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8/8/2019 UNFAIR, DECEPTIVE & UNCONSIONABLE ACTS IN FORECLOSURE CASES
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~ - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - 1
UNFAIR, DECEPTIVEAND UNCONSCIONABLEACTS IN
FORECLOSURE CASESPREPARED BY: JUNE M . CLARKSON, THERESA B. EDWARDS AND RENE D. HARROD
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Overview of Foreclosure Industry~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Florida Attorney General investigation 50 State Multi-State TeamInvestigation Law firms began withdrawingdocuments Banks suspended foreclosures
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Delinquency & Foreclosure Rates 2006-2010-----------------------------0---------------
Figure 3: Delinquency and Foreclosure Rates (2006-2010io O
Source: Oversight Panel Oversight Report, Examining the Consequences ofMortgage Irregularities for Financial Stability and Foreclosure Miigation
16 %14%12%10%8%6%4%2%0%
IIIIi j g i @ 9:) ~ I .~ @ & @ c cs c C ! Rrv ~ 'V R ~ ~ ~ fi i f'VS & (g 3 a & (g 8 S C i f Y 8 a " " [g C f C J C J0"_ Delinquency Rate F o re d os u re In v en to ry a t E nd o f Q u a r te r
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Data not available low torectcsurei ate Modell tefoleclosnre rate Highforeclosu. e rate
L. .eeCounty,FL. .Tot~1households: 364,93:2
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Unemployment RatesForeclosure Rates Median Household! In.comeData not 8\ la i lab le .lOW fo re clo su re ra te M o(le ra te fo re clo su re rate HigJl f o re c lo sur e ra te
for eetosures: 1in 116
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Foreclosure Rates Unempl:oymentRatesData 1101 avail.ilble low foreclosure rate Moderate foreclosure rate High foredosure rate
To tO ilIh o us ehe td s: 3 94, 126
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The History of Mortgages in America-----------------------------0--------------- Bankers used to take theoriginal note and
mortgage and secure it inthe bank vault.
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Mortgage- Backed Trusts-----------------------------0--------------- As the mortgage industrygrew, bankers began
securing the notes inmortgage-backed trusts Trusts are a bundle of
5,000 notes secured bymortgages A bundle of notes maycontain 5,000 notes andmortgages with a facevalue of $1.5 Billion
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Sales & Servicing of Trusts-----------------------------0--------------- These Trusts werepackaged as ResidentialMortgage- BackedSecurities ("RMBS") and
could be sold to investorsin bite-sized pieces The rules for theoperation of these RMBStrusts were set forth in"Pooling and ServicingAgreements"
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The Travels of a RMBS bundle-----------------------------0--------------- Trust bundles travelfrom:
o The Lendero To the Depositoro To the SecuritiesCompanyo To the Trustee
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When it doesn't work quite right ...~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Sometimes a note or a mortgage gets lost.
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When it doesn't work quite right ...~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Sometimes the documentcustodians are lax abouttheir procedures.
That appears to be thesituation here in Florida aswell as across the nation.
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When it doesn't work quite right ...~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Sometimes there are just too many documents tokeep track of any single Note or Mortgage.
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When it doesn't work quite right ...~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Keep in mind these aresome of the largest banksin the country ... losingownership paperwork!!
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The key to the problemsregarding foreclosures ofmortgages are theASSIGNMENTS ofmortgage.
IMPORTANT: The Key~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
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IMPORTANT: The Key~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Assignments ofmortgage operate totransfer ownershipof the mortgage fromone bank to another.
You sue on the notebut foreclose underthe mortgage.
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What if there is no valid assignment?~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
A valid assignmenttransfers the ownership ofthe mortgage and allows theassignee of the assignmentto begin a foreclosureaction.
Only the holder / owner ofthe note and mortgage caninstitute a foreclosureaction if the homeownerstops making theirmortgage payments.
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If themortgageis notproperlyassigned ....
the resultis chaos.
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The Paperwork in Securitization Process-----------------------------0---------------Saeu ritizationTrus t
Source: Oversight Panel Oversight Report, Examining the Consequences ofMortgage Irregularities for Financial Stability and Foreclosure Miigation
Dpositor(subordinsponsor]Secur lt i zationSponsor
ortgageOrigInator
Dpositas t d l s MBS t o. .nderwritEr
fo pu l ie sale
Trust IssuesM ' B S 10lOe,pos[tor
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EE
Sample Assignment of Mortgage---------------------------0--------------c1Da :1Pr o3281 DFORT prBJl.C~ PLl4982
IFLORDIA.a nd r ec or d e d inthl: offici al re co rd s o f th e COUD ty of S t Lucie, Slate of Florida affl:cting Real Propelt) ' andmor e p art ic ula rl y d es cr ib ed a n s ai d Mo rt ga ge referred to berein.IN ' W ITN ESS W HER EO F. th e undemigne .d bas ca1JSOOthese presents to be ex ec ute d o n this d ate of
1Oil mo (}8..Mo .r tg JJ ge E le
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Execution of the Assignments~ - - - - - - - - -- - - - - -- - . -- - - - - -- - - - - - -- - - - .- - - - - -- - - - - -- - - - - . .- - - - - - -- - - - - -- - - - .- - - - - -- - - - - - -- - - - - .- - - - - -- - - - - - -- - - - - - ( ) - - - - - -- - - - - -- - - - - - -- - - - - -- - - - - -- - - - - -- - - - - - -- - - - - -- - - - .- - - - - - -- - - - - -- - - - - .- - - - - -- - - - - - -- - - - - .- - - - - -- - - - - - -- - - - - I
..:IV JP RGAN CHAS .8AHK.NA NAl. ASSOC _TtOIN C .BENCV RTrFlCATE The Banksappointed
individuals toexecute theassignments
-~. . .. . . . . . k '! 1 D n. I ' . _.i , I~' j I
I" ,I I I I I I I'. ~ . . J . , :. . ~ ~ 1 I I t . . . . ~ . : I
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Execution of the Assignments~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Many individuals who executed theassignments knew nothing about thedocuments they were signing, theseindividuals are referred to as "robo-signers", ,
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Execution of the Assignments~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Individuals included bank employees, lawfirm employees (lawyers, paralegals, andeven secretaries) and document preparationand processing company employees Thousands and thousands and thousands ofassignments ... signed weekly.
