THEY ARE COMING !!! Are you next ???

THEY ARE COMING
What you are about to see ......REALLY HAPPENED
Listen, Witness and Experience....the inhumane side of EVICTION
Will they come again....for this family? Will they steal their home?
Will they come ….when no one is watching? Next time....will they come....for you?   


A land once filled with promises...Where the American Dream was a family’s home,
has now become the land of broken promises and shattered dreams.
Sounds of children crying ....haunt parents ....who find it hard to sleep...
Everyone......waiting.... for the next knock or pounding....on the front door. 
  
Communities are being destroyed, as families disappear into the night.
This will leave heavy scars on the very fabric of our nation.
These wounds are so deep…it will take a generation...or two....to heal. 
3,000 ....EVICTIONS.... EVERY SINGLE DAY of the YEAR.  
Maybe not today, or tomorrow, but ......THEY ARE COMING

They come......often with little or no warning.
Fannie and Freddie stopped foreclosing for the holidays, but only for a brief moment,
they did not stop....out of the goodness of their hearts.
They paused, so no one witnesses THE HORRORS OF THEIR ACTS AT CHRISTMAS.

 

January 3rd is coming and the daily mass evictions need to be ramped back up....again

THEY ARE COMING 
This family, like thousands before them, are re-living the nightmare,
The Pounding....The Police...The Noise ....it will not go away
Their Christmas Joy and Holiday fun are replaced by fear...as they hang on....each day 

THEY ARE COMING....again.....beginning JANUARY 3rd, 2012.
THEY ARE COMING....to your city....your state ....and
THEY ARE COMING..........FOR YOU

Please email, link, facebook or twitter this video  - share through any social media
We must......get the message out...and....
WE MUST STOP THIS INDIGNITY
WE MUST STOP THIS CRIME
WE MUST STOP THIS EVICTION and FRAUDCLOSURE AGAINST THIS FAMILY

National Blog recognizes OhioFRAUDclosure (Mandelman Matters - HERE)

If you would like to make a difference & help change.....these eviction nightmares
Please visit and follow-up at:
Ohio FRAUDclosure  and at Mandelman Matters
ohiofraudclosure@gmail.com and at  mandelman@mac.com

Other Websites: 4closureFraud.org and ForeclosureHamlet.org
Thank you Martin (at Mandelman Matters) for strength & guidance for this post

 Homeowners in Chicago and Cleveland STOPPED EVICTIONS...in the 1930s
Are we approaching a point in time - where homeowners "Rise Up" AGAIN??
RACHEL MADDOW SHOW......OCCUPY OUR HOMES........

A growing number of homeowners & supporters are standing up to the banks 

 I will:

Resist attempts by the FRAUDsters (banks & servicers) to "steal" our homes. 

Take necessary action(s) to Support American Homeowners.

If they attempt to foreclose, I will not go

If they attempt to evict, I will not go

If they attempt to Steal my neighbors home, I will stand in solidarity with them

I will:

- sign petitions

- make phone calls

- contact caring - local and national organizations

- join efforts of local and national organizations that help with foreclosure defense & to help stop evictions

- help spread the word

TAKE THE PLEDGE: IN DEFENSE of AMERICAN HOMEOWNERS: (CLICK HERE)

ENJOY THE HOLIDAYS ??

                      Enjoy the Holidays..........until.............??????

                          EVICTIONS RESUME JANUARY 3rd

National Blog recognizes: OhioFRAUDclosure (Mandelman Matters - HERE)

A MERSY CHRISTMAS

It will be right after Christmas, and they’ll still take your house
That Predator Drone - Lerner Sampson Rothfuss
Their documents were strung together without care,
Have a missing assignment? LPS will be there!

The attorneys said “We’ve put our problems to bed”
As fraudclosure whistleblowers were turning up dead.
There’s Biden in Delaware, and Martha in Mass.,
Who finally said, “Let’s kick bankster axx!”

There’s Miller in Iowa who’s leading the chatter,
“Millions of foreclosures? Hey, what’s the matter?”
Amnesty for the banks who started this crash,
For a slap on the wrist and a wee bit of cash.

And soon we will see it was all just a show,
They’ll be working on tans with friend Angelo.
“Trash Out” companies break into homes without fear,
It’s a civil matter and the cops won’t appear.

They’ll doctor the proof to steal your home free and clear,
With forged notes backdated five years!
A VP with a short name will do the trick,
Boy! That Linda Green can sure sign ’em quick!

More rapid than a machine she signed her name,
And under deposition the rest of them came.
Sign Linda! Sign Crystal! Christine and Bryan!
Sign Stephan, Sign Hoye, Thomas and Samons!

