o 'oreclose. ,he sm*ls!c man!ra o' !he 7ban?s8 and servcers o' 7"e have
!he no!e, !hus "e "n8 s no longer blndly acce*!ed by cour!s. In !hs 'oreclosure la"su! n
)!evens 1oun!y )u*eror 1our!, one ssue rela!es !o !he mor!gage loan orgna!ed by .A+&#-,
I-1. o"ned by 5anco 6o*ular o' 6uer!o /co "hch ceased all mor!gage loan o*era!ons n
200B. Ho"ever, even a'!er !hs cessa!on o' any nvolvemen! "!h servcng or o"nersh* o'
mor!gage loans by .A+&#-, I-1. 2and n !he )!a!e o' (ashng!on n 200B "hen ! closed !s
accoun! "!h De*!. o' /evenue and )ecre!ary o' )!a!e3, "e see an 7#ssgnmen! o' Deed o'
,rus!8 n !hs 'oreclosure 'rom .A+&#-, I-1. by M./) !o !he secur!>a!on !rus!ee ,he
5#-= &F -.( <&/= M.++&- long a'!er 200B. Foreclosng *ar!y ,he 5#-= &F -.(
<&/= M.++&- and !s a!!orneys 2re*resen!ng &1(.- !he )ervcer3 have *er*e!ra!ed a
'raud on !he )!evens 1oun!y )u*eror 1our! n relance on !hs bogus #ssgnmen! documen!.
,he 4n!ed )!a!es Ds!rc! 1our! 'or !he Ds!rc! o' -e" Ham*shre recen!ly concluded !ha! a
homeo"nerLs challenge !o a 'oreclosure based on a 2011 alleged !rans'er 'rom !he loan
orgna!or 2)and 1anyon '?a &*!on &ne3 !o (ells Fargo 5an? "as no! an 7a!!ac? on !he
assgnmen!8 "hch cer!an 9ursdc!ons have *recluded on !he alleged bass !ha! !he borro"er s
no! a *ar!y !o !he assgnmen!, %(. -) + )-.(+.-$* 6,&#& *$ +))-'*5&*. $33(##&1 +. +00 %&3+()&
-. 3$(01 *$. ,+2& $33(##&1 +) + 5+..&# $4 +15-..&1 4+3.. )and 1anyon@&*!on &ne could no!
assgn some!hng ! dd no! have. ,he case s Drouin v. American Home Mortgage Servicing,
Inc. and Wells Fargo, etc., -o. 11AcvAJ:EAJ+.
,he )and 1anyon 2'?a &*!on &ne3 s!ua!on s no! unCue n na!on"de 'oreclosures. In my
)!evens 1oun!y 'oreclosure la"su!, !he orgna!ng lender 7.A+&#-, I-1.8 !hrough !s
nomnee M./) 7assgned8 !he sub9ec! Deed o' ,rus! n 2011 2an #ssgnmen! *re*ared and
recorded by !he a!!orneys a! /1&, 6.). n 5ellevue, (#3 long a'!er .A+&#-, I-1. "en! ou! o'
busness n 200B. ,hs s a 'raud on !he 1our! n !he )!evens 1oun!y )u*eror 1our!
'oreclosure ac!on "here such an alleged 2011 #ssgnmen! s reled u*on by !he 'oreclosng
*ar!y ,he 5#-= &F -.( <&/= M.++&- and !s 'ormer 2and no" ne" subs!!u!ed3
a!!orney +#4/.- D#0ID)&- H4M6H/.<).
In add!on, !he admsson o' 4.). 5an? $lobal ,rus! )ervces n 'oreclosure l!ga!on !ha! a
5orro"er s a *ar!y !o any M5) !ransac!on and !ha! !he loan s governed by !he ,rus!
documen!s means !ha! !he 5orro"er s, n 'ac!, a *ar!y !o any #ssgnmen! o' !ha! 5orro"er%s
loan and should !hus be *erm!!ed !o see? dscovery as !o any alleged #ssgnmen! and all ssues
rela!ed !o !he secur!>a!on o' !he loan. 6lan!'' ,he 5#-= &F -.( <&/= M.++&- and
!s 'oreclosure a!!orneys are *er*e!ra!ng a 'raud no! only on (ashng!on )!a!e c!>ens bu! on
(ashng!on )!a!e cour!s.
,he M./) 7#ssgnmen!8 *re*ared and recorded n )!evens 1oun!y n 2011 by -or!h"es!