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Robo-signersFake witnessesFake notariesFake documentsFalse affidavits
Fraudulent Practices come in all shapes and sizes~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
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Problems with Assignments~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Not executed by the authorized person Signatures not witnessed properly bythe "witnesses" Signatures not properly notarized by anotary
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~.-r... , _ .. ..._""(0 ~~Wm'JU.'-- rnou..s-:
Forgeries in Assignmentso E x am ple:Variations of
Linda Gre,en(l>M." ,._.., f!t-. .. .. .. , .. -_ "' JM~ '~W i l r l~ " ' '' 1 , , ! I 1 i I ' .MJO;l; .Jhl~~,~ . . . . . . ]~
Signature I
~ 41 .D !!! Ji !) )I :~ ~WM.' L. 'ff...ro .JKlt#'nIJaII" .......,...MO O\ M . . _ ' R I " " ~'I1(Ifi.(HI ~'fIM~" _ 0 ' 1 .~c:, :=_-..l N " - . a n a : J l , : : . ~ KoOK~~' r 'fHoI l.Oo'TII I" , " "' ~,..,.... _~C'OIKT'f '. ~ ""I
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Example:Variations ofLinda Green
. . . . . . . . . .1k.4'~II'tq':I.~ltj- ~ P a J ~ . ~~ I I W I : : I l, iI .. H T ,.I.'oOCl(11n.w_.. II
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Sig natu re 3
Forgeries in Assignmentso Example:Variation.s ofLi:ndaGreen
~~. ~Q,*~~' IM' !" It "' :" '~"f i! !i !f03.1rd,~~IiIf"ATC_~ ....._f~1( 'UC1Q'iIi~Mo;:Fl f l l l lC i . _ " " " ' " " " .. . . . ,11'011lo*-.iiiia..r ..... ""'... t'...lnm!~,b'N.ii~~,~~.I,,~~~~.I .. , " ' ' ' ' ' '' ' ~ . I ' ' t t I , I i I ' i I ! ! 'W I I I ! F ! _ 8IIu " 'I i It I' I. I II~" '" . . .. . ~~Bq i: m IPII~c~!i.~~.--.'P.alI.l'llllr ~~,_ 'I!I..,.....~I'UII!'.IiiiIIo~,- ....... _,I!IiiIIf' ... OI,~ '!r#HII"t'WIo' tIlIIl ... ~"t'"Ci!tifttll~... DIi't:D~ IlilHitliil .... ! i lC I I i W I ! I U . . ~LPlwa. 1MIll:-~ ~.MII\;holIU'drIIIWJ'J~(; ii I. pt!I ;~1 ~~~. .,~ -'.if'iiQ.I:'IIftL",""1~'''''''PL-'' ~:c... ~ ~~:fII Qipn'Jro..[f',= .-.:III!o'D)!pll:n:NI1Q.l~ I~,III(I~' 'Ii.!iaNC'OU'.",_Nlm... ,-_-..t_ - ' . . . . . .._ _ , . , . . """-MiI&.~. Lo.l"'K:EE~WT r t o .PJ .t ' r :n : IKHtTt I . ' . .~I1't'IIiiIAatIi'RDi:J:1
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Example:Variations ofLinda Green
- . . . . , . , . . _ . . . .- - . - " -............ ~.II"II!t,.h_ , .' liit Ao~ . .. .. .: 0 . : r 0 0 , " ,
Forgeries in Assignmentso
Signature 4MonpcC! Ele
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Example:Variations ofL.inda Green
~,.,....'I"II6)"1I_1i1ll';~~.J'I.~'IW"i iI . ~ . . It.mr'''MDit t.;a'DOCli:IUI . . .. . .. u,g.;,,. . .~
Forgeries in Assignmentso
Sig nature 5 h'rIUlI, ]!I,PiP ..... ~h.. 1O'J;U7--iIIl'Ji,"ii(:~"'l.Ml.UIUL 1.1111,,"-, 'Amfric:an HODle Morl lr- lgc Sen,idllg'. In c. a s sll(':c,cuor.in-llltere$,t10 Option ORe Mortgage Corporation~rice Presidenl
'0,. ~oUilI "' ....L.IM ... co.:."-i::lUillrKl'(" C'f" .:mI"fIa-.;_' 'iII~,.I""IJ~ A.inl1t!IIIO_~I1~tju..~ U'HI!I'~"'Ii!I,~o.:I.i~4C_'~~Q." ,,.\u..Ii . . . . , " " P ! !l.t;.MI ..... (f'II:w : b r '. a I'ITTi!LC" nul."ii.W ".!II'Ii!.""JiI!:!II~ ...'.;i!rJ, ,. .. ho _1 II ,, - I\ ~ ~.lH-~~M~f.'"1W ~.IIII!tIl ....... d ...... ( I. :. .. . .lhill_,kj "",IJ,1rpdI .......,.., 1Jnrr1iJlii-t J'rul'M.V1.., l iJ, MW~r. i. (. ;. ii l; i. I, .. . ~~1. ,..~6\.l't "I- UI u '5i 8I lo l l . . . fab: tI.Z.1.c.1. tiP- il;.,tfH:I I I 'I i .wr....,.,oMtol"b4~ o c : - . '*i;~ tftn.il!IoI{l 1 I I I i ' , . . . .p.;oa."illl'fll).Jn~.... IIF bIaJ I I : i t f . 1 I C i I " ll ll fI 'i , ~" [ q f I : V ' ~ ' . I f J " "d'i*i~;j:llliidl'lJI~' It :. ~~.!W'i ,t- . .., ,!t;.m . .t5:t ,I.H'~ I~ iIiIr;f-'".. NTofa.lil1"!IM-I'III-...t.I!I, :i'I.'iII"'IIII!!ne,,~'~""~ i J I I' J i roo"l l f t' - t . .. . . _,. ' . . .GL . .. .1 iIhrr- ~!rQJ'Tr
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Vice President Linda Green Signature~ - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1
Eiedroaie Reglstratioa Syttems, IDe.UD o m m e e (orH~.eMorta l . Aceeptuee, IDe.~
n H om e M ol1& .C e ServJclll ID e. asr -I n-in ce ra t to P Plio D O n e M o rtg ag e C o rp or atio n
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Who is the Real Linda Green?~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
American Home Mortga e Servicing, Inc, as_ succos..r-in-iDter" '~np Morlgag~Corporati Lin~'~Vice President
MORTGAGE ELECTRONIC REGIST,RATION SYSTEMS, INC.AS NOMINEE FOR AMERICAN BROKERS CONDUIT
Linda GreenVice Presidentr--~~~ Ci'J. ~
Am t ru st F u ,n si ng Servieies, Int., by A .mer ic an HomeMort~ge s . I T i : . : : i l l . y ~ n - f u c t . /
LibaCrwn ~Vice President
~erican HomeMortgageServicing;Inc.asj eesser-ln-interest to Option One Mortgage Corporation~ ~,~~ r)
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She is listed as an officer of dozens ofbanks and mortgage companies.
Linda Green's "signature" appears onhundreds of thousandsof mortgage assignments.
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.. Vice President, American HomeMortgage Servicing, Inc. Vice President, AmtrustFunding.. Vice President, Argent MortgageCompany
V ic.e President, American B rokersConduit
, Vice President, Bank of America.. Vice President, Citi Resfdent ia lLending
.. Vice President. First Franklin. aDivision of National City Bank ofIndiana
.. Vice President, Mortgage ElectronicRegistration Systems, In c. (MERS )t asNominee for Amer ican HomeMortgage Acceptance
.. V ice President ..M ER S, a s Nominee forFamily lending Services.. V ice President, MERS , a s Nominee forH LB Mortg ag e
.. V ice President, Option One MortgageCorporation
.. V ice P resid en t, S an d CanyonCorporation
V ice President, Seattle MortgageCompany, Vice President, Wells Fargo Bank, N.A.
A Few of Linda Green's Many Job Titles~ - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
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Seott Anderson, Oewen employee-----------------------------0---------------MORTGAGE ELECTRONIC REGISTRATIONSYSTEMS, INC. ACTING SOLELY AS NOMINEEFORneLTA FUNDINGCORPORATION
MORTGAGE ELECTRONIC REGISTRATIONSYSTEMS, INC.ACTING SOLELY AS NOMINEE FORFIDELITY MORTGAGE A DIVISIO AFUNDING CORPORAliON
B y : .Name: Scolt W. AndersonTide: Vice President By:Name: Scott AndersonTitle: Vice President
MORTGAGE ELECTRONIC REGISTRATIONSYSTEMS, INC. ACTING SOLELY AS NOMINEE FORDELTA FUNDING CORP.
MORTGAGE ELECTRONIC REGISTRATIONSYSTEMS, INC. ACTING SOLELY AS NOMINEE FORDELTA FUNDING CORPORATION
By: AName: Scott AndersonTitle: Vice President
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W 0 i sTywarma i homas?~.~~i Y W t n a Thonlf~s ...Asst. Vice President
Who I S Jessica Ohde?
Forgeries by Mortgage Servicers~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
A st Vice Pre ident
I nThomasretary
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AMortgage Servicing Company~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Mortgage servicing companies help banksobtain foreclosure by preparing documentsnecessary to facilitate the foreclosure inCourt. These companies hire robo-signers whoexecute the documents by the tens ofthousands per month.
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Mortgage Servicing Companies~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
DocX had offices employing dozens of workersproducing thousands of fraudulent assignments.
Lender Processing Services produced 2,000assignments each working day. GMAC (including its first famous robo-signer,Jeffrey Stephan) also produces 2,000 assignmentsevery day.
Nationwide Title Clearing out of the Tampa area alsoproduces 2,000 assignments every day.
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Forgeries in Other Documents~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
." ' . . . . . . ,.. ..". ..,.
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~..- -. . . . ._~' ~ IW cdx:r: OO:ltlB.O'OZ-6" -_ Dac: O,2;/03/DI5Lo.1N~ 5(1t105223
. ~ " ' ~ . _ . , u . .1Ii' I i,'J." """. 'f~I pi . \," e, :.'~" I I. ~
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Forgeries in Other Documents~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
101 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0FN 20060092890OR BK 19933 PG 1827RECOaoED 82,/15/2'"
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P;. .o:r.1aaAlIT7.88."" '.Deed Doc 2..73814
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,,It.:',"u::o.r Of" MORT!. {.I.fUll (;O. I " .. .: I\ . . .. . , ~ . ..1~ !> o J. . . ~ " '" " ")I:"_led...., '\IOIIT(;, "GE [ lV"'TfLO.' \I t" Rf. 'l "" 'TMATlO' l: ~ \ S, l.":'>.1' (". .. . .0 \ll~U FUk,"I RU:-~;"I i ,IUtUll, 'b CU."i I)L If, ..",_ > 0 4 4 0 " . . . . . . . ~t q',_ ,'0.", .. 1....... ('/11, ;r :" :k . ., .,
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Examples of Bogus Documentso - - - - - - - - - - - - - - - - - - - - - - - . , - - - - - - - - - - - - - - - - - - - - - - - . , - - - - - - - - - - - - - - - - - - - - - - - . , - - - - - - - - - - - - - - - - - - - - - - - . , - - - - - - - - - - - " IThe G ran tee is id en tif ie d as "B ogus Assignee .