We’ll pay you more than you can make at the mall,
Now sign away, sign away, sign away all!
You can apply for a loan mod but it surely won’t fly,
You’ll be met with obstacles that reach to the sky!

So short sale your house, sign a deed in lieu,
Or we’ll do what is necessary to take it from you!
In rocket-docket court the homeowner bears the burden of proof,
Ninety seconds to save your home and then it’s gone – poof!

                                               the rest of the holiday poem  (HERE)

Original Poem (without two line edit & embedded links) Courtesy of our friends at 4closurefraud.org

HO, HO, HOmeless!

A SHOCKING "look-back" from  Mandelman Matters

.......A father of three stands in the shadows made by the tree in the front yard of his home of 14 years.  It’s 2:30 AM.  He’s wearing a tee shirt and boxer shorts. The wind is audible and cold.  His eyes fixate on the flower box he built his first year as a homeowner.  His stare moves to the driveway… his driveway… and remembers pitching underhand to his youngest son.  He had thought they would live in this house forever.  He absent-mindedly scratches his chest with the barrel of the .38 Smith & Wesson Super he’s holding in his hand.  He wonders if insurance policies pay off after suicide.

........A mother is on the phone first thing one morning.  She reads my column on-line.  She calls to tell me that her son, 41 years old, hung himself in the basement of his home last night.  She found him yesterday morning.  He had been laid off and out of work for nine months. He tried to convince his bank to modify his mortgage since then.  Went through his savings.  Started spending hers. Her voice shakes.  “Now,” she says, “the bank will finally get what they’ve wanted all along… his house.”

My personal HEROES in the FRAUDclosure Battle

My personal HEROES and the inspiration behind the start-up of OHIO FRAUDclosure Blog
Matt Weidner, Tom Ice, Lisa Epstein, and Martin Andelman

Today I'm humbled and honored ...to intersect ...with all my Heroes... in a podcast.
Link below to the 30 minute audio podcast.....
FRONT LINE NEWS, A Mandelman Matters Podcast – December 23, 2011

Listen-up folks....I was just another FRAUADclosed upon homeowner...... living in Ohio, when exactly 8 months ago (April 23, 2011) I tried to thank, in a post, some people that had inspired me. These individuals gave me the courage needed to stand-up and be heard (by blogging)  
I wrote back then:
..........I must give a "Shout-Out" and public "Thank You" to attorneys that have given me courage and inspiration to take this first step (Blog). A THANK YOU - to the individuals below - is simply not enough. They are the brave ones that accepted and took up the fight, long ago. They paved the way for those of us that followed. The below attorneys have been waging legal battles in FL. courtrooms, and uncovering crimes by revealing the massive FRAUD being perpetrated in foreclosures.They have been dealing with these issues much better and longer than we have (in OHIO). They continue to change law, awaken lawmakers, save homes and improve the lives of thousands of people. Floridians, these are your state's heroes!
Florida Attorneys That are Ground-Breaking Legal Representatives - For the People!
Matt Weidner (Weidner Law)
Tom Ice (Ice Legal)

In the meantime, I knew there was this AMAZING gal (Lisa Epstein) down in West Palm Beach with a cool website - Foreclosure Hamlet - that was loaded with foreclosure defense information. Lisa can only be described - as a person with unbelievable courage. She, like me, had been going through an awakening of the FRAUD in foreclosure. But instead of "hiding in the shadows" or being allowed to be labeled as a victim, Lisa took action. She wrote letters, went to the courts, uncovered fraud, challenged the system, notified the Florida State Attorney General's Office of the Fraud upon the courts. She went to her State Senators and Representatives.....and knocked on congressional doors and called attorneys....and fought on...and on...day and night. No matter what the odds....or size of the enemy....she refused to back down. In the same post (of April 23, 2011) I feebly tried to thank Lisa... and promising to post some of her inspirational work...I said:
...... And finally we will focus on Lisa Epstein, the Rosa Parks of Foreclosure. She refused to "give up her house," or be pushed aside or out of the courtroom. She is truly a hero and you will be inspired (as I was) by her story. I will dedicate a couple posts to her, as she has forever changed the landscape for those in Foreclosure
I've failed to feature my hero (Lisa) in a post....but she continues to inspire me.... daily .....
actually you can check out the whole April 23rd, 2011 post below:
 OHIO FRAUDclosure - A Thank You to FLORIDA Attorneys