,rus!ee )ervces 2/1&, 6.). a!!orneys3 'rom +I,,&- +&#- !o ,he 5#-= &F -.( <&/=
M.++&- *ur*or!s !o !rans'er !he sub9ec! 200E 6romssory -o!e and Deed o' ,rus!. I! s "ell
?no"n !ha! M./) never orgna!es loans and does no! o"n *romssory no!es, and as such !
canno! !rans'er some!hng ! does no! o"n. 2Bain v. Metropolitan Mortgage, (# )!a!e )u*reme
1our!3. M./) has no nde*enden! n!eres! n real *ro*er!y or any *ro!ec!ed n!eres! n real
*ro*er!y, and as a 7nomnee8 under !he Deed o' ,rus! only holds 7bare legal !!le8. ,he M./)
#ssgnmen! s !here'ore a legal null!y and ,he 5#-= &F -.( <&/= as !he rec*en! o' !he
7#ssgnmen!8 n my 'oreclosure case s !hus *recluded 'rom 'oreclosng on my *ro*er!y.
Jus! "ee?s ago on July 3, 2014, !he Mane )u*reme Judcal 1our! 'ur!her debun?ed M./)L
alleged au!hor!y, vaca!ed a 'oreclosure 9udgmen!, and a''rmed sanc!ons agans! !he a!!orneys
'or 5an? o' #merca 2"hch 'led !he 'oreclosure ac!on3 n !s July 3, 2014 o*non n !he
ma!!er o' Bank of America v. Greenleaf, -o. 2014 M. B:. ,he 24A*age decson eH*lans "hy
5&# dd no! have s!andng !o 'oreclose on !he Mor!gage des*!e havng *ossesson o' !he -o!e
endorsed n blan?, "hch !he 1our! 'ound only gave 5&# !he rgh! !o en'orce !he deb!
evdenced by !he -o!e. ,he 1our! held: !"e interest in t"e note is onl# part of t"e standing
anal#sis, "o$ever% to &e a&le to foreclose, a plaintiff must also s"o$ t"e re'uisite interest in
t"e mortgage(!"us, $"ereas a plaintiff $"o merel# "olds or possesses ) &ut does not
necessaril# o$n ) t"e note satisfies t"e note portion of t"e standing anal#sis, t"e mortgage
portion of t"e standing anal#sis re'uires t"e plaintiff to esta&lis" o$ners"ip of t"e mortgage.8
2orgnal em*hass, case c!a!ons om!!ed3.
,he (ashng!on )!a!e #!!orney $eneral%s &''ce a**ears !o be 9us! loo?ng !he o!her "ay and
!a?ng no real ac!on, "hle !housands o' (ashng!onans lose !her homes as a resul! o' bogus
s!a!e and coun!y 'lngs by unscru*ulous loan servcers such as &1(.- and !her eCually
un*rnc*led 'oreclosure a!!orneys re*resen!ng and enablng !he "des*read mor!gage 'raud.
I am no" a 100M dsabled senor c!>en and no longer em*loyed n !he "or? 'orce a'!er 40
years. #s a sngle *erson, I bul! my o"n home 'rom my e''or!s. # second resden! has been
lvng on my 'arm *ro*er!y 'or over 14 years n a !raler. ,hs 'arm resden! s a 100M dsabled
0e!nam 0e!eran "ho s also unable !o "or?. ,he ndvdual a!!orneys re*resen!ng !he loan
)ervcer &1(.- are beng *erm!!ed !o 'le 'oreclosure ac!ons agans! !hs *ro*er!y and
de'ame cred! and slander !!le !o !he *ro*er!y based u*on llegal and nvald M./) recordngs
"!h )!evens 1oun!y "hch *ur*or! !ha! ,he 5#-= &F -.( <&/= M.++&- "as
!rans'erred !he -o!e and mor!gage documen!s !hrough a M./) #ssgnmen!.
,hs bogus documen! recordng has !hen been reled u*on by !he 'oreclosng *ar!y ,he 5#-=
&F -.( <&/= M.++&- and !s /1& a!!orneys 'or 7s!andng8 !ha! sm*ly does no! eHs!.
,hese *ublc recordngs cons!!u!e 'alse and 'raudulen! re*resen!a!ons. ,hese 'raudulen!
documen!s are beng *re*ared and recorded n !he coun!es by lcensed (ashng!on )!a!e
a!!orneys n my case by !he /1& 6.). la" 'rm. ,he documen! 'raud "ll no" be *er*e!ua!ed
by H&4)./ F #++I)&- )ea!!le a!!orney +#4/.- D#0ID)&- H4M6H/.<) "ho had
con!rol over !he orgnal 'oreclosure 'le n !hs case "hle she "as em*loyed a! /1&, 6.). ,he
'oreclosure la"su! s *remsed eHclusvely on !hese 'alse and llegal recorded *ublc
documen!s "hch *ur*or! !o gran! ,he 5#-= &F -.( <&/= 7s!andng8. (hle !hs
'oreclosure la"su! has been dle 'or some !hree 233 years, &1(.- +&#- )./0I1I-$ and
!s 'oreclosure a!!orneys no" n!end !o ramp it up.