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Examples of Bogus Documents~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
The Grantor is ident if ied as ItA Bad Bene. "..,,-..u.~\oIl(to. , 1 . 1 :I'I:-"f,;I.fU M 11""l'IU '-'''U " 'ALL , . . .. ('OiWllt~l\rl:OIlll. Ilk' " 1 0 " . i I ' : l:ri m "IIutrl,"'''''T' t 'IPo.I.Ii."'" h-xt.,
.....II;J'\,.,.......~ 'iIII" ':D ,iI,r" ''' ',,.~ ,~ 'I'I ~ loiI~ )Ihrtt.,~'_w~h"~ _oiIIll ~i"iK," ~ 'I'I,U .rPl"""'l"1:_tP"'l ~" .......... ,.i~I'L - ~ _ " ' " liIiIK.I'," o i I . ' i . . i L U . ' ' ' 'IN WITNSS \VHEREOf, the u n de rs ig n ed h as c au se d t he se p re se nt s to
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bL :=r? ...>;.Wilm::ss; Dawn W i ll iam s ABAD BEN
Koreli H a r p and T yw anna T hom as, k now n to m e (or.) that they are the Vice President and Asst. Vice Pr
.... ,. .",~;Ir;iJI~."'~I.....,~.n ...""iJ~~~bIJo.r"MI!i",~ ...'!I1;,""'".'I'IioI ...""'.. .a.II""l.hrJ~i'IIl~H4"'W"I~
. ~ '"" ' Pl ' I U"I J ~ .i-.fli.r,.,.'~..J .~QIw Ufo hnrl '_ ..;,ab . .. -t" YIt t l ' i f 1 i l
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Examples of Bogus Documents~ - - - - - - - - - - - - - - - - - - - - - - - ' - - - - - - - - - - - - - - - - - - - - - - - - ' - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
IJc.v .urlF. ;)j;~tpM"C_da.y;P.wMtU.fi.~l-9Q3W~~: :=~c ied~TO ' :oocx[UlAJd..l:J"IIIa.nr.SL.l.~~~
CF.df!l;(IEV:i::it'Z~B--:r*.:,ItOJ[t,.l'"DFD~WI3~(IA. ! I- l I7 I II t B i I:b !' ! !orD!174! i1 'JI'~A.r.ldrc~;lJl.l INWn-:nMlAMl;!I"L 3"J "'i~
~roNlrtl.tNl' 1J1 ' ~O!ilrG.liG[.FUR t;{)(}P' oUIV v~.. .~,.\l.I[... OOI: 'fSI 'D:ERA T.IO!'I,. Ill.:. ra-::,p!: ~nd: ~Llm~ OCMJil:b. is ] lI l1 't1 'b~
:te.kr~~d,. ",.~.Kinllllkl~!- ~I)"'V:!I:~ Auq!.lgT1~t tee, '1I,hlhl>ll-.J..ili:=o i~~~~_~~~o}'~~~~JlSlJ't(;:(dI}'IIlJ.mt.~ In . ~ I~ , ~ 1e ;' 1 , c rI II ls .f ar , 1.'VII.'fB.)" . ~I uvar aiKl..:l~Li~'tf' I.,mto 110.(;;1J! j: .lSiSIGJl i :E.Io fOltINTll:n vtMINi'::A~M'.nI. w n c s e ~~I 1 ~lIIOur,iL'Ifl,'JI~
i thlrrn.illt
ASSIGNMENT OF MORTGAG E .FOR G OOD AN D V ALUABLE CO NSID ,ERA TIO N, the rece ipt and 5uffici.ency of w h ich is h ereb ya ck now le dg ed , Am e rIc an Hom e Mortgage A~t:eptance. In c . . w h o se a dd re ss i s_ -----------~-------'. does by t h es e p re s en t s hereby grant .bargain. . seU,RSsign, transfer,. convey. s et o v er a nd d e li v er unto BO GU S A SSIG NEE FO R INTERVENING
O rig ina ,IB orrow er(s): M ARIA M ORA .LES A SING LE W OM AN AND SANTIAGO AZAHEL GAROriginal Mortgau.ee:: AMERICAN HOME MORTGAGE ACCEPTANCE , INC.D ,ate of M ortgage: 0 7 /0 5JlOOS Loan Amount : $ .l ~'lOO~OORecord ing D a1 e:0 7J1 8 1 l0O S Book : 1 3578 Page: 260-283
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Examples of Bogus Documents~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
The e ffe ctiv e date is in the year 9999.A.~,~I(,;:'I~.:\cT o MOHrt;AC;t.
relH ( .m lll .~. '0 \ AI.l'.\llr.F, ("o,"IDf.~ ...'TI()f!t. u~ 1'",";(II;MI1I~lrn:a.7 , 4 " ,hLL1 '' " Imcll}'""i...._bl~~o1 ..,........n......M:IIriII.~.'MrI'W1 ~ I..........1u.1k&lilnI,,"~I lni ... ('o.lltr lNi,':'r tgagee; ,HOMEBANC MORTGAGE CORPORATIONgage : 0 5 /0 3 /2 0 0 7 Loan Am ount: .~ate : 0 Book : N /A Page: N /A Docu " 20 0ents. ASSIGNMENT EFFECTIVE DATE 9/9/9999 'seRI ONDOMIN1UM PARCEL: A...NIUM DESeR] I -ECLARATI ( J. AS RECORDED IN OFFlCIAL RECORDS BOOK 231, I,ITONS AND AMENDENTS TO SAID DECLARATION
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Assignment of Mortgageo ------------------------------------------------------------------------------------------------------------1ASSIGNMENT OF MORTGAGE
FOR V ALm R ECP.1V ED, en or bdor tl Otlabn 04 , 2008, tbo::undel'!i.gned, M ORTG AG E ELE ... ,IWJ'i....REGIS1'RA:TION SYSTEMS INCORPORA.TED AS NOMINEE FOR LITTON LOANSERvlClNG. L.r,(~Assignor") whose IddrI!S$ iJ 18 UILibf ;uy St reet , Suit e 300, Res ton, VA 20190 a )S ign td. hI t! IC:r tCd ao.dcon ..qed to: UT 1 'ONLOA. jI I S I1 :R v tC tr tC L P . " SS fi a" V IC R FOR GSAA.IIOME EQUITY TRUST 2001~~ . ( ~As c~ ig .f }e e ' )w ~ s c ~ is 4818 l .Aop CCflIJ'al D riv e, , HOIlSf(lI l , 'DC 110&1-12 . 26 , il'lSlll:!:1:l5Ol"S and/or
MORTGA .G E . E L EC TRON IC RECISTRATION~ r 7 E S ~ u o 'TjpcdNamg; ~Till~:Ce:rlifi.ed Offir ----
W i t n e - 'l STyped NmI~__ P _ ~ - :_ . "_ . -H - - :o ., .- .- . _ _ ._ _
Witnes J V a n e I A . H e m a n d e zTyped :Nam r.'-- _
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Corrective Assignment of Mortgage~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
IIIIIUu m 1IIIIIIIIIImlllllllllllllllUil' 1 1 . _ . . . CFH 2 1 _0~8 '.o _QJ_ _ '" 6,CI!.-&k--7?l-U P,i 1492 ( p ~ r -- - -- - - _ - - _ _( CCR OE D0 1/0 7120 11) 11:38:39 )- l tA . 'l V ! _ . R U V I C L E R K O F C 1 J . I J R l - - - - - - -1 1- -PE-aroMTTj-nfJRlOACORRECTIVE ASSIGNMENT OF MORTGA LAST r A G .