Lastly, I had planned for some time to have a special blog post featuring my friend ....Martin. It is still a planned and upcoming post...but in the meantime.....rewind three years back. I'm in the midst of my own personal FRAUDclosure fight, when late one night I stumbled upon this amazing writer and blogger - Martin Andelman. Man could this guy write! He seemed to take all the complexities of the financial crisis and near wipe-out and meltdown (still in progress) of the US Housing market...and somehow.....make some sense out of it. I would read and re-read each of his posts. It was amazing how he could take a serious topic (Obama HAMP program) and make it......I have to admit.... really funny. First he would write about the serious side of the issue - then have you laughing out loud - then walk you to a point of being mad - to damn mad - to crazy mad .....and then to....well kinda back...full circle to the topic at hand. He left you wondering, thinking, and asking questions. He has this artistic writing style that seems to empower and give each of us the ability to NOT accept the government's sound bite answers(lies) being spewed 24-7 by the traditional media. One thing that came through...in each of his posts (Now numbering 520+) was the breadth of his knowledge to go along with his ability.... to simplify it all.....in a Mandelman Matters blog.

Today I'm humbled and honored ...to intersect ...with all my Heroes... in a podcast.
Link below to the 30 minute podcast. And please...start reading...Mandelman Matters

FRONT LINE NEWS, A Mandelman Matters Podcast – December 23, 2011

FIRST UP…

A favorable ruling from Florida’s Supreme Court in the Pino Case… what does it potentially mean to homeowners across the country and the foreclosure mill attorneys whored by the banks to pursue the many thousands of foreclosures that happen each day in this country. Florida foreclosure defense attorney, Matt Weidner and Lisa Epstein of ForeclosureHamlet.org join me to explain the significance of the decision.

SECOND STORY…

A popular blogger, Marco, from OhioFraudclosure.blogspot.com, went over and above the call of duty when {the day after}Occupy Wall Street’s first foreclosure recognition day {Dec 6th}, he managed to stop a homeowner from being evicted. Marco joins me from Ohio, so you’ll hear the whole story straight from the horse’s mouth, so to speak.

Just click the PLAY button below and in just 30 minutes you’ll get the details from the experts that know the significance that lies behind the headlines and the sound bites.

 (PLAY HERE to Listen, Open or Save as MP3 file (Download MP3)

BLOG + Occupy + Attorney = NO EVICTION

          OHIO FRAUDclosure Blog assisted with an eviction intervention
However, we are all humbled by the courage, bravery and conviction of the
                                  BRIAN BAYLESS FAMILY
   Ohio FRAUDclosure + Occupy Columbus + Attorney = NO EVICTION
  
             This.......is only the beginning..........one Homeowner at a time

SATURDAY 12-10-11: LIVE RADIO BROADCAST (Replay)

Replay of Citizen Warriors broadcast (12-10-11) from Palm Beach Gardens in Florida 
View & Listen (below) to the harrowing "eviction" as shared by call-in guests:
Brave Ohio Homeowner: Brian Bayless
Attorney: Bruce Broyles
OhioFraudclosure Blogger: Marco

Radio Show Hosts & Citizen Warrior Heroes: Lisa Epstein and Michael Redman
Who are these brave individuals? Read Below

Grassroots effort leads to attorney general probe
How 2 Civilian Sleuths - brought foreclosure problems to light 

Websites: 4closureFraud.org and ForeclosureHamlet.org

See related: OCCUPY OUR HOMES - Day of Action
See related: HOLIDAY EVICTION moratorium "Cover-Up"

See OHIO related: OCCUPY COLUMBUS - Ready to Help
See OHIO related: OHIO'S Housing vacancy - up 50% - in past decade
 
Are we approaching a point in time - where homeowners are "Rising Up" - AGAIN
RACHEL MADDOW SHOW......OCCUPY OUR HOMES

OCCUPY OUR HOMES - DAY OF ACTION

"Those who do not move....do not notice their chains"
                      Rosa Luxemborg (Russian activist) 1871 - 1919



“Ohio is fortunate to have a nationally recognized blogger who participated in shaping the narrative and anti-foreclosure language being shared during this National Day of Action. Throughout the foreclosure crisis there has been an absence of national attention to the plight of the Ohio Homeowner. However, through the OhioFraudclosure blog - information, education and support is available for homeowners’ seeking to defend their homes”…. Says an OHIO based attorney

