Matt Weidner – Fighting For The American People

Posts Tagged ‘foreclosure chaos’

Forget about the stories of the American Revolution that you learned in school.  While there may be some truth to the whole religious freedom thing, the reality is religion was just one part of the story and frankly not the most critical part.  Religion was more the colorful back story, idealistic propaganda more easily packaged and sold to unsuspecting kindergartners.  The truth is the lido decks and first class cabins on the Nina, the Pinta and the Santa Maria were not filled to capacity because our ancestors were looking for a new church to go to, these luxury ocean liners and those that would follow were filled with tough and grizzled farmers and laborers who cared far more about their own prosperity than their own salvation.  Indeed, a far more compelling reason that got our founding forefathers and mothers jumping on the New World conga line was to escape the oppressive and corrupt economic conditions that existed in the Old Country.

Now one part of the American Gothic story that is indisputably correct is that early American settlers were a hard-working, enterprising and wildly opportunistic bunch.  Broken free from the shackles of an oppressive and corrupt economic system, they quickly farmed every square inch of the new country and worked 26 hour days.  And here’s the most interesting thing.  All this enterprise and commerce, all this farming and work was done in land that had no boundaries,  that had no title records or history at all.  Chaos and conflict ensued when one farmer asserted “his” land covered 10 square miles, while the adjoining landowner asserted his boundary followed the natural boundaries of say, the Potomac River.  Now remember, not longer than 150 years ago, the United States weren’t really united at all.  In fact we were much like today’s third world countries and our states were very much divided…many times divided over disputes over property lines and territory.

So this amazing little new patch of dirt called America had no property records, no land or lot lines yet every single square inch of this land was being farmed or mined or wrestled in order to feed the massive economic engine that was now roaring all across this New World.  Disputes broke out all across the ‘hood, this farmer smiting out that farmer, this miner poppin’ a cap in that miner for exploiting “his” land.  Squatters and homsteaders expanded outward making up the rules of ownership and the lines of property as they saw fit…and not surprisingly, the records of ownership and the actual lines of ownership rarely matched.

Our young country was exploding…both in economic output and in internal conflict.  Chaos reigned across the land and because of the land from the gold rush miners in California to the farmers on the fertile east coast and everywhere in between.  Forget about all other areas of the law, the laws that were most essential to our country’s development were the laws relating to real property because if we were unable to develop a stable and integrated system of property ownership, the explosive growth simply could not continue.  And so that is exactly what happened in this country.  Early in our young nation’s existence we developed a new and radical form of property ownership. In fact the “fee simple” manner in which most American’s own their property today was the very first private contract right that was established in the United States of America when it emerged in 1787.  The absolute and unfettered manner in which our legal system evolved to allow Americans to own property is, more than any other factor, the reason we were propelled to such greatness.

Property Rights- The Real Story Behind American Exceptionalism?

You know how we’re all infected with the notion that America is greater than any other country on earth?  Well, we’re all appropriately revisiting that national anthem in the midst of our current disease, and as we continue to experience the consequences of a law and an economy that has come completely unglued from any dose of reality, we will all be forced to come face to face with the undeniable truth that our entire country really is in the most dire and critical peril that perhaps we’ve ever faced, primarily because of a $14 trillion dollar deficit, exacerbated by a government run by the corporations that is only accelerating our drive off the economic cliff and sending our perverse reality into oblivion.  But all that’s the future, let’s stick with the past.

The fact of the matter is the principle explanation behind America’s dominance, economically at least, was the system of real property ownership that was developed in this young country’s infancy.  Never before had a people…all the people, been given an opportunity to tap into the greatest capital in the universe…the riches of the land. The system of property titling and ownership developed in the United States, for the very first time in the history of mankind, allowed all people to clearly and confidently own the land and because their ownership was absolute, they wrestled and worked and exploited that land with a fury and intensity never before seen.  This was the spark that started the economic engine and the stable ownership was the foundation that kept the economy and the society stable for hundreds of years.

