POP QUIZ: The most important question of all is deciding if many of our Florida Legislators (and politicians in general) are accurately described as one, or more, of the following answers:
O (A)  Lazy.
O (B)  Ignorant.
O (C)  Morally bankrupted (by skewed lobbyist/special interest presentations, campaign donations, or party leadership steering efforts, all through some sort of "persuasion" or promise.) 
O (D)  All, or any combination, of the above answers.
 (be careful of "hanging chad.")


There are obviously no other apparent choices intellectually available to the voters (citizens, taxpayers and proprty owners...)

As the lawsuits continue to mount over Wall Street's lawless, relentless pursuit to illegally and unlawfully foreclose upon millions of American citizens and property owners, the truth about Wall Streets' theft of millions of US citizens' homes, lending fraud, securities fraud, and charges of RICO, tax fraud, and money laundering, are now finally being exposed daily to the American people.

.




The illegal foreclosures and/or financial abuse of 1000's of US Service Members proves that the bankers really don't care about the laws that protect US citizens from fraud and theft. If they will blatantly cheat our soldiers, you can only imagine how they would cheat our citizens.

http://abcnews.go.com/WNT/video/jp-morgan-chase-admits-targeting-service-members-soldiers-apology-troops-mortgage-foclose-overcharge-12879358


http://www.cbsnews.com/8301-505123_162-57334799/new-york-ag-targets-banks-over-foreclosing-on-u.s-soldiers/


http://www.ritholtz.com/blog/2011/01/us-soldiers-losing-homes-to-illegal-foreclosures//




Think about it... If they will blatantly cheat our soldiers, especially during a time of war, you can only imagine how they would cheat our U.S. CITIZENS, U.S. TAXPAYERS, AND U.S. PROPERTY OWNERS!

Americans have clearly been defrauded by the very banks we have grown up with.

Over the last year, countless County Clerks of Courts/Registers of Deeds across the country have made a determination that their County’s tax and fee collections on Real Estate Documentary Stamps and other related fees, have been potentially un-paid, or under-paid, by national Bank servicing firms and MERS members. MERS stand for Mortgage Electronic Registration Systems, Inc. Committed county administrators have further determined losses in upwards of millions of dollars, per certain counties, and such losses may be determined to be fraudulent by willful design.

Similar investigations into the similar fact patterns experienced by other Counties across the country have yet to be initiated in full force in Florida.

The emerging fact patterns of willful non-payment in taxes and fees remain highly consistent with numerous other Counties’ investigations and research across the country.

http://www.bgdailynews.com/news/local/warren-county-likely-to-join-class-action-against-banks/article_d267cdae-598f-11e1-907d-001871e3ce6c.html#.Tz_fydSgvko.twitter

Additionally, even Florida Counties are gaining knowledge as to potential losses by fraud. Jim Fuller, Clerk of the Duval County (Florida) Circuit Court, filed a lawsuit against MERS alleging the similar complaints. (Case # 2011-CA-008974-XXXX - entered October 8, 2011.)

http://stopforeclosurefraud.com/2011/11/11/jim-fuller-clerk-of-the-court-duval-county-florida-vs-mortgage-electronic-registration-systems-inc-mers-merscorp/

WHO IS MERS? (Mortgage Electronic Registration Systems, Inc.)

They are/were all of the “big banks” including Freddie Mac and Fannie Mae.

http://livinglies.files.wordpress.com/2008/11/trevino_v_merscorp_amended_class_action_complaint.pdf

WHY WAS MERS CREATED? In short, MERS was created to efficiently process “loan ownership” information for less money, circumvent tax and fee collection, cloud titles, and portray an ever-changing, “shape shifting face” of alleged ownership at the whim of its very elite membership.

http://chinkinthearmor.net/MERS_Short_List.html

http://www.nakedcapitalism.com/2011/11/devastating-analysis-of-mers.html

As to the false entering of fraudulent affidavits and other fraudulent documents into Florida County court and land records, “alleged” felonies have been “potentially” committed upon our citizens by many of the same foreign corporate entities. Their actions are very likley unconscionable, egregious, and against the law. Moreover, they represent an insidious assault on the very legal, civil, and property rights expressly guaranteed by the U.S. Constitution, the Florida Constitution, and other Federal and State laws and statutes.