James Thilman/Gothamist

12-6-11  OCCUPY WALL STREET  in New York
It's a lovely day for a foreclosure tour, and Occupy Wall Street has taken to East New York to highlight the affects of the continuing housing crisis that continues to cripple the entire country. Our own James Thilman is on the scene, and notes that the crowd has swelled to nearly 400, with neighbors joining the march as it makes its way from one foreclosed home to the next. "We are here in East New York where the rate of foreclosure is 3 times higher than the entirety of Brooklyn and 5 times higher than the state," Minister Patricia Malcolm told the crowd. "Today we are real estate agents…We are going to look for those homes that are unoccupied and we are going to rent them out today."  The march has reached its destination, 702 Vermont Street, where a family will reside in a home that has been unoccupied for three years. Alfredo Carrasquillo, Tasha Glasgow, and her two children will be under the watch of Occupy Wall Street's "eviction defense team." "I want to thank the NYPD for all their support. I hope they don't wake me up in my bed at 2 a.m." Carrasquillo half-jokingly told the crowd. Thilman notes that he choked up a bit when speaking to the group.
Glasgow and her children, an eight year-old girl with autism and a five year-old boy, previously received a housing voucher through the NYC "Advantage" program in the spring, but it was withdrawn after Mayor Bloomberg enacted budget cuts. Once a few housewarming gifts were passed to the family, Carrasquillo and other volunteers began working to fix up the property.

OCCUPY OUR HOMES: DAY OF ACTION

Hastags  #OccupyHomes and #D6.
The national website twitter account is:  @OccupyOurHomes

Occupy Our Homes

Tuesday, December 6, has been declared a National Day of Action to Occupy Our Homes. Its goal is to focus attention on the corrupt banking practices that led to the mortgage boom and today's ongoing economic misery for most of the 99 percent.

Demonizing the Victim
Resisting illegal foreclosures is a good first step. It brings attention to Wall Street's criminality, and plain old inhumanity toward the people they call their"customers" - but treat like serfs.

It does something else important: It counteracts the brainwashing, driven by Wall Street and dutifully echoed by the media, which has demonized the victims of bank misbehavior.

(We were trying to fight that brainwashing back in 2008, without much luck.)

The Occupy movement has already won several battles in that war. If the public's attention can now be focused on people like Ana Wison, that can be a powerful blow against the Wall Street/corporate media "they deserve it" hype.

Bank of America "Blinks" when facing Occupy Our Homes ...with "Internal Memo"

.....And if you have not heard about today's protest on the conventional media that is understandable: as BAC says internally, this event "could impact our industry." Here are the specific warnings to BAC "field services" agents: i) Your safety is our primary concern, so do not engage with the protesters; ii) While in neighborhoods, please take notice of vacant BAC Field Services managed homes and ensure they are secured; iii) Remind all parties of the bank’s media policy and report any media incidents......more (HERE)

Huffington Post:  Los Angeles

It's also a day for helping people in our communities who have been victimized by predatory lending, criminal bank forgery, unfair or illegal foreclosure practices, and other bank abuses that victimize the public. Here in Los Angeles, where an inspiring victory has already taken place, OccupyLA will help two brave families re-occupy their illegally foreclosed homes.

Huffington Post:  Detroit
As part of a countrywide day of action planned to combat foreclosure practices and home evictions, two Metro Detroit households will open their homes to Occupy Detroiters Tuesday in an effort to halt foreclosures at the homes.

The actions in Detroit are in part spearheaded by Occupy Detroit and Occupy Our Homes, a national coalition focused on foreclosures that has developed out of the Occupy movement.

On Tuesday protesters affiliated with those two groups will try to bring attention to the plight of Debbie and Rob Henry, a married couple from the Detroit suburb of Southgate. They could be kicked out of their home of seven years by January, according to Shannon McEvilly, a Detroit area spokeswoman for Occupy Our Homes.

CBS NEWS:

No place like home:"Occupy Wall Street" targets foreclosures

International Business Times:

Occupy Homes: Protesters Target Foreclosures on Dec. 6 

Courtesy of Daily Kos Blog

Daily Kos: Occupy Our Homes shows flexibility of movement, tents not required

Occupy Movement... turns attention ...to Foreclosures

OccupyWallStreet has turned its national attention to the topic of FORECLOSURE
The movement officially released their support for a National Day of Action (HERE)
OHIO FRAUDclosure is a proud participant, planner, and supporter !!!

On Tues. December 6th visit this blog for LIVE updates, streaming video, and pictures from in and around OHIO during a day long "look-in" on the action

"This {day} is a shift from protesting Wall Street fraud to taking action on behalf of people who were harmed by it. It brings the movement into the neighborhoods and gives people a sense of what’s really at stake," said Max Berger, one of the Occupy Our Homes organizers and a member of Occupy Wall Street’s working group

DECEMBER 6th - National Day of Action

OCCUPY OUR HOMES 

The OccupyWallStreet movement and brave homeowners around the country are coming together On Tuesday December 6th, We - the 99% will stand up to Wall Street banks and demand they negotiate with homeowners .....instead of fraudulently foreclosing on them

Like many of the Occupy actions that have focused on specific policy questions, this one is being organized by established groups along with their allies in the movement. Among the allied groups listed on the Occupy Our Homes website is OHIO FRAUDclosure !!!