The essential character of the US property ownership extended far beyond our agrarian beginnings, carried us firmly through the industrial age and remained an absolute essential element straight through to the collapse we find ourselves in today.   Along with clear and distinct ownership came an innovative new economic tool that had never before been used with such universality, the ability to borrow against the property that was so clearly owned.  This aspect has allowed countless generations of Americans to tap into the immense value of the property they owned.  Not just farmers, but budding industrialists in city centers and entrepreneurs in towns all across the country.  Our nation’s entire banking and finance system has always been grounded in the stability and universality of our property records and ownership system. And, wait for it….here it comes…..the entire system is now coming unglued because the stability that our entire country’s economy was based upon…real property records has been completely trashed.

Our economy was in trouble in the late 1990’s, jobs were vanishing (remember what Ross Perot warned as about) and there was no fire left in our economic engine.  So what did our policy makers do?  Did we re-tool the factories or retrain workers like other industrialized nations did?  No.  Did we inspire and create with a new Moonshot? No.  We turned to back into the stable past, back to the land and developed a way to once again wrestle from the dirt all that she had left to give.  The overheated credit bubble was in many ways like a farmer overfarming his land, sucking out the last bit of nutrients, with no regard whatsoever for the future until nothing at all was left…and now nothing at all is left.  We created nothing new, just an economy based on paper and vapor.  We didn’t add anything new, just credit and derivatives and evil machinations of bankers and policy makers whose world only exists in spreadsheets.  And along the way we decimated the critical foundation of this country….our system of real property ownership.

In virtually every county seat or borough in this nation you can go and pull the property records and trace the transfer of ownership of land from the beginning of recorded history. For a very practical lesson in history, go into your county courthouse to see and touch these records.  When you see and feel these records, you can appreciate just how real and tangible and absolute our country’s property ownership had been….from the beginning of time. These records and books were meticulously maintained by a professional and dedicated staff.  The followed explicit rules and procedures which protected the integrity of the records….and which literally safeguarded the very foundations upon which all of our communities are built.

Even today the physical paper records are first sent to the county or municipal seat where they are indexed into the Official Records Book.  The OR books record not just property ownership and mortgages, but records like marriage and death certificates and the other legal records that are deemed so crucial to our society that they can never be destroyed.  The rules that developed among and between our country’s county recorders were fairly uniform and consistent and the entire system functioned with amazing accuracy and efficiency.  Remember, these records are not just legal documents, they are the sacred texts upon which our entire economy and in fact the stability upon which our entire society is built.  And they were treated as such by our property recorders….until just a few years ago.

Our sacred property records and the rules relating to them began to be desecrated right around the time the MERS monster came online and spread across this country like a latent virulent virus laying in wait in the early nineties.  Prior to MERS, the title attorneys, notaries, title abstractors and the professional staff that were the keepers of our sacred records carried out their recording duties with the kind of solemnity and respect most societies reserve for religious texts.  There was little notary and execution fraud, the keepers of the texts remained vigilant to keep this evil out of the temple.  There was a relatively small known group of keepers of the texts.

The keepers of the records were our Knights Titular, the title knights and they swore a sacred oath to keep and protect the texts.  In order to become a knight I was locked away in training inside a secure compound which held all the sacred texts for days on end.  Over and over, it was pounded into me that I had a duty to protect the texts and that the consequences for failing that duty was death….professional death at least.  After many days, in a formal ceremony I was given the keys to the sacred temple, the password to unlock all the sacred texts. The oath I took was an insurance bond to one of the major title underwriters.  The secured compound was the title plant where all of Florida’s Official Records from the beginning of time are now digitized and stored and the passwords are my login codes to access these computer systems. But the solemnity and the training were all very real and very serious.