http://www.americanindependent.com/210196/michigan-ag-asked-not-to-sign-on-to-foreclosure-fraud-deal-with-feds

For an example of both legal issues demonstrated above, in an interview regarding a letter sent to the Michigan Attorney General, Ingham County Register of Deeds Curtis Hertel, Jr., stated “If a person committed this kind of widespread forgery and fraud, they would go to jail.” He continued to state, “Therefore, we believe the banks should meet the same fates.”

The American Independent newspaper article went on to clearly observe, “In Michigan, Hertel has been a leading voice in ferreting out robo-signing foreclosure fraud. Robo-signing is a term used to describe the mass production of forged signatures on legal documents related to mortgage foreclosures and other matters.”

The article stated, "Hertel has had a close working relationship with (Michigan A.G.) Schuette’s office and has referred several cases for criminal investigation. He is also suing several banks and foreclosure firms for allegedly failing to pay millions (in) property title transfer taxes. He is also suing the Mortgage Electronic Registration System alleging the same tax dodges."

Many of our local FLORIDA counties (think - "water-front"...) may be missing the comparable dollar loss amount by county, but likely even more?

This would be based upon property sales and related values during the local Florida “booms and busts.” The “boom and bust” was provably created with mass fraudulent lending. Fraudulent lending was enabled in two manners by manipulating appraisals which created artificial rises of values as related by artificial allowance of improper (illegal) extensions of credit. It was the artificiality of appraisals and improper (illegal) extensions of credit that lies at the heart of the mass fraud in Florida.

http://www.americanindependent.com/210196/michigan-ag-asked-not-to-sign-on-to-foreclosure-fraud-deal-with-feds



Jeff Thigpen, Guilford County (NC) Register of Deeds is also doing his job...
http://www.zerohedge.com/article/nc-register-deeds-jeff-thigpen-takes-mers-questions-if-county-owed-millions-titles-compromis

And Houston County (TX)....
http://www.bloomberg.com/news/2012-03-06/houston-s-county-joins-texas-suit-seeking-10-billion-from-mers-banks.html

And John O'Brien, Registry of Deeds for Southern Essex County in Massachusettsis fighting for his citizens, and is also "asking that Tom Miller, Iowa Attorney General, step down. Miller is the lead AG in the controversial settlement with the big banks on mortgage servicing fraud."

http://www.huffingtonpost.com/richard-zombeck/john-obrien-ma-registry-o_b_935417.html


Yet, considering that Florida was truly one of the hardest hit States in mass fraudulent (illegal) lending...

http://www.palmbeachpost.com/money/real-estate/florida-leads-country-in-mortgage-fraud-cases-2030747.html

"Florida leads country in mortgage fraud cases"
More than $144M in suspect loans were questioned in court.... By Kimberly Miller Palm Beach Post Staff Writer

... it is obvious that Florida would be mathematically destined to be one of the hardest hit States throughout the U.S., in the number of foreclosures.

http://realestate.yahoo.com/promo/states-with-the-most-homes-in-foreclosure.html



To put things in perspective, the FBI estimated that up to 80% of all mortgage fraud losses involve collaboration and collusion by INDUSTRY INSIDERS!


http://www.fbi.gov/stats-services/publications/fcs_report2005/fcs_2005



The report states clearly,"Fraud for Profit is sometimes referred to as "Industry Insider Fraud" and the motive is to revolve equity, falsely inflate the value of the property, or issue loans based on fictitious properties. Based on existing investigations and mortgage fraud reporting, 80 percent of all reported fraud losses involve collaboration or collusion by industry insiders."