I "ould magne !ha! a!!orney +#4/.- D#0ID)&- H4M6H/.<) 2"ho has 9us! 'led a
-o!ce o' )ubs!!u!on 'or /1&, 6.).3 a'!er handng !he 'oreclosure 'le o'' !o one o' her
assoca!es n 2012 "hle a! /1&3 s no" cons*rng "!h her clen! &1(.- 2!he )ervcer "ho
s !he real *ar!y n n!eres!3 !o cook up add!onal bogus documen!s, endorsemen!s, allonges or
o!her recordngs and 'lngs "hch *ur*or! !ha! ,he 5#-= &F -.( <&/= M.++&- s !he
ac!ual 7-o!e Holder8 n !hs case "!h 7s!andng8 !o 'oreclose. ,he orgnal 'oreclosure la"su!
'led "hle +#4/.- D#0ID)&- H4M6H/.<) "as a! !he 5ellevue /1&, 6.). la" 'rm
sho"ed no such endorsemen!s or allonges a!!ached !o !he 6romssory -o!e "hch "as n 'avor
o' .A+&#-, I-1. and *ar! o' !he 1om*lan!. ,he 2011 'oreclosure la"su! 'led by +#4/.-
D#0ID&- H4M6H/.<) and her assoca!es alleged !ha! !he endorsed n blan? 6romssory
-o!e a!!ached !o !he 'oreclosure 1om*lan! "as a !rue and correc! co*y o' !he &rgnal
6romssory -o!e. #ny o!her 6romssory -o!e subm!!ed beyond !hs orgnal 2!rue and correc!
co*y o' !he -o!e3 n !he 'oreclosure l!ga!on a! !hs *on! "ould also be *resum*!vely
'raudulen!.
,he M./) 7#ssgnmen! o' Deed o' ,rus!8 2*re*ared by /1&, 6.). and !s subsdary
-or!h"es! ,rus!ee )ervces3 recorded n )!evens 1oun!y n 'avor o' ,he 5#-= &F -.(
<&/= M.++&- n 2011 "as llegal, vod and s !here'ore a legal null!y. 7M./)8 dd no!
hold any bene'cal n!eres! n e!her !he 6romssory -o!e or mor!gage documen!s ! *ur*or!s !o
!rans'er n !he 7#ssgnmen! o' Deed o' ,rus!8 !o ,he 5#-= &F -.( <&/= M.++&- n
2011. Fur!her, M./)% !rans'er o' !he -o!e and mor!gage n!eres! held by .A+&#-, I-1.
2orgnal +ender3 a! a !me "hen .A+&#- I-1. "as !hen a de'unc! en!!y n (ashng!on )!a!e
and had been ou! o' !he mor!gage lendng busness snce 200B, s 'raudulen!.
I am rela!vely cer!an "hen I reCues! *ublc dsclosure o' !he 7/eal .s!a!e .Hcse ,aH
#''dav!8 2/..,#3 'led by !he /1&, 6.). la" 'rm n 2011 2and -or!h"es! ,rus!ee )ervces3
"!h !he )!evens 1oun!y ,reasurer, n con9unc!on "!h !he recordng o' !he M./)
7#ssgnmen! o' Deed o' ,rus!8 !o 5#-= &F -.( <&/=, !ha! !here "ll be -& value
assgned by /1& !o !hs !rans'er o' *ro*er!y n !he .Hcse ,aH #''dav! !o order !o avod
*aymen! o' (ashng!on )!a!e /eal .s!a!e .Hcse ,aH. I' -& value s 'ound !o be s!a!ed on !hs
recorded .Hcse ,aH #''dav! by /1&, 6.). n con9unc!on "!h !hs *ro*er!y !rans'er, !hs s
arguably an admsson !ha! !he sub9ec! 6romssory -o!e "as *ad o'' *ror !o !he 7M./)8
!rans'er !hrough !s 2011 7#ssgnmen! o' Deed o' ,rus!8 !o ,he 5#-= &F -.( <&/=. I'
!he 6romssory -o!e s already *ad o'', "ha! remans !o be 'oreclosed on by ,he 5#-= &F
-.( <&/= M.++&- n !hs )!evens 1oun!y )u*eror 1our! 'oreclosure la"su!D 1learly
!here "ould be no remanng un*ad 6romssory -o!e !o 'oreclose on. ,he Deed o' ,rus!