MOR'T'GAC iiLU:TROH.lC RGIBTlUo1101\'SYSTEMSINCOlU'OR:.\ttO ~NOl'!t1N'tt FOilAXI,' ,D ,M,11N~, ", Sg'V[C~I1r. .. .A-: 'I'riIII N....., '~ni~ BaileVTfllo: , Ass iS t ani Srxretary
i 'JI!lIN~ . . , . T T I I ; 1oIUfiI'~\,-,d'4'" bM.. ~.ClYw m . . .. .PrinlN."", .!IIIIIIoI1IINMB
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Filing Lis Pendens Without Standing~ - - - - - - - - -- - - - - -- - . -- - - - - -- - - - - - -- - - - .- - - - - -- - - - - -- - - - - . .- - - - - - -- - - - - -- - - - .- - - - - -- - - - - - -- - - - - .- - - - - -- - - - - - -- - - - - - ( ) - - - - - -- - - - - -- - - - - - -- - - - - -- - - - - -- - - - - -- - - - - - -- - - - - -- - - - .- - - - - - -- - - - - -- - - - - .- - - - - -- - - - - - -- - - - - .- - - - - -- - - - - - -- - - - - I
I 1 1 1 1 1 1 1lIIlUIU I I I I I I I I U 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
US BANK NAT IONAL AS SOC IAT ION A S SUCCESSOR 'l'D1r1C"'1"~T O WA.C HO vv . B AN K. NA, A S T RU ST I! :E F OR WFAS C 1 00 5-
L...- ---,- __ __..-.-- .... BV, THROUGH, UNDEJ.,AND AGAINST THE BER.EJN NAMED lNDWlDVAL DUENDANT(5) WH.OARE NOT KNOWN TO BED EA ~ O R A LIV E, W H ET HE R SA ID U NK NOW N P AR TIE S MAY CLAIM A.N I NT E RE ST A S S P OU SE S,nsras, DEVISEES, GRA.NTEES, OR OTHER CLA[MANTS; WELLS FARGO B.ANI(, N,A; THEGRANDVIEW PALACE CONDOMINIUM ASSOClATlON, INC.;. TENANT 11'1.TENANTI#l. TENANT#3, Ind TENA .NT IU I he n.ma. be t llg f II : ti t Io l I$ t o . c OUD t f Dr plrttcsln pouusionDere"d.Jl t(s).
NQDCEOF LIS PENDENST D the above -earned Defendan1(s ) an d a l l o t he r s whom it may conce r n:Yo o .af(: not if i . e d of th e institution of th isact i OIl by the above-n amed i 'l a in t if f, aga i ns : t y ou seeki ng to f or t( : 1 . 0soca
m ort~ re cord ed in O ffic ia l R l:C (lrd s B o ok 2 327 &, P 'lg e 36 42 , OD the f o ll ow ing p r op e rt y in DADE Coun ty , . F l o r id a .:UNlT NO . 407, THt G llA NDV JEW PA J..A CE. CO ND OM INIUM , A CCORD ING TO TH ED EC LA RA TIO N O F C ON DO MIN IU M T HER EO F, A S R EC OR DE D IN O FFIC IA L R EC OR DSBOOK 21423, PAGE 3980, OF 11lE PUBLIC RECORDS OF MIAMI-DADE COUNTY, FLORIDA,1UGETHEIt Wl'm ANY AND A.L.L AMENJ)MENT'S TO THE DECLARATION AND ANYU. NDIVID.. ED 1!fI'E... R FS f. . . IN 1;HE ~MM. ON ELEMENTS OR ....PPURTENANCESTHERETO_Dated this'~ " " d a y of Sgf'~_ k .!lC ,2008 _
F I. cr ri da D d lI ul t L aw G ro up , P o L .P .O . B o x. 25 0 1 8Tampa, F lo ri da 3 36 22 -5 0 1 8(81 251-4766
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Assignments After Lis Pendens~ I l l I m 1 6 1 1 1 ~ ' l i n 1 1 1 1 1 1 1 1 1 1 I I II I O U 1 1 1 1
SS G NM ENT a MOR A E~ 1ft CWIai.I)$, ~ In omtItI. RIow& Book 2317J . f'1&t3e.42~.lIn~~~~UNITNO.W1,nmCilW'iDVRW,."""aCO'~DlIRJM;'1iJ;;tltJllll:;qm:;i"TtJTII~---------------___JDIrCI.UATIOH0' ro~ TBIRJ.O.f. AS QCOIIJED 1 1 ' 1 Ol'nCtAl.JlIC()RDS BOOk:Un!, . ..u: :S.l$.. OJ ! 11ftKlBLJC RICO'aDSOJ M.1..UII.-lWlI.COllNTY. PlA)RID", TOOIn'PR 'Wl'1'E AHY '.AND ALL .uaNDMIKT.! iI 10 TBaD IC t.A JA TK Id A ND AN Y tm'IH'o' lDD trn1:IlE5't Jtl'Ill!. OOMHOI 'I S J .. .JMINTSOR APPURTiNANC!S rBBRITO .
d !c . . .. ., rn.yhM~~m_ w~ ~rib (hI t o r . . ...t~~ _.,.du.by ..MORl 'QA .OOJ l ,( S ) RO l lERT J ' R . l N . E : , UId ImSP~
~ WHEUQJ. A.f.s!pofhB~.QddtlivemJtfl& ~ O! I~ l 3 = m m . lQ!)J.
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Filing Lis Pendens Without Standing~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - ' - - - - - - - - - - - - - - - - - - - - - - - - ' - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
IN THE CIRCUIT COURT OF TIll ELEVENTHJUD IC IAL C lRcurr IN AND FOR M lAM I-DADE COUNTY ,FLOR IDACIVIL ACTIONC HA SE H OM E FIN AN CE LLC, I:
Plaintiff. 0 9 - 15 3 3 7 c~aI:," ' s . . CASE NO. $I'Aa.fW.~OIfL:y'~
DIVIS10N. - - - _ _ - - - - " - - - - '. . . . . .. . . .. . . . . .. . , . , _ _ _ _ . _ _ _ . . . . L . I L . L " " - " " . ! . - - - - - - < . . . . .. . . . .l I L . A . . . _ . . , _ . o . . . . J < . 1 . . . . . _ , _ _ _ . _ . " " - l I I , _ _ _ . . _ . . . . . . . . . . _ . . . . . . . . . , . LU N K N O W N P A R T I E S C L A IM , [N G BY ,1NDlVIJ)UAL DEnNDANT(S) WHO AREUNKNOWN PARTIES MAY CLAIM ANOR 01"HBll. CLAIMANTS; JPMORGAN
lad TENANT #4 the 'amm bdDg flCtitiou, to
NOTICE OF LIS PENDENSTo t h e a bov t >- named De fe nda ot (s ) and a n O t M r s ",h()m ,i t may C O O , C e r n :You aN n ot ifie d o f th e in sti tu tio n o f t h i s : action by theabove-named,Plaintlff , againsi y O ' U se ek in g to foreclos e a
mortgage recorded m Official Reoords Book: 2558 7. Page 71 2. on th e fo llo w in g p rop etty in M1AMJ-DADE County,Florida: LOT 39 , IN BLOCK 2, OFSHOMA HOMES AT TAM tAM I n, ACCORDING TO THE PLATTHBREOF AS RECORDED IN PLAT BOOK 145, AT PAGE 1t~OF 111 1 PUBLIC RECORDS OF::n~$l~~~~~ .2009.florida Defaw t La w Group" P .L .P .O. B o x 2 50 1 1
I- - - - - - - - - - - - - - - - - - - - -
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Assignments After Lis Pendens~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
interest o r it. i B 1 1 0 1 " in Al ' I , d to th " cenlin'--------n1rorq~_.n:n;:---prI"Dl'Ql~"""']""III"iAaI"'"'l'I'J7ln:r;IFv;__Ivvr""'III:nJ~QI'V'I;iIIIrJ"I'l'1IT"i7J.1001 in o m , c Records. Book 25517 lP. a e '1 2 wene pub li c: t eCD td $ ( lfIA MI ..D AD E County. F lorid a. :cu mb erin.g Ihe roJlowing-d~bed real
~ I O P .
.3 fN BLOCKZ-. 0 0 ,A T AI [L ceo C TO It'.P1..ATTHOIl AS U ORDED I PLAT BOOK 1. AT PAGE 111 0 TH,EPtl ' .tc U CO RD S O F M lAM I ..D A DE COUNn" FLORIDA.
TOF 'ORTGAGE
"~y.MORTO AG OR( ): C ARLO S A. a01 . S. an d IFA NAVOR .