Again for FULL effect, the FBI admits that upwards of 80% of the mortgage fraud was created by industry insiders themselves!!!

http://www.ritholtz.com/blog/2011/12/fbi-estimates-80-of-mortgage-fraud-involved-industry-insiders/

"Fraud By The Big Banks – More Than Anything Done By The Little Guy – Caused The Financial Crisis"

The U.S. Treasury’s Office of Thrift Supervision noted last year (page 7):

The FBI estimates that 80 percent of all mortgage fraud involves collaboration or collusion by industry insiders.

"This confirms what one of the country’s top fraud experts has said for years: that it was fraud by the big banks – more than anything done by the little guy – which caused the financial crisis:

William K. Black – professor of economics and law, and the senior regulator during the S & L crisis – explained last month before to the Financial Crisis Inquiry Commission why banks gave home loans to people who they knew couldn’t repay. The whole piece is a must-read, but here are excerpts from the introduction:

The data demonstrate conclusively that most liar’s loans were fraudulent, which means that there were millions of fraudulent mortgage loans because liar’s loans became common (Credit Suisse estimates that they represented 49% of new originations by 2006). The data also demonstrate that even minimal underwriting of the loan files was sufficient to detect the overwhelming majority of such fraudulent liar’s loans. No honest, rational lender would make large numbers of liar’s loans. The epidemic of mortgage fraud was so large that it hyper-inflated the housing bubble, which allowed refinancing to further extend the life of the bubble (and the depth of the ultimate Great Recession."

http://commdocs.house.gov/committees/bank/hba97524.000/hba97524_0f.htm

MORTGAGE FRAUD AND ITS IMPACT ON MORTGAGE LENDERS

Thursday, October 7, 2004
U.S. House of Representatives,
Subcommittee on Housing and
Community Opportunity,
Committee on Financial Services,
Washington, D.C.

(pg.6) An FBI special Agent, in this 2004 hearing stated,

"This makes it difficult to quantify the exact amount or even the estimated amount of mortgage fraud.

Every month one in every nine FHA mortgages is reported as delinquent. That means that 600,000 FHA borrowers are a month behind in paying their mortgages. Some portion of these delinquencies may be due to mortgage fraud and new mortgages where the underwriter intentionally misrepresented the borrower's ability to pay the mortgage."

Yet the testimony focused presumably on small independent lenders/brokers. The "regulators" certainly weren't focused on WAMU, Countrywide, IndyMac, et al....

"From its inception in August of 2004 through this month, Operation Continued Action investigators have identified more than 245 subjects and 158 investigations in 37 States. More than 151 indictments have been filed to date. These charges have thus far led to more than 144 arrests, convictions and sentences and millions of dollars in forfeiture and restitution."

So where was the disconnect of the FBI and other Federal and State regulatory agencies to determine that the "small fish" were DIRECTLY RELATED in the revenue, cash stream, and mortgage securitization production pipe-line to the WAMU, Countrywide, IndyMac, et al., class of "big banks?"

WAMU, Countrywide, IndyMac, et al., WERE MOST LIKELY THE PASS-THROUGH FUNDING PROVIDERS, POOLING SECURITIZERS, AND TYPICALLY THE UNDERWRITERS THEMSELVES IN ONE FORM OR FASHION. IN OTHER WORDS, THE BIG (NOW BANKRUPT) BANKS WERE NOT ONLY STILL RESPONSIBLE TO DETECT AND REPORT FRAUDULENT LOANS IN THE COURSE OF THEIR SUPPORT INVOLVEMENT OF THE ORIGINATION OF THE LOANS, THEY WERE OBVIOUSLY THE CAUSE OF MASS FRAUDULENT LENDING!!

 
A telling statement in his testimony to this same Congressional subcommittee puts the allowance of fraud right back squarely on the shoulders of industry insiders themselves...