'ollo"s !he 6romssory -o!e.
1an someone *lease eH*lan !o me "hy (ashng!on )!a!e a!!orneys and !her 'oreclosure mll
la" 'rms re*resen!ng 5an? ,rus!ees such as ,he 5#-= &F -.( <&/= M.++&- n !hs
case, and !s abusve and unscru*ulous )ervcer &1(.- +&#- )./0I1I-$, are beng
*erm!!ed by #!!orney $eneral 5ob Ferguson and !he (ashng!on )!a!e #!!orney $eneral%s
&''ce !o con!nue !o *er*e!ua!e !hs crmnal 'raud on (ashng!on )!a!e Homeo"ners,
(ashng!on )!a!e coun!es, !he )!a!e o' (ashng!on, and (ashng!on )!a!e )u*eror 1our!sD
,he M./) sys!em and bogus #ssgnmen! recordngs allo" !hese en!!es and ndvduals !o
esca*e *aymen! o' (ashng!on )!a!e .Hcse ,aH and o!her 'ees on !he !rans'ers o' *ro*er!y n
(ashng!on )!a!e under our )!a!e%s *ro*er!y recordng sys!em. ,he bogus M./) 7#ssgnmen!8
documen!s beng subm!!ed 'or 'oreclosure *ur*oses by 'oreclosure mll a!!orneys *erm!s
(ashng!on )!a!e 'oreclosure a!!orneys "ho *re*are and record !hese llegal documen!s !o
avod labl!y 'or !her llegal 'oreclosure ac!ons.
# 'orensc aud! n !he ma!!er o' Mon!gomery 1oun!y, 6ennsylvana /ecorder o' Deeds v.
M./)1&/6 and M./), 1ase -o. 2:11AcvA0E:EBAJ1J n !he !he 4n!ed )!a!es Ds!rc! 1our!
'or !he .as!ern Ds!rc! o' 6ennsylvana has revealed !ha! a M./) mor!gage s !rans'erred an
average o' 4 !o 12 !mes. ,he 6lan!'' Mon!gomery 1oun!y /ecorder !es!'ed !ha! !hs resul!ed
n a loss !o !he 1oun!y o' I1J.; mllon n un*ad recordng 'ees as M./) does no! record all
!rans'ers. ,he 4.). Ds!rc! 1our! ssued a 4JA*age o*non n !hs ma!!er on July 1, 2014.
M./) da!a s clearly ncom*le!e n my )!evens 1oun!y 'oreclosure case as ! re*or!s !ha! 7J6
Morgan 1hase8 s !he no!e holder "hch s!ands n con!radc!on !o !he 'oreclosng 6lan!'' ,he
5#-= &F -.( <&/= and !s a!!orney%s asser!ons !ha! ! s !he -o!e holder. ,!le !o !he
sub9ec! )!evens 1oun!y *ro*er!y has !here'ore been corru*!ed by M./)L 'alure !o record a
com*le!e chan o' !!le. Fur!her, lcensed !!le com*any agen!s have no access !o n'orma!on n
M./) bar codes, "hch means !ha! !!le searchers and consumers are dened !he abl!y !o
ascer!an "ho curren!ly o"ns !he no!e secured by a M./) mor!gage. -e!her !he borro"er nor
!he cour!s can ascer!an !he chan o' even!s &/ .0.- ,H. 0#+IDI,< &F #
,/#-)#1,I&-. ,he resul! s an eroson o' (ashng!on )!a!e%s land records and !he nabl!y
!o evalua!e !he mar?e!abl!y o' !!le and cred! "or!hness o' !he consumer.
,he 'ederal cour! held !ha! !he assgnmen! or !rans'er o' a *romssory no!e secured by a
mor!gage on real es!a!e s eCuvalen! !o a mor!gage assgnmen!, and !ha! !he M./) De'endan!sL
'alure !o crea!e and record documen!s evncng !hese !rans'ers vola!es 6ennsylvana s!a!u!ory
la", !hus de!ermnng !ha! M./) "as lable 'or damages and !ha! !he amoun! o' damages "ll
be !a?en u* a! !ral.
(ashng!on )!a!e resden!s "ho are 'acng 'oreclosure also don%! ?no" "ho o"ns !her
mor!gage or !o "hom !hey should be ma?ng !her mor!gage *aymen!s. ,hs can be a!!rbu!ed !o
!he 'ac! !ha! M./) s no! recordng all o' !he -o!e #ssgnmen!s n !he coun!es "!h !he resul!s
o' bo!h a loss o' revenue and land !!le records beng ncom*le!e. In add!on, M./) s no!
recogn>ed under (ashng!on la" as a bene'cary "ho holds !he no!e or mor!gage documen!s.