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..fit,OIlS;""'"...-w:a-~fth.1oa.n~ m:I.~DlI4.",Ot.-tho 1ilMbl' , O D < I fI_iDIo.m.tioD.=itIIby, ponoas wilbpusoo&lll::no wl e4ge ofd>. fo
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Withdrawal of Affidavits of Amounts Dueo ------------------------------------------------------------------------------------------------------------1lNTHE ClR.CUIT COtJRT 0' THE SEVSNTE.ENTH JUDICIAL CIRCUlT
IN A ND FOR BROWARD COUNTY . FLORIDAC IV IL ,o iC T IONu.s, B A NK NA .T IO N AL A SS OC lA TION ASTR.uS' l "EE F OR R FM S l ~OO7S1,
Plaintiff, CASENO.: CACE-09-Olln6DlVISION: 09
NOt lCE: .L--------__,.....,"""' ......,.,.."......, .. .. ... ,. ". ~.. ." ,~ Pr of es s. i( lI 1a l C om iu ~t o f i he R u le s R eg u. la ti ng T he F lo ri da B iD ', t h e undersig,ned
l a . . .. .f i rm he re by n otifi.es the C ou rt a s f o 11 0w s :1. An a ff id a vi t o f in.de b led ness WI lS servl! id in I.n.e above-styled matter i1I $Ilppm o fP la im if f& mmi en for
SI~mmary j ud g m en t, ( " !h e A i ii da v it ") .2. T~ undersigned l a. .. . fi rm h a s r ~ u y b ;e n n ot il ie d 1 h~ lilt inrorm~on in the Atf)davit m a : .o nOIIl,\\'
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Withdrawal of Affidavits of Amounts Dueo ------------------------------------------------------------------------------------------------------------11!'1'THE CIRCU IT COURT OF THE SEVEr>nEENTH JUDJCIA.L CIRCUIT
IN A ND F OR B B.O WA PD COUNTY, fLORIDACI .V1.L ACl ' [ONU .S. B AN K NA T IO NA L A SSO CIA TIO N A STRUS'fU FOR RFMSI ~OO7S1,Pl.in1: 1 ff, CASE NO,: CACE-(J~-{l'l1986mVISION: O !)2 RI C S IV ERSON, ~taL ,
INonCE
E'\usuant to Ru le 4 3 .3 , Rules o I Pro fess iona l CondUCloflhe Rules Regu la t ing Th e Florida B ar , t he um:!crsig ,nedla w fu m h ere by n otifi es th e C ou " a s fo ll ow s:
v i t m a y n o tT h u n e r i n d2 . a s ~tly b n in m f o n n t i n i nA
4. The undersigned law firm drafted t he A ff id av ir b as ed upon the information an d business n:.co,dsprovided by irs client, and 10 l i te best of i ts knowledge and information, bel ieves, in good fai th , that the amountsref] e et in g t he i m: iebted ness ol)l'ltaiTl!:dvhereiaaecu re~1 y ron (:ted L~0 lnf orm a ti on p ,o v id cd by LI Selient a n d \IIere bell evedtu be correct when fi led.
S. A new, pr
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CLOSEO 1.... 'OOT ALUV ABUlTJNG OKna SOUTH.
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N 01 t.T GA GO R(S ):: G RA DY 8 . S YK ES 1 12 ..Note the date of theassignment, December22, 2008 which is afterthe lawsuit was filed onDecember 18, 2008.4. Notice the Notary, D.Pekusic and the witness,Rushir Causevic, bothattesting to the fact that,known to them, PatriciaMiner is an Asst. VicePresident of HSA and thatAnn Garbis is a VicePresident of HSA. HomeSavings was acquired in1998 by WashingtonMutual Bank (WAMU)they no longer exist.
T~ N.~: NWIa.tJls .L.......;...------------___,ITide: ""\1IiiiPiiilbfrif
3. Note the signersfor the Assignor,Home Savings ofAmerica F.A.(HSA) They arenot employed byHome Savings,they are employedby the Plaintiff, J. P.Morgart HomeSavings wasacquired in 1998by WashingtonMutual Bank(WAMU) they nolonger exist.
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Sample Notice of Lis Pendenso ------------------------------------------------------------------------------------------------------------1T hi s s pi ce i s fo r " ,c o.d i! l~ p urp os es on ly
IN THE CIRCUIT COURT Of HIE I )TH JUDICIALCIRCUIT, IN AND FOR PALM BEACHCO~T~FLORiOA -o'~ e; : : . - : : . - . ~~GENERAL JURJSOICTION DIVISION . , S " P . ;gC AS E NO, :G,-!.1~-':Cl~::--):~P".;;-'0 r-'(",,),_(""1 -0:;:g?- ~?~F .'-\;"'"'1 (]\
-...:.~
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Stamped signature on Assignment of Mortgage
oThis I'JJrm~ l } ' P O I r o by;: i'lll!M' Ci::n{QI"YM(lI"~Ijl:I!.c.~OJ.r~r.;!ItilJl'!.ltlr.::u; 1.:e0407!"'o.R~. 3tlilUiOQl' . . ' n ., " "~ ~ ASSIGNMENT OF MORTGAGEFor VollJ~rR~j:Y~~~ignOOooli;kzQh M or 1:~ (hI ;: ~i n!- /\5 5i ~n Cl! ") w ~~ js l .U Oll "U'~ ~~,3 \l, :L ~ l. .o OD . .J:;n-i.D~;,rCA i J I , : i : iG - l.4 ! do
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Stamped Signatures
oupon 1M
C",""", Stale of Flo"da
_u-gemAUr:iiIS e a l
Sial. ofC.hfg"".Co".nll' or O'''"g.
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Stamped Signatures
o" " " " " ' "C O L m ' t y ~ S t o . . ! ( : or F I ,Q l ' i _ d . .!
Affidavit of Correction due to assignment of a
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mortgage that had been fully paid (St. Lucie Co.)o - - - - - - - - - - - - - - - - - - - - - - - - .- - - - - - - - - - - - - - - - - - - - - - - - .- - - - - - - - - - - - - - - - - - - - - - - - .- - - - - - - - - - - - - - - - - - - - - - - - .- - - - - - - - - - - 1\_,_----
3. That the undersigned. having received final payment for the sum secured by theabove mentioned Mortgage/Deed of Trust. is recording this document sOlelyfor thepurpose of effecting a DisCharge/Satisfaction/Reconveyance/Release of theMortgage/Deed o f Trust as this l oan has been s at is fie d . and th e undersigned indemnifiesagainst any loss which may occur in regards to the releasing/discharging and/orreconveying of this Mortgage/Deed of Trust.
Af f iant makes this aff idavit for the purpose of giving notice correcting the above-describedinstrument as follows:
Affidavit of Correction due to an assignment of mortgage
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'~;,:.:~;\'I: 1 ,) ,/y .:: . ) .- r - : 0
. . . . . . . . . . . . . . . , . . ; ;E ach uMe ~ign ed aff ian t, jo in tly an d se ve rally , be in g first d uly sw o rn , h ere by sw e ars o r affirm sthat the A F FJQ A V IT O F M IS S IN G A S S IG NM ENT, reco rde d o n 01/13/2009. in B oo k 230 34.Page 098&@tr umen t Number 20 090 015260 , in the C oun ty o f P A LM BE A CH, S tate o f.E .bre gard in g prdJie tt)0 S -
AFFIDAVIT OF CORRECT ION
that had been fully paid. (Palm Beach Co.)~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
Affidavits of Correction due assignments of mortgage that had
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AEOORO t. F iIE1 \ I~r l TO:OOCXt j 1 t . A l .O E R J jA J l l O R .S u ' I L a : 9 5 DAI "'~ ~, GA l OOO~JiHrM.fI,.I:I?-iWlII.$Z1\ $ ,
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o-------------ISpa~ A.b.jJ~lh.l~Llne F"orRe-=ordi.qg.Ll1llt:ll1- , . . . "Loon Number ,]1655 ~
MERS Numb" 100 < 6S60000~ j j (;SSg tj~r - : .VJUJC Q
MORTGAGEDEF(N1T1QNSWords used ln multiple: sections .r; .fthi8docnm~taredeti; ' tedbe.low.t.l1dOther\'V1l'M.'i are def lned in S:1:cliO'fl!1~.ll.11.1R,:mand 2 !. Cer ta in r u lc s r egar ding the u s age [:I f ward
(E) "Note" means the promissory note signed by Borrower and dated JULY 26, 2006. The Note states that Borrower owesLender ONE HUNDRED SIXTY-FOUR THOUSAND NINE BUNDREn AND OO/100ths Dollars (U.S.$164,900.00) plusinterest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than AUGUSTI, 2036.