But again all that changed just a few short years ago.  The MERS monstrosity began its machinations at the same time the securitization serpent slithered its way through the actual foundations of our country.  These twin beasts, MERS and Securitization quickly overran the sacred temple that was our property records and ownership.  No longer were professionals and gatekeepers minding the temple of our records. No longer were attorneys and notaries who were known preparing and personally presenting these sacred documents to the formal keepers of the texts.  Instead anonymous robots with zero training were given the keys to the temple and they quickly overran the place.  Gone were the formalities of execution and oath.  Obliterated were the checks of personal knowledge and responsibilities.  In the most egregious example of this system gone totally awry, in some counties across this country, actual physical documents no longer exist, the sacred texts are electronic documents, illusory and fragmented, mere bits and bytes whizzing around in a totally unregulated cyberspace

And what part have our courts played in all of this? Until just a few short years ago our courts were the sacred keepers of the keys to the temple.  Indeed, literally from the beginning of our country’s Officially Recorded history (the OR Book and page kind) our courts enforced the rules of the sacred texts.  Attorneys and the title knights were entrusted to ensure the integrity of the procedures and the texts and they did enforce the rules.   But then came the MERS Monster, the Secuitization Serpents, the Foreclosure Mills and the Rocket Dockets.  Our courts, especially here in the State of Florida, were convinced that they must abandon their role as the sacred keepers of the keys to the temple and instead serve as handmaiden to the business and financial services industries that have so thoroughly undermined the very foundation upon which our country was built.  Juxtapose all my history about sacred texts with today’s robo signing and document milling and 5 minute Summary Judgment hearings. All of that shows you just how far off course our courts have gone.

But there was, and still is, another way.  It’s long past time to reject all the evils wrought upon the foundations of our country by the machine that has so desecrated the foundation upon which our country was built.  It’s time to absolutely and directly reject the practices and procedures of the document mills and foreclosure factories.  It’s time to reject the surrogate signers, the anonymous affiants and the impossible assignments.  Other states have started to recognize the primacy of our nation’s Official Records and are beginning to reassert the solemnity of our Sacred Texts.  We should all look to Arkansas and Hawaii and South Carolina because each have very recently taken very bold and dramatic steps to reclaim the keys to the sacred temples, and are reclaiming the highest ground that should be maintained by our courts.

We all need to take a look at the much bigger picture that frames this current conflict and understand just how vital a role our real property system plays in the economic and social order of our country.  To do otherwise merely propels us deeper into the abyss.

The Pino Appeal is Florida’s Ibanez moment.  The Florida Supreme Court will soon decide just how serious Florida courts are going to take systematic, repetitive fraud on the Courts of the State of Florida.  The bottom line is this….

Will banks and foreclosure mills  be given a free pass or will the Rule of Law be upheld in courtrooms across this state?

and

What will our courts do when confronted with evidence of widespread and systematic fraud on the court?

Here are the real issues, directly from the transcript:

MS. GIDDINGS: I’m urging you to consider this case in the grand scheme of things. If you allow courts to go back and open up all of these cases, when it’s clear on the face that there was no affirmative relief obtained, or that the affirmative relief would not have been material, then you’re going to create chaos in the court system.
JUDGE FARMER: So, are you suggesting that this fraud has been that widespread that it –
MS. GIDDINGS: Your Honor, I’m not acknowledging that any fraud occurred. I think that there is — we all know –
JUDGE FARMER: Why would we shrink — as a court system, why would we shrink, no matter how many cases it might involve, from looking out for attempts to defraud courts to publish and utter and use false
instruments? Why wouldn’t we be most vigilant?

JUDGE POLEN: These matters contained in Mr. Stern’s law firm are the subject of an investigation by the Attorney General, are they not?
MR. NIEVES: Yes, they are.

JUDGE POLEN: — to know that not just one, but perhaps dozens or hundreds of lawsuits filed in courts with fraudulent documents are being used as a basis to get foreclosures against people who don’t have the benefit of Mr. Nieves’ law firm to represent them.