,hese unla"'ul bogus M./) 7#ssgnmen! o' Deed o' ,rus!8 recordngs !hen crea!e !he 'alse
bass 'or 7s!andng8 !o 'oreclose on homeo"ners n (ashng!on )!a!e cour!s. ,hese 'oreclosure
la"su!s and ban? a!!orneys allege !ha! as a resul! o' !he recorded 7#ssgnmen! o' Deed o'
,rus!8 2and -o!e3 !rans'ers o' *ro*er!y, !he ,rus!ee o' !he )ecur!>a!on ,rus! !hen has ac!ual
7s!andng8 !o 'oreclose. ,hese *ur*or!ed !rans'ers o' !he -o!e and Deed o' ,rus! !o !he ,rus! by
M./) are llegal, vod and a legal null!y.
I am no! sure ho" a recorded 'raudulen! M./) 7#ssgnmen! o' Deed o' ,rus!8 documen!,
*re*ared and 'led by a lcensed (ashng!on a!!orney 'or !he curren! +oan )ervcer and ,rus!ee
o' !he ,rus! "ould *rove o"nersh* o' !he sub9ec! -o!e and Mor!gage any more !han !he ac! o'
a !he' *a"nng hs s!olen *ro*er!y a! !he *a"n sho* 'or cash. 6ur*or!ed *ossesson o' !he -o!e
!hrough llegal documen! recordngs does no! gran! 7s!andng8!o a ,rus!ee under a M./)
#ssgnmen! !o 'oreclose on homes n (ashng!on )!a!e.
,hose *ro'essonals "ho enable and *er*e!ua!e !hese llegal ac!s and 'raud on un?no"ng
homeo"ners, "ho do no! have !he 'unds !o 'gh! !o re!an !her homes, should be held cvlly
and crmnally lable 'or !a?ng a"ay !he ho*es and dreams o' so many *eo*le and s!r**ng
!hem o' !her home and *ro*er!y rgh!s !ha! "e hold so sacred n !hs coun!ry. #! a mnmum,
!hese hear!less ndvduals and !her 'rms should be s!r**ed o' !her busness lcenses and
beng able !o *rac!ce !her *ro'esson n !he )!a!e o' (ashng!on. &r !hs !y*e o' 'raud "!h
such emo!onal and !ragc conseCuences should be sub9ec! !o crmnal *enal!es.
&1(.- +&#- )./0I1I-$ and !her cohor!s /&4,H 1/#5,/.. &lsen, 6.). 2/1&, 6.).
and -or!h"es! ,rus!ee )ervce3 and ndvdual a!!orneys +#4/.- D#0ID)&-
H4M6H/.<) and J&)H4# )1H#./ 2n !hs 'oreclosure case3, should be held accoun!able
'or !he llegal and 'raudulen! documen! recordngs n )!evens 1oun!y, and 'or enablng and
*er*e!ua!ng !hs 'raud u*on !he )!evens 1oun!y )u*eror 1our! by subm!!ng !hese 'raudulen!
documen! recordngs as 7*roo'8 o' s!andng !o 'oreclose by ,he 5#-= &F -.( <&/=
M.++&-.
,he January 2014 D&J )e!!lemen! #greemen! "!h &1(.- +&#- )./0I1I-$, "hle
*erha*s *ol!cally bene'cal !o #!!orney $eneral 5&5 F./$4)&-, a**ears !o be a "or!hless
*ece o' *a*er 'or (ashng!on )!a!e homeo"ners 'acng 'oreclosure by abusve &1(.-
+&#- )./0I1I-$ and !s eCually unscru*ulous (ashng!on )!a!e 'oreclosure a!!orneys. ,he
&1(.- +&#- )./0I1I-$ )e!!lemen! #greemen! s e!her no! beng en'orced "!h any
sncer!y n (ashng!on )!a!e, or !he #greemen! s sm*ly unen'orceable. In e!her case,
(ashng!on )!a!e homeo"ners are no! beng re*resen!ed nor *ro!ec!ed 'rom &1(.-%s
mor!gage 'oreclosure abuses and !he 2?no"n3 'raud beng *er*e!ra!ed by (ashng!on )!a!e
'oreclosure a!!orneys.
)ncerely,
# )!evens 1oun!y Homeo"ner Fgh!ng Mor!gage Foreclosure Fraud