(F) nJ troper ty" means the property t.hat isdescribed below under tn c Ilcarnng "Transfer c "l-tights m me Property,'(G ) "Laan'' rm ." ' ! 118 th l ; dcb l . r ; v i c l encl , ; !dby t h e N o te , plus i c re r e st , MY p r tp ! l Yme. u t c,barges find lere c h ar g es d u e u n de r {be Note,~nJ a U SU m s d ue un u e I' th i=5 s.e~lli r y ' I n&t11 . I 01e 1\1 , p l n s ioterest.(n) rlR .i !l1t1"S It means all Riders to thi s Securhy lnstramcnt that are executed by Bor rower, The fu. lbwing R ide r s a r c tobec x c c u t c d by B O I T ' O V t ' C r [cheek OOi( as applic ublc I;
I lI I C o ndo rn iu inm R i de roPlat111ed l ln i t D e v el o n m e ru R i de roBiweekly Payrncnr Ridero Swo~d H~m~Rider1OlI,\Jjll~"bl" full" Rid"o !I.II ecn Rid",
IN 14 P aml ly R i de r I N F lo or R a re R i oe r
And you thought your mortgage was high?
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o ------------------------------------------------------------------------------------------------------------1"-I~JL__,t l L _ ~ ~ L'I.PI'l!!P~~'!:i3r;"~iii"'~D- ' - 'J - ~'r ,=. ,Ocwe;':~ s e . v ; c n g ! - L L i J " I ~, 6 6 ' W O < th i n ~1 O I1 R ca d , S 1 J~ .e , D OW e ,! P al m 6e;>eh, F L 3 S 4Q ~P l >ooeNumbe r . 5 6 1 .e ; S 2 66 35
I' -II \' I~' \''/'0\S:d/ U J' -L~:,;,.ALLONGE
BORROWERS: KARLENE LUDWIG AND ALFRED H. EASTBUENPRESENTOWNER AND HOLDER: MORTGAGE ELECTRONIC REGISTRATIONSYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR SEBRING CAPITAL PARTNERS,LIMITED PARTNERSHIPNOTE EXECUTION DATE , JULY 26, 2006NOTE AMOUNT: $42,214,400.00
Thi s a llo n e shal l b eannexed t o t he or i i lla l Note 'o r t o a 00No te A f fi da v ~same fromthREGISTRATIPARTNERS,of said trans fSOLELY AS
Of the Nolewi jh a Los tBORROWERS: KARLENE LUDWIG AND ALFRED H. EASTBUENPRESENTOWNER AND HOLDER: MORTGAGE ELECTRONIC REGISTRATIONSYSTEMS, I N C _ ACTING SOLELY AS NOMINEE FORSEBRING CAPITAL PARTNERS,LlMITE:fD~~w.liMlltl Ilf l--_ ... . __
Date: MARC
MORTGAGE ELECTRONtC REGISTRATION SYSTEMS, INC_ACTING SOLELY AS NOMINEE FOR SEBRING CAPITALPARTNERS, LIMITED ARTNERSHIPBy : ~~~------"''''---',I--~_Name: Scott "'~dersenTitle: Vice Pre ." " '" l
OF B Loan Number ; B028C97T
Assignment for Defunct Assignee
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~ - - - - - - - - - - - - - - - - - - - - - -. .- - - - - - - - - - - - - - - - - - - - - - -. .- - - - - - - - - - - - - - - - - - - - - - -. .- - - - - - - - - - - - - - - - - - - - - - -. .- - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
-RECORDED 08/89/2&1I!I 14:(f1:02Prepared by and R e tu rn m :Moms. Hardwjck, SchneiderI ~ H ig htow er T ro il, S uite . 3 j 5&$i'~Spr ing:; . GA 30350'!tti"~n Number:12295989'{:: ')",o 33'K.-b"t
':u~' ~_..'~;f,~o_'" } '._O
A ssig n~ "M rrtg ag e E lectron ic R eg istratio n S ystem s In c . as n om in ee fo r A M E RIC AN
P al . B ea ch C ou nt y, F lo rI daS har Dn H . Boo k,C LER K , CON PT ROL LE RPga 1144 - 1145, 12pgB)
Nlsignmentof Mortglu!e
}\ - ' .J
A s s ig n ~ o rtg a g e E l e c tr o n i c R e g i s tr a tio n S y s t e m s I n c . , a s n o m in e e f o r A M E R I C A NB R O K E R S C _ { ) N D U I T , w h o s e a d d r e s s i s c /o C i t iM o r t g a g e , I n c ., 1 0 0 0 T e c h n o lo g y D r . , O ' F a l l o n ,M O 6 3 3 6 8 \; / ) \'\v/\ r~'J~"'_",- _ _ oun-y, on Kill 00
P ag e 0 6 77 .
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om e ta ! F orm 1U n it ed S tl!1~5D IDknlpi~J'c..u rtD 1S TR 1 CT O F D EL .A WAR E
' [ g Ioo
8/7L2007~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - ' - - - - - - - - - - - - - - - - - - - - - - - - ' - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
IN THE U NITED STATES BAN KRUPTCY CO URTFO R TI-E D IST RlCT O F D ELAWA RE-.~---------,---.-- -------------- ------ -----.--------,--- ---~----- ----, xIn re: Chapter 11AM RICAN HOM E M ORTG AG E HOLDIN 'G S, nrc,a Delaware eerpotation, et at.,
C ase N o. 0 7-1 10 47 (eSS)J oin t A dm in is tra ti on P en di ng
Debtors.---- - .- ,---------~---- .------- .- .- .--,-- ,--------- ,- ------,---- ------------- - xAGENDA OF MATTERS SCHEDULED FOR mnsr DAY HEARING ON. AUGUST', 2007 AT 3:0 0 P .M . lET)
Assignment by a defunct institution
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o----------------..- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - , . - - - - - - - - - - - - - - - - - - - - - ISharon R. Bock. CLERK & C( JPgs 1039 - 1841; (3pgs)
This Instrument Prepared ByAii:d Returned To:/'~ .t'Pi!~1c. ,consuegra, Esq uire':P.;Qo/Ki,ng Palm Drive'~9FL 33619-1328'\;:-~/\ \ - ~ - ( Q )'I.,.J!OWB-Olt~WestBank,FSB v Gutierrez, Uricl & Evcttc'(/.File No.,{@IIOLoan No.: 1Q l Y ? , , 8 8 9 3 6 I\;'-::)'",:/-,(('1\
\ ~~ . - , i ;'--_.J'_/:~..f,,~ ASSJGNMEi\"T OF MORTGAGE
I I\ ' W I T N E S S WH E lR E O F, MORTGAGB E LE CT RO N IC REGISTRA T IO N S YS TE MS . IN C.,{;-'-'. . . .-_ _ .,'\ ~ 'tIOM 1NEE fOR lNDYMAC BANK , F.S.B " has h er eu nt o s ei it s b an d a nd s ea l { hi s/ ,i' \ v_:/}\" _\(, !'J V:/d -INDY~~y BANK, F.S.B.(herei ' ; a y o r - ' f ' t 3 , 2 010 ,1, t \./''''.... Sig"d ...~ and delivered MORTGAGE EL-ECTRONIC REGISTRATION
assig n ,'- '\._ _ ,_..: _ j _ ' J . ' , . ) _ ' ~ ' ) ~ ! ! " ' " _ - - - - - - - - - - - - -. . . .r -. sf er a nd l n I h < p~,itt.of: SYSTE~NC .. A,S ' ,' E FOR INDYMAC_ ') BANK. f _S,II_l ), ' f C . . . . . _ _ _ . . A ~ . . . J . J , . .over unto the saidassigneethatcertain\'rr,:f~1J1ureot'mortgagebearing the date June 26, 200!r====!::==:~::::e:::::::;==::=======:!!:::===:::;;:===========jJ
by URIEL GUTIERREZ, IVETTE GU~~~A" and recorded in BOOK 20581, PAGE 15 ~ OM INEE FOR INDYMAC BANKl F_S .B . ,public records of Palm Beach County, FLO'i'c"'rdi7upon the following described piece or pa y~
~ Q ay of_ _ ..~~~ _ _ -+-__ ,V....!1l\~
USA,to Jan
situate and being in Palm Beach County, FLORJDA, to wit:
IndyMac, out of business CLOSED July 2008
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~ - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - ~
Federal regulators seize crippled IndyMac BankA run on the Pasadena thrift ends in one of the biggest financial failures ever.Doors will reopen Monday. July 12,2008July 12, 20081Kathy M.Kristof and AndreThe federal government took control of Pasadena-based IndyMac Bank onFriday in what regulators called the second-largest bank failure in u.s.history.***The bank's 33 branches will be closed over the weekend, but the FederalDeposit Insurance Corp. will reopen the bank on Monday as IndyMacFederal Bank, said the Office of Thrift Supervision in Washington.