JUDGE FARMER: Fraud on the Court is not material?
MS. GIDDINGS: Your Honor, fraud on the Court –
JUDGE FARMER: Publishing false documents is not material?
MS. GIDDINGS: Fraud on the Court did not occur in this case.
JUDGE FARMER: It didn’t.
MS. GIDDINGS: A document was filed, but nothing was ever heard before the Court. And if you look at the service expert’s case –
JUDGE FARMER: Let’s just confront that for a minute. I mean, to the extent that the cases that you talk about, Select, and the others talk about, and that is, achieving affirmative relief and all that stuff, I’m wondering if they’re not just talking about two different things as two separate grounds. In other words, obtaining or using voluntary dismissal after you’ve already gotten relief in some way may be one kind of piece of voluntary dismissal, but not under an entirely separate kind may be fraud or attempted fraud on the Court. I don’t know why we would adopt a rule of our inherent powers to deal with fraud in the Court, why we would engage in a reading that says only if the fraud proves to have been successful. And that is to say if the representee relied, to its detriment, on the fraud and changed their position and did stuff, only then would we allow relief of any kind. That strikes me as not –

JUDGE POLEN: I see a number of distinguishing factors, most important of which the alleged fraud that occurred in that case pertained to two affidavits which were filed by the appellee which the appellant suggested were fraudulent in furtherance of a motion for summary judgment, but only because they’re contesting the factual allegations and apparent inconsistencies that may have existed in those affidavits. Now, that may be considered some kind of fraud. But it’s not the kind of fraud on the Court that would be if the appellant here could prove their allegations, where documents filed in support of a mortgage foreclosure proceeding were fraudulently generated by employees of the attorney hired by your client.

And the bottom line:

To sum everything up, if this Court affirms the
Trial Court, it’s basically saying that it’s okay to
lie, cheat and steal, as long as, when you get
caught, you voluntarily dismiss the case. And that’s
what they’re trying to do, just allow the judges of
Florida to put a little sunshine in these issues, and
you can allow the courts to address the prevailing
fraud. By itself, that would deter a lot of these
abuses, when you empower our judges and allow them to
deal with the issues.

Pino_v._BNY_Mellon_Oral_Argument Transcript

Click below and watch the Oral Arguments

Ice Legal

You really have to hand it to all the national news media sources that are picking up on the insanity that is occurring in Florida courtrooms (and presumably all across the country).  For all of us so deeply entrenched in the battle it may sometimes be a bit difficult to keep being aware of how absurd our judicial system has become.  Many of us who are in the trenches are used to being pounded on and despite the fact that some of the abuses we are subjected to are so profound, as it continues to happen day after day, year after year we risk being numb to it…..it’s battle fatigue, PTSD.

That’s why it’s so important that the rest of the world is now focusing on what is happening in our courtrooms and in our client’s homes and in our offices.  It has been said that Sunshine is a great disinfectant and right now the only hope any of us have of shining the disinfecting light on the absolute destruction of our courtrooms and all of our civil liberties is the press.

MATT TAIBBI- Before you read this article, you need to Google the name of this reporter and understand just how respected and honored he is.  His investigative journalism is the stuff of legend and when he writes, the entire journalism community takes note.  Print, radio, television, it doesn’t matter, Taibbi’s name causes the journalism world to stand up and take notice.  And that’s why this piece is so, so powerful.

The conflict described in this article is so profound and so cataclysmic that it cannot be reconciled.  This article shows not just the very real battle of the evils of the banking and finance system and their minions the courts, but more importantly, it shows the battle lines that are drawn between our courts and the First Amendment and the Fourth Amendment and the Fourteenth Amendment of the United States Constitution.  Foreclosure is a Constitutional Crisis. Foreclosure is a Constitutional Crisis, Foreclosure is a Constitutional Crisis.

Those of us who are fighting these battles are taking great professional and personal risks and there will most certainly be consequences for all of us.  We all have very real and very scary examples of the threats and retaliation for speaking out and exercising our rights to protest on behalf of the people and the courts and The Constitution.  No matter how gross the abuses we are reporting, no matter how clear the violations of rights and of law and of principles we are documenting, the fact of the matter is we are attacking the most powerful forces that exist in this world, The Banking and Finance Industries, our federal government and the judges and courts that have been co-opted by the forces of evil, but our fight is a sacred fight for which their can be no compromise…..