Occupy Wall Street is promising a "big day of action" Dec. 6 that will focus on the foreclosure crisis and protest "fraudulent lending practices," "corrupt securitization," and illegal evictions by banks. The day will mark the beginning of an Occupy Our Homes campaign that organizers hope will energize the movement.

Many of the details aren’t yet public, but protesters in 20 cities are expected to take part in the day of action next Tuesday. We’ve already seen eviction defenses at foreclosed properties around the country as well as takeovers of vacant properties for homeless families. Occupy Our Homes organizer Abby Clark tells me protesters are planning a "mic-check" to disrupt foreclosure auctions as well as launch some new home occupations.

On the Occupy Wall Street side of things, members of the direct action working group and the movement-building group in New York have been involved in the project. A network of groups organized as Take Back the Land has been doing eviction defenses and related actions around the country for five years, according to organizer Max Rameau."Now with this Occupy movement ramping up, I think we have a significant chance to keep large numbers of people in their home,"  

“[The goal is to] not only force the banks to allow the family to stay in the home. But also then force policy changes that would help thousands of other people for whom we’re not doing eviction defenses.”...Rameau told Democracy Now earlier this month.

Excerpts above...from OCCUPYS NEXT FRONTIER: FORECLOSED HOMES

RACHEL MADDOW SHOW......OCCUPY OUR HOMES

Previous "Day of Action" coverage: D-Day is coming...Occupy our Homes

Why is this day important..ohh..just another typical BANK foreclosure on a
103 year old woman...causing her 83 year old daughter to be hospitalized

Attorney view point (HERE) that differs from his constituents legal stance (borrower's fault)

National Website: http://occupyourhomes.org/
On Twitter: @OccupyOurHomes
Facebook page: http://www.facebook.com/events/304693926222145/

In Ohio our contact email: ohiofraudclosure@gmail.com


A formerly boarded-up duplex taken over by Occupy protesters(left) in Seattle's Central District this month.
(Credit: AP/Louis Lanzano/Elaine Thompson)

Huge Pay & Bonuses for Fannie & Freddie Executives! Cover-up attempted by using Holiday eviction delays

In an attempt to "cover-up" the insidious and outrageous bonuses they had planned to award themselves, a Fannie Mae insider was told to leak word that a "goodwill announcement" (press release) is imminent. This Holiday Goodwill is purported to be a two week (Dec 19th - Jan 2nd) "temporary suspension" of scheduled foreclosure evictions. It's intended to show the companies compassion, for homeowners, during the 2011 December Holiday season.   REALLY?...Compassion? Homeowners - expect the below 2011 Holiday Greeting Card.

The timing of this hollow & bogus gesture coming from the collapsed and failed Fannie Mae should cause OUTRAGE to all homeowners. It will surely be followed, by a similar announcement, from the other step-child, also in government foster care - Freddie Mac. The planned Holiday Announcement (yet to be made) was originally scheduled to be released two weeks ago and was supposed to give an additional 3-day eviction reprieve and encompass the Thanksgiving Holiday period of Wednesday Nov. 23rd - Friday Nov. 25th.
I can only imagine the excitement that would have been expressed by many homeowners. Something like..."Wow...your kidding...a whole 3-days...what a life-saver!"

Art Work by Pete Graff

However, after their outrageous pay and bonuses were made public, it was decided to temporarily delay the phony announcement good news about the 3-day Turkey eviction reprieves. Instead the top 2 executives heading the seized housing fiance giants were dragged "up the hill" (to Washington) and forced to explain, to members of a Congressional committee, why they deserved a combined $12 MILLION in salary and bonuses for 2011. Yes, you read it right, theses two axxholes (below) want a mere.... $12 million for 2011.
            Photo Courtesy of LATimes
12 Executives at the 2 firms received roughly $35.4 Million in salary and bonuses in 2009 & 2010. Fannie CEO - Michael J Williams reaped $9.3 Million in 2009 and 2010
Freddie CEO - Edward Halderman Jr. was paid $7.8 million in 2009 and 2010. Apparently that type of income was not enough, and all this "came to light" and was further exposed when Fannie & Freddie asked US taxpayers to ante up another $13.8 BILLION to cover losses for their 3rd quarter (July 2011-Sept 2011) mismanagement. These two companies, owned by you and me, continue to act as "mortgage garbage cans" for the large banks. The Too Big To Fail (TBTF) banks repeatedly sell their bad and non-performing loans to Fannie & Freddie in order to clean-up their balance sheets and "Dump the Debt" onto the backs of hardworking Americans. To date - U.S. Taxpayers were forced gave about $169 BILLION Dollars to rescue Fannie and Freddie. They have easily been the most expensive bailouts of the 2008 financial crisis and keep hemorrhaging massive amounts of money. The government "cost estimates" to maintain these two trash barrels, along with the high-priced executive payrolls, could reach $220 billion ...and that guesstimate is to support them...only through year 2014!