Assignment for Defunct Assignee
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BusinessSCIKr-!'c:E "A F .; o\ 1.TH SJ!ORTS Q I? lNl ON
Financial ToolsL__ ------' C o l l I I Select i!I ~inancia~Tool I~~MIore ln Buslness ~G:I~I I rt.'tatllabl.l EiconllmyIBu91rtl3:!18
1 30 % ' 1 A H I S H .Y 1 E L D S A V ~ . , . 'Io A C tD ll ~T F :R D M: m A M ER IC A N : EX P R ES ; S .,.Lehman Files for Bankruptcy; Merrill Is Sold8',' #o N D R EW O OS :5 S O R KI t..Fi.Jblt.'~:L sep temeer 14,.'::O[t!l JV~ITTERTh,istlf"~idewas reported by Jen_lI~ Andet"sun, E,"ic Dash andAn.s.'ew Ross Sorkin andwas ",..itt." by Mr. Sorkin.
CCMMeHTS!1i(ifl)
S 1a ,
Notary Issues
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o' : tW '-~01(~,
! ' O ll OOOD~W: :Y ,H . l J" aL I; ; CONSlD,IllU.TION. me '""fflc;'"'y of Wh;"""k' ' .by o ck "" " I< 4j ;< d. r ne" ", ," ,, go ,d , M6I
~.~~"'"
A SS IG N ME NT O F M O RT G AG E
B~'__ -+\f-"v-I'f-'r--BRYANBWh.Q~ad;j1'C;53 :ON. a co rporat ion . an d that s he /b e a ck now l e dged execut ing th evested i n l lim lh e r by sa id corpora tion,WITNESS my band an d 0
----==~ is 0 2n" day of June in the year 20 10JENNIFERSTAn OF FLOR !PACOUN'I"YOF PJNELLAS ctvI:sIophef JonesNotary PubHc .a.te ofFkM1daeom mlSsJon.D O 8 11 01 8Sxpi,...AuguSt 03.2012
Bonded Through NatlOMt NOtIIyAUn.
I H E :R . I: =B Y C E RT l FJ :~ t h at 0[1 1 hj !, d a y. b et cr e m e, a n offitake at kno . . . . . .t~:, I 'G.~m!:nta p pe ar e d S R Y .A J .J B L Y . p c ra c nMORTGAGE ELECTRONIC RE.GISTRATION SY~ 5 l i A nONDocument Date: JUNE 08,2005Amount : $ 200,000.00Recording Date: JUNE 23, 2005Book/Volume/Dncket/Liber: 18793Page/Folio: 1479Instrument: 20050388757Property Address: 1201PINE SAGE ClRCLE, WEST PALM BEACH, FLEGAL DESCRJPTfON,Lot I, of THE PALM CLUJ!, A RESIDE::-.lTlDEVELOPMENT, accordinEto the:Plat therof the Clerk of the Cln::uit Court in .and ro rFlorida, recorded in PJat Book 45, Page 131.
Impossible Notaries
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-----------------~-----------0---------------IfJWJW AU. MIi.N.IlYntesl i. ."USENTS ..'rIM r MoOl TO.I G~ UfC1~()) I 1C IlflllSl RI I l ION SVST1:. l tS ,1 NC'
PERSo. ALLY A P P E A R ED a'fORE ME t h e undersi gned QuUlori'lyin and for the afore :aidCOUlll)' an d state,gn this[h e j_ da y (If ,20 ..0 . w ith in my j u r.iscHcfon. the within named ~~.c;:...t. < ; { \. - . . . . . . . . . . w hoa ck nov le dg ed t o . l1le that ( s)be is ASSISTA T SECRETARY and Ibal ror an d on hehal f or M ORTG AG ELECTRONICREG1STR.ATlON SYSTEMS IN C. and as ilS[l1 and deed' )he executed !hI) a bove and for eg .o in g l ns tr ur ne nt , a ft er rlrst haviJlg beenrluly mllhorized b y MOR TG .AOE EL.E ; :C fRONIC REGISTRATION SYSTEMS, [NC.IO do SO.WITNESS my h at)d a nd offic ial se al in th e C ou nty a nd S ta te la st a fo re sa i,d mts l_day.. of O L _ k t_ _ I l 1 ; Jt~NOT RY p ..BLIC ,200 ,(~.r#tIcA
r
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Sworn Testimony of Tammie Lou Kapusta
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o------------------------------------------------------------------------------------------------------------1Fage 1
STATE: OF FLORIDAOfFICE OF THE AT'I'OHNEt GRNEflALDEPARTMENT OF LEGAL AFFAIRSAG fI L10~3~1l4S
IN RE:INVESTIGATION OF LA~ OFFICESOF DAVID J, STERN. P,A.
O R
- - - - - - - - - - - - - - - - - - - - - - - - _ 1
DEPOSITION OF TAMMIE LOU KAPUSTA
12:11 p,m. ~ 1:58 p.m.September 22, 2010
Office of the Attorney General110 Southeast 6th Street, 10th Floor
Fort Lauderdale. Florida 33301
Testimony of Tammie Lou Kapusta,former employee of Law Offices of David J. Stern, P.A.
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-----------------------------0---------------Q Would these notaries be there watching her [Cheryl Samons] asshe signed?
A No.Q She would just sit there and sign stacks of them?A Correct. As far as notaries go in the firm I don't think anynotary actually used their own notary stamp. The team usedthem.
Q There were just stamps around?A Yes.Q And you actually saw that?A IwasR~ar~t~o~f~t=h~at~. ~
Sample Assignment of Mortgage
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oASSIGNMENT!)l'MORTGAGS
KNOW.-tU MfiN B YJTfl>S.PflJiSlilV'fS,fII~r~KlR'TC"CJi EIoECTROl :8 . 0 '7 I . F l (1 I od t ! 5 1 1 1 \1 ' 1 (1 , . ! J 1 . r .,.; i~bi" . ; u n r o TI'II'5!~h..;r.:! IEio= ~1;:1~r:lfld
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Testimony of Kelly Scott,former employee of Law Offices of David J. Stern, P.A.
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o~ag" 1
HI THE c rucurr COURI' OP THE nTH JllDJt :IA1. CIRCUITIN AND FOR BROWj>.ROCOUNn, FLORIDA
C AS E N O. : L I0 -3 1 09 5
IN R E:lt~VES'l'lGl\'rION OF ?HO: LA W OfFICES OFDAVID J. STERN. P .A.________ ~ ISTA TE OF FLOR !DA . OFf ICEO F TH 8 A TT OR NE Y G EN ER AL ,
P l a in t if f ,
V5.
F LO R ID A D EF AU LT LA W GROUP,
uef enden t .._- 1
SViORN S~'A'rE~~ENTOF
K EL LY S OO TT
Office of th'e Attorney Genera 11 10 9 .E. 6th Street, 1 0th Fl oorF or t L au de rd al e_ F lc ri da 3 3 30 1
cct obe r Hh. 2010
Testimony of Kelly Scott,former employee of Law Offices of David J. Stern, P.A.
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Q. Other than Cheryl going around twice a day to sign the documents that she was reading, was thereanyone else that did that, as well?A. Only Cheryl. And only when Cheryl was out of town, that she would go on vacation, there wassomeone else that would sign on her behalf. Who was it? I really don't know.Q. But they signed Cheryl's name?A. Yes.Q. And when you said those were the papers that were up on the long table on the four floors, what typesof documents were those?A. Motions for Summary Judgment and Assignments of Mortgage.
***Q. But whatever was on those long tables, nobody was reading? They were just putting their names onthem?A. Yes, they were just putting their names.Q. Yes, there was no one reading them?A. Yes, there was no reading them.