OUR COURTS MUST EXIST TO SERVE THE INTERESTS OF THE LOWEST, THE LEAST AND THE LOST AS ATTORNEYS, WE MUST BE WILLING TO SACRIFICE OURSELVES TO ENSURE THIS.

THE ARTICLE IS LONG, BUT PLEASE, PLEASE, PLEASE TAKE TIME TO READ IT CAREFULLY.  PRINT OUT COPIES AND SHARE IT WITH EVERYONE YOU KNOW

ROLLING STONE ARTICLE HERE

Our entire justice system is based on the quaint notion that lawyers and their employees, like process servers, are telling the truth.  Here’s a big secret…….THEY’RE NOT ALL TELLING THE TRUTH.

The depositions from David Sterns’ employees describe disturbing, systemic failures and abuses of the system and reports rolling in from all over the state of flawed Service of Process and no notice of hearings and proceedings are very disturbing.  Process servers are not delivering proper service on Defendants and some of the foreclosure mills in some cases are not sending notices of hearings and other pleadings to defendants.  Any defense practitioner can cite any number of cases where they are not receiving hearing notices and pleadings….and if it’s happening when  a Defendant is represented by counsel, what do you think is happening to unrepresented people?  Let me sketch this out on a chart….

No Service of Process = No Due Process

No Service of Process = The Homeowner Still Owns The Home

Homeowner Ownership Claims = Massive Title Insurance Claims

Massive Title Insurance = Insolvency of the Title Insurance Market

Just wait until the smaller local press picks up on these issues and starts advising the minority members of the community about their Constitutional Right to Due Process. (The minority communities are going to be hardest hit by abuses by the process servers and the trash out companies.)  It’s going to be hard to explain how Rosita Diaz got served on January 1, 2009 in Miami Dade when she just happened to be in Puerto Rico at the time.  Process in some cases is just thrown on doorsteps or tossed at strangers….but we know that in too many cases, the process servers have abused the process.  Forget about Robo Signers, Sewer Servers are where the real title claims are going to come from and you cannot just ignore those issues.

Attached below is an example of claims of no service based on a local attorney who I know well.  I am certain that this attorney has absolute confidence and belief in his client’s claims and we are going to see many more such claims going forward.  Remember, there are no statues of limitations on No Service of Process claims and that any Final Judgments or Titles to property based on fraudulent service of process is void.  I expect that we’re going to hear wild stories and see quite a bit of documentation that will show just how out of control and flawed the process servers have become in the middle of this foreclosure chaos…..

NoService

Cities and counties across the state stand to collect millions of dollars in fees from the foreclosure mills because they either ignore out of ignorance or omit because they are unaware of lien laws, municipal liens that are recorded in counties all across the state.

I am aware that Pinellas County and the City of St. Petersburg have documented millions of dollars in uncollected municipal liens.  It’s time for taxpayers to demand that this money be collected from the MILLIONAIRE FORECLOSURE MILLS AND THEIR TITLE INSURORS.

To be clear about the issue.  Valid and enforceable liens are recorded against properties and the mills just don’t name the lien holders, whether they be the City or the County.  Even though the mills are ignoring these liens, they exist, they are there and they cannot be ignored when they are attacked at any point in time subject to the statutes of limitations.

Stay tuned for more on this issue…it’s where the real financial impact of this foreclosure chaos will start to pay recoveries for those impacted by the foreclosure crisis chaos.

For now, be sensitive and aware of the facts that the Millionaire Foreclosure Mills and the Fat Cat Wall Street bankers are avoiding paying legitimately assessed liens.  Contact your city and county commissioners and code enforcement staff and find out what is being done to collect this money.  Forward this blog post to your elected officials, particularly those at the city and county levels and ask them to inquire of their legal staff what is being done to enforce these liens.

IN THESE LIEN BUDGET TIMES, EVERYDAY TAXPAYERS CANNOT AFFORD TO ALLOW THE MILLIONAIRE FORECLOSURE MILLS TO PROFIT AT OUR EXPENSE.