Even more amazing - watching these "tone deaf" executives attempt to JUSTIFY - under oath - their insane compensation. (C-span testimony below) It is truly - Sickening to watch
Listen to U.S. Representative Elijah Cummings (MD) at 34:15 point
Listen to OHIO Representative Dennis Kucinich beginning at the 50:01 point
WARNING: Watching may cause nausea and vomiting....or temporary turrets syndrome.

Regardless of the outcome, of the congressional review, be looking for the 2011 bogus PR announcements from Fannie & Freddie along with other carefully crafted statements from all the Big Banks gifting Holiday Goodwill. 

Below is an Actual Statement Released by Fannie Mae President & CEO Michael J. Williams on December 17, 2009 when announcing that evictions would be suspended for a 14 day period (Sat Dec 19, 2009-Sun Jan 3, 2010) of which 8 days were either a holiday or weekend.

"No family should have to face the prospect of being evicted during the Holiday Season"

Williams efforts to make a short eviction reprieve appear as "A Gift" is really an effort to disguise and deceive. In fact, the Holidays are simply an untimely delay to execution of the eviction process, which is usually dumped on local law enforcement. They (police) don’t want to be the “bad guys” or to be seen as throwing families "out on the street" during the Holidays. These bogus announcements, as Holiday eviction delays, are simply giant orchestrated PR moves "spoon-fed" to the media COVERING UP the on-going FRAUDclosures & Evictions that happen 3,000 times every single day. Well...except ...you know... not during the soon to be announced... Holiday Eviction Delay

And stay tuned....as we will be posting these ridiculous PR statements... as they're released by the two government wards (Fannie & Freddie) and the various other criminal enterprises banks and lenders.

OccupyWallStreet leaders had seen enough and released information for a Day of Action

D-Day is coming...Occupy our Homes

DECEMBER 6th - National Day of Action

OCCUPY OUR HOMES 

The OccupyWallStreet movement and brave homeowners around the country are coming together to say, "Enough is enough." We, the 99%, are standing up to Wall Street banks and demanding they negotiate with homeowners instead of fraudulently foreclosing on them.
 
Everyone deserves to have a roof over their head and a place to call home. Millions of Americans have worked hard for years for the opportunity to own their own home; for others, it remains a distant goal. For all of us, having a decent place to live for ourselves and our families is the most fundamental part of the American dream, a source of security and pride.

In 2008, we discovered bankers and speculators had been gambling with our most valuable asset, our homes--betting against us and destroying trillions of dollars of our wealth. Now, because of the foreclosure crisis Wall Street banks created with their lies and greed, millions of Americans have lost their homes, and one in four homeowners are currently underwater on their mortgage.

Not only do we have thousands of people without homes, we have thousands of homes without people. Boarded-up houses are sitting empty--increasing crime, lowering the value of other homes in the neighborhood, erasing the wealth that lifts families into the middle class. For more information:

National Website: http://occupyourhomes.org/
On Twitter: @OccupyOurHomes
Facebook page: http://www.facebook.com/events/304693926222145/
In Ohio our contact email: ohiofraudclosure@gmail.com

A growing number of homeowners & supporters are standing up to the banks & demanding that the banks correct the mortgage principal to fair market value. 

 I will:

Resist attempts by the FRAUDsters (banks & servicers) to "steal" our homes. 

Take necessary action(s) to Support American Homeowners. 

• If they attempt to foreclose, I will not go

• If they attempt to evict, I will not go

• If they attempt to "Steal" my neighbors home, I will stand with my neighbor in solidarity

I will:

- sign petitions

- make phone calls

- contact caring - local and national organizations

- join efforts of local and national organizations that help with foreclosure defense & to help stop evictions

- help spread the word

TAKE THE PLEDGE: IN DEFENSE of AMERICAN HOMEOWNERS: (CLICK HERE)


OCCUPY Minneapolis formed a human chain around Sa'ra Kaiser's foreclosed home, preventing the officers from boarding it up, and ultimately forcing the police - who had no legitimate legal pretense for preventing occupiers from being their in the first place - to give up. US BANK wanted to evict another homeowner and blight another house and neighborhood.