Cheryl Samons "signature"
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o ------------------------------------------------------------------------------------------------------------1r - p - L N ' - ! l " U a - I ' I- - I ~ h = C ' - p r o -. . . . .\l~i--_ ~ o r ' s c - _ - C " . - 6 1 9 " ' ~ - - .- .- ~ F ~ l o ~ " - ~ - - . - . - ( l T t e s . - _ . - t h e - . - . " 7 G - : -b - i P - g - . , .. ,- . - ; :; : -" . -has=:;_thc-,-'---_-. - . - . D I - " " - } - t J ~ p r o t - - t : l : - l - - - - - - ,~ Met to SB_ Dr 14) Ic:ast , OJ lO cnwmbc!'. OJ ~isc t o ~ .Md d i 5 P D J C ! o f m e .,QQ\le-d~ roIJi1M.c an d the realJIfOl'I:rt)' cmumbcttd ~.111IYIlIJas W l tB r f l f " lh e l a i d A s 5 i g n . o f his h C l 'C \ H l \O 1 I C 4 . h is hand and f C i \ 1 0 (officr:n;al1a its corporate sal '0 be hueUt . f1 ' hr .t d
...'AT 1 " 1 : : ST:
Cheryl Samons "signature"
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1 1 1 1Y1lI J as .Mtofficr:n;al1a itsSipled in the pi'
AT 1 " 1 : : ST:WITNESS;
f.H IlfIN v ~ , d t c : s:dd Assi"... 1m ~Io Jdhishand an d s c a r Of'c:lused lheI:! prutnas C o be 1'i;ned by lSpupet'Wif'OlllltOrrKCa _ ils ~SftlI cu W hemIl3R'hed .lhiA5...y Or r f " ) < ' ) ! : ) _ ,2009~buI elRalv~;IS ortl~ nlh'~ of July.: t O O 8 .
SlATS OFFLORJ:DACOUNTY OP BIIOWARD
S' P P .S O NAU .Y APP R E D 8F.FOR EM l I J e , w w k r s i , ,'a n ' ~ in and. for 1_ a ro ta .id tUf\O", nd!'u1C,. on Ih~the u,. or ~ , 2009, w im iJ l, n r y jLri$dk:tivJ1. tt.within RImed ~"HERYl. SAMONS .... ts ~U y kncrMn10 me aN who ~ ro m e dtal (sJN is ASSISTANT SECRETARY nIthat (or .A d on behalf of MORT GAG Eel ECTRON IC REG IS 'rRAT .ON SYSTEMS . INC. , and;15 i1s_ lad,CSWd, , ) h e aaMd the"'t:and r.... in g j l l l lL"UmC'n1. a r l e e -r~ brtingbten dub' rulboriDd by MORTG :\G E L EC TRONI( ' R EG lS TRAT1 0N SY5 TEM S.It( C. 10 do
Cheryl Samons "signature"
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r-'-~~"""''''''''''C
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I
A1TEST :
wunv.OO' ~IC,. on Ina.... ts ~Uy kncrMnbehalf of MORTGAGE
jl'l$lL"UmC'n1,. ar\ec
Cheryl Samons "signature"
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-----------------------------0---------------s := . 7.(...._) )
A1TEST:
Sample Assignment of Mortgage
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oDOI."'Unx:n~?f.:-~B:r'=R(III.MoI:b:3Ir~! i! I~~%3,1IWIIm R~""cd Ib!lumTo:UOCXllll.rtldD"RluD r.Sulc-elsO
.o :$SJGI' IM1 l1
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Improper assignments were recorded in the county landrecords offices Improper assignments were submitted to the Court insupport of foreclosure motions Improper assignments were accepted by the Court asvalid assignments that substantiated the foreclosure Homeowners were foreclosed upon based upon falsifiedassignments, by a bank who was not the true holder ofthe note. If the foreclosure judgment is obtained by a bank thatdoes not hold the note, then the homeowner risks asecond lawsuit by the real note holder, and possibly ahaving a second judgment against them on one property.
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l_i \/ THE CIRCUIT COURT OF THE FI.FfEENTR JUDICIAL OiRCUITIN A ND FO R .P AL M B E..4 .C FI COUNTY,. FLORIDACIVrLACrrON
DEUTSCHE BANK TRUST COMPANYA:MERICAS AS TRUSTEE,Plaintiff,. CASE NO.: :502003-CA-0l8381DIVISION: A.Wvs,
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e t h i n f o r m2 .1 0 .
MICHAEL .PETERS, ~tal,Defendantts),______________ ~f
MOTION TO RATIFY FINAL SUMMARY JUDGl\rENTOF MORTGAGE 'FORECLOSl1BE NU!VCPRO TUNCCOMES NOW P la in tiff, D EliT SC HE B M" K T RU ST COMP.A...' l\[YA ME RJC AS A S T RU ST EE ("Plaintiff"). by an dth rou gh th e u nd ers ig ne d c ou nse l a nd files th is Mo l io ." l t o Ra t " .j j 'FW S umm a ry ! !l .d gm e nt o fM o r tg a ge F o re cl os ur e N u ncPro (the "Molion") and insupport thereof stares as follows:
- . . r. . . . .CKGROUNDFACTS -
p o p e r l y v e r i f i e c l b y t h e a f f i a n treflecting the indebtedness com:alned in the original affidavit were accurate when filed. (The new, properly verifiedaffidavit is aaached hereto and incorporated by reference as Exhibit "A").
5. Based on t he foregoing Plaintiff has sought to notify the Court of the foregoing verification Issues andnow seeks w e rarificarion of the Final Summar} Judgment of Mortgage Foreclosure mme pro IWIC as an additional
6. Fat the reason mare ful ly Set forth below, Plaintiff'belleves that entry of an Order granting thls Motionin its eotirety is appropriale.
Notices to Court of Improper Affidavits
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900S""~ Pin.I ,I .nd 1ld,SuIIe 40UPI.Mo,ino, PI.rid3 J3Jl439lD-:51'. .t .u-~(.(
"11tiIriJI~.\U(lf"'~
oLaw Offices of David J. Stern, P.A.PriiUI'}' f'~(I:IU (:il~41):lJ.8CM)O" ' ! , !I I I( ! A ne ~4111f1' t!J.;\ ..:I:IU3UIJII
I1l"im~rY"O'Wo,ltlN , f a l l ! ; " '1i'5,;1)2:3~.-B'-3)
~2010
De ~ r J u d g ePursuant [0 R ule 4 .) ..3, R u le s of l' ro fe ss io n ii ll C on d uc t o f [ he R u le s R eg u la ti ng t he P lo ri d.Bar , the under signed law 1 i ! 1 l 1 is. fil ing t he a tt ached not ice in the cou ri file and prov id ing ac o ur te s y c o py to y ou r H on or i n a c co rd an ce w i th i ts e th ic al o bl ig at io n o f c a nd or t ow a rd t he
tribunal.A s o ut li ne d i n t h e a ua ch ed n ot ic e, t he u nd ers ig ne d l aw fi rm h as recently b e en m f crm ed
t ha i t he in f orm a ri on c o nt a in e d in t he A ff id a v iI in s u p po rt 0 f P I ai ntiff's Mo t ion f or S u mm a T ') 'J ud gm en t m a y no I h av e b ee n p ro pe r l y v er ifie4 by the a fflM l.T il . u nd er si gn ed l aw fi rm w a s n ot a w are o f t h e fo re go in g i nfe rm ari on w h en t he A ff id av it
w as filed with th e court .T he u nd er si gn ed l aw fi rm d ra ft ed I he A ffi da vi t b as ed u pc n t he i nfo rm at io a nd b us in es sre co rd s p ro vi de d b y i ts c l le nt , a nd t o t h e be" of its knowledge a nd i nf or ma ti on , b el ie ve s, i n g oo d
fai th, Iha l the amounts reflecting the indebtedness c on ta m ed t he re in a cc ur at el y r ef le ct ed t he -in f orma t ion p r ov ide by irs C liem a nd w e re b el ie ve d t o b e c or re ct w h en filed.Re spec t fu l l y s uhm i t te d ,
Notices to Court of Improper Affidavits~ - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - - - - - - - - - - - - - . - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
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Law Offices ofDavidJ_ Stern, P.A.9 i jO S o u t h P i ne I sl an d Read, S"II. 40 0
PI'"t"ion, FI...ld,3'l143920" 3 - 'V o " , . A % ' o ~ [ . (
1r.]"ini.'I'At I...r;u~
Prim, "1' PI! D.~'(5IS4}l JJ4IOOOJ. ~I~ . .. .tJo!:td. til! (P:ttil~:t!,8,~(lO
P~iillll.ltt"'FCir",c-rw.lllu hx,~I!
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Real Estate in Florida (in pictures)~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
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Real Estate in Florida (in pictures)~ - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - - - - - - - - - - - - - , - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~
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