Breaking News - Foreclosure Crisis Solved

OK - I admit - the headline is a stretch .....but at least I have your attention. Look everyone... we've been in this FRAUDclosure Mess for about 4 years now and sadly nothing has changed! We've tried to expose the outrageous and illegal behavior exhibited by the all the "banksters." We've tried to show the Asleep-At-The-Wheel government entities..... from the White House.....to the courthouse...to the outhouse!! Yet - Nothing changes.

Today, I decided the best course of action is to let a couple "Einsteins" tackle the subject. These two outstanding writers Martin Andelman & Abigail Field have uncovered the "dirty little secret" about this whole foreclosure mess and ....IT WAS NOT CAUSED BY............IRRESPONSIBLE BORROWERS !!!



IRRESPONSIBLE BORROWERS

The IRRESPONSIBLE BORROWER is a "stereotype" being reinforced by those who benefit by blaming the borrowers. In other words - IRRESPONSIBLE BORROWERS did NOT cause the foreclosure problem! As Martin explains....describing Homeowners in foreclosure (i.e. delinquent borrowers) as "IRRESPONSIBLE BORROWERS" is just "labelling." This is NOT accidental, but instead.... a coordinated and highly sophisticated communications initiative being implemented by motivated experts.

Over the past year, and especially in the last couple days I've spoken to Martin. (Yes !! he was working on a solution and talking by phone - even on a SUNDAY!).     And to be honest....I've never heard him so upset. But, his emotions were contained and overridden with his equally passionate efforts  - to get the truth out !! We discussed the possibility of attempting to get all the major bloggers - as a group - to get the message out - together - jointly. Well... read the part of his post (below) that address that component:

.....Bloggers:  We don’t compete with each other, Abigail and I write articles, we don’t sell advertising, so cross post this article and ask your readers to send it to everyone they know.  And get in touch, because we’re building a list of “thought leaders” and we need your name and contact information on that list.

That way, when we produce an article or research report intended to address the “irresponsible borrower” stereotype, we can email it to you so you know to post it.  We need to get this one message out as far and wide as possible.

.....and to the Attorneys:  ....You have Websites and blogs, but more importantly you have clients you talk to everyday that are a part of this fight.  I know how busy you are, but I need you to spend the extra 10 minutes it takes to not only post this and other articles to come, but to tell your clients about what we’re doing over here… tell them to read it on Mandelman Matters or on your site, or anywhere else.

To that end -  Do not just read this....and then say....WOW...what a great piece of work. Instead Tweet, Link, Facebook, and/or Forward this (by email )to at least 10 people who ARE NOT IN FORECLOSURE. I repeat - forward THIS communication to 10 people...you know.... THAT ARE NOT IN FORECLOSURE. Don't worry, we already have the homeowners' reading, tweeting, and linking - that are suffering ....IN FRAUDclosure.

We need to educate the public.... on the truth .....and we need to do it now!

I have tried, in the past, to use a simple dictionary DEFINITION:

However - TODAY - I ask that you sit back and carefully read - probably the best researched and most complete picture...that explains......how we got here.... and.... what message we need.... to educate....in order to go forward so that history ......DOESN'T repeat itself !!

The TRUTH and great post from MY FRIEND -  Martin Andelman - is linked below & titled:

Our future hinges on just ONE thing…

MERS on Life Support - legal rasping - Death is near

MERS legal department: "DEATH RATTLE" & "RASPING" has begun as
MERS CORP. CEO prepares a "DNR" order (See picture below)
GOVERNMENT entities* said to assist patient (MERS) with dying wish
                              DNR = Do Not Resuscitate

*DELAWARE = Attorney General Beau Biden SUES MERS (see above video)

Read the press release announcing the lawsuit 

Download a MERS Fact Sheet
Read the complaint

What is MERS? **
Who is MERS CORP? **

Mortgage

Eliminator

Rip-off

System     

          of

Corrupt

Officers &

Repugnant

People

OUR WHOLLY OWNED & MONEY MAKING rip-ff SUBSIDIARY

Money

Enrichment &

Reward

System  
**Any similarity of acronym or name(s)... to a real business... is purely coincidental

MERS CORP. CEO signing patient (MERS) -  Do Not Resuscitate order

* Federal Government entities prepare for the disconnection of MERS "life support"
while individual STATES* (below) respect the "DNR" request for NO "heroic efforts"
(Translation: NO FEDERAL money or bail-outs - NO settlement $$$ with state AG's)

County Recorders vs. the MERS Machine

Deed keepers say they’ve lost millions to the mortgage industry

*PENNSYLVANIA:  Montgomery County Recorder of Deeds Nancy Becker
Recorders generally don’t make headlines, but Becker’s public protests did. (See Below). She says she was thrilled when she received a flood of “You go, girl!” e-mails cheering her on. The mini-movement’s main champions are John L. O’Brien, keeper of land records in Salem, Mass., and Jeff L. Thigpen, the register of deeds in Greensboro, N.C. In April they asked Iowa Attorney General Tom Miller, who heads a group that’s negotiating with banks over wrongful foreclosures, to press for reform. When O’Brien’s and Thigpen’s letter to Miller made national news, the men began teaching other recorders how to get what they say they’re due.
Counties in Kentucky, Ohio, Oklahoma, and Texas have filed suit for back fees. In one of the largest cases, Dallas County sued MERS in October, saying the company owes it as much as $100 million. (Read the full Bloomberg Businessweek story HERE)

Montgomery County Recorder of Deeds Nancy Becker is urging registers of deeds across state and the country to withdraw public money from any banks affiliated with the Mortgage Electronic Registry System (MERS), which she claims is undermining the practice of accurate land recording.

"In recent years, mortgages have been assigned and reassigned multiple times, and when a bank or other entity doesn’t properly report these transfers, it makes it very difficult for homeowners to determine who holds their mortgages. It clouds the chain of title, and it’s prohibiting (officials) from recording revenues they should be recording," Becker said.

Since 2004, she estimates the county has lost $15 million in fees from 139,798 mortgages recorded via the MERS system - which fails to reflect assignments

*MICHIGAN = University Law Professor slams MERS in AMICI brief  (Thanks Hamlet)
*NEW YORK = Attorney General subpoenas the MERS bogus spreadsheet registry
*OHIO = A small rural county (Geauga) prosecuting attorney SUES MERS
                  or the CrainsCleveland article also....
                  "MERS has trouble, right there in OHIO, with a capital 'T' "
Great read (above) by national blogger Martin Andelman w/quotes from Marc Dann
....“This case asks court very directly whether the MERS system complies with state law.  If it doesn’t then I’m going to go back and reopen all of the foreclosures alleging that the transfers were invalid,” says Dann without hesitation
*ARKANSAS = Hot Springs County Clerk sues MERS for TAX EVASION 
*FLORIDA = Florida Clerk of Court Sues MERS (HERE)
Oct 31st: Jim Fuller, clerk of Duval County, filed suit against Merscorp Inc. and its wholly owned subsidiary, Mortgage Electronic Registration Systems, Inc., claiming civil conspiracy, unjust enrichment, as well as FRAUDulent and negligent misrepresentation. The suit also seeks a hearing to determine the validity of tracking note transfers on the MERS System and a court injunction to prohibit the use of MERS in Florida.
“MERS has usurped the rights and privileges of the Florida Clerks of Court by establishing, maintaining and inducing lenders to use its private recording system, which unlawfully interferes and competes with the public recording system,” the suit, filed in state circuit court, reads.
*TEXAS = Dallas County District Attorney Craig Watkins SUES MERS
also see MERS bogus robo-signed recorded then rescinded "release of lien"
(11-1)update from friend Housing Doom - Dallas DA expands MERS SUIT to CLASS ACTION!
   El PASO - NEWSChannel 9 - great six minute story/report (VIDEO HERE)
Texas Attorney Richard Roman: "MERS has...single-handedly taken the American dream of home ownership and turned it into a nightmare,”
*MASSACHUSETTS = Recorder (Hero!) John O'Brien Sues MERS for $22 Million
Click here to read the Press Release
On March  7: NBC News Reports: Counties Seek Millions From Mortgage Giant. 
Click here to read the story
On February 23: MERS may owe Commonwealth $200 million. 
Click here to read the Mass Lawyers Weekly article from 2/23/11  
*KENTUCKY - County Clerks v. Mortgage Electronic Registration System(MERS)
* NORTH CAROLINA:  Register seeks 1.3 MILLION from MERS in
"Lost Revenue" from FAILED unrecorded or bogus robo-signed assignment

REGISTER OF DEEDS JEFF THIGPEN REFUSES TO ALLOW MERS CRIME SCENE

*TENNESSEE = vs MERS (SCRIBD DOC)

MERS most famous employee (LPS "Robo-signer") "I'm LINDA GREEN" (All 3 of her!)

WHAT? Are you Serious? Certainly all three Linda's are in Jail......Right? NO ?
Oh-nothing illegal-just some everyday Forgery, Fraud, & Corporate Money Laundering

NYE LAVELLE - Letter (about MERS Fraud) to all 50 Attorney Generals