(Pages 42 - 46)

Mr. NEY. Mr. Prieston.
STATEMENT OF ARTHUR J. PRIESTON, CHAIRMAN, THE PRIESTON GROUP, SAN RAFAEL, CALIFORNIA
Mr. PRIESTON. Good morning, Chairman Ney, Congresswoman Waters, and members of the committee. My name is Arthur Prieston. I am chairman of The Prieston Group, partner of the Mortgage Banking Group of the law firm of Lanahan & Reilly in California. I have been involved in the mortgage industry my entire professional life, first as an attorney specializing in mortgage fraud civil prosecution, and now as a provider of an integrated suite of mortgage fraud protection, mitigation and indemnification services in the industry.
< snip>
Can predatory lending practices be considered acts of mortgage fraud? Absolutely, but most statutes do not directly address, prevent or provide remedies for the types of fraud, such as flipping, occupancy, application and appraisal, that are the most prevalent.
<snip>
Most lenders maintain rigorous standards for preventing fraud through automated detection systems, hands-on reverification of financial data, and rereviewing of property values. They pursue claims against all participants in the fraud, both criminal and civil.
<snip>
"Victims of mortgage fraud—and we understand that the title of today's committee meeting is based upon the effect on lenders—is primarily on the borrower. Mortgage fraud affects all those who are involved directly and indirectly with the loan transaction. Borrowers, of course, in many instances are the primary victims."

OBVIOUSLY, THE LENDERS THEMSELVES ALLOWED THE MASS FRAUD TO OCCUR! THEY WERE THE CHECK AND BALANCE SYSTEM OF APPRAISALS, UNDERWRITING, AND DUE DILIGENCE! THE LENDERS WERE SUPPOSED TO BE THE COP ON THE BEAT.

DID THE BANKS "POLICE" THEMSELVES WHEN PILES OF PROFITS WERE AT STAKE - WHEN IT WAS - ALWAYS - THE INVESTOR'S (VIA THE MORTGAGE BACKED SECURITIES BONDS) LOSSES OF MONEY ON THE LINE?


IT WAS THE RESIDENTIAL MORTGAGE BACKED SECURITIES (RMBS) INVESTORS' MONEY - NOT THE LENDERS - WHO MERELY SERVED AS MIDDLEMEN IN THE MONEY SUPPLY CHAIN.

*** THIS IS THE BIGGEST LIE TOLD TO THE AMERICAN PEOPLE! THE BANKS MOST LIKELY NEVER LOST A DIME OF THEIR OWN MONEY! ***

(... So why did the first $700 Billion dollar bailout occur?)

The FBI's (Federal government's) lack of criminal investigations are better summed up in this article.

Former FBI Official Says Feds Unlikely to Prosecute Financial Crime.

by Lisa Swan on December 7, 2011

"Cardona also claimed that after probing the mortgage industry for three years, the feds have decided that civil action is the way to go there, due to the lower burden of proof. This, despite all the evidence of robo-signing and the like, and countless homeowners who have been victimized by these tactics. The question is – is it lack of clear evidence, or lack of motivation, that is keeping the federal government from doing something on this issue? It sure sounds like the latter.

Phil Angelides, who chairs the Financial Crisis Inquiry Commission, criticized Cardona’s former agency’s efforts with going those engaging in mortgage shenanigans. ”The FBI efforts on mortgage fraud were deficient,” he said in an interview with the Wall Street Journal. “If laws have been broken, there should be vigorous investigation and prosecutions, and we haven’t seen that in the wake of this crisis.”

Huffington Post says that part of the issue may have to do with a 2008 directive from the Justice Department, called deferred prosecution. It allows for leniency if companies fess up to their wrongdoing. How’s that been working for the feds? Not so well. HuffPost notes that a Syracuse University report says that federal prosecution for financial crimes is approaching a 20-year low, at the same time that the U.S. economy still has not recovered from the 2008 financial crisis. Your tax dollars at work. Make that not at work."

http://compliancesearch.com/compliancex/news-and-current-events/former-fbi-official-says-feds-unlikely-to-prosecute-financial-crime/

Even the US Senate knows the truth about massive fraudulent lending by the BANKERS themselves...

United States Senate

PERMANENT SUBCOMMITTEE ON INVESTIGATIONS

Committee on Homeland Security and Governmental Affairs

Carl Levin, Chairman

Tom Coburn, Ranking Minority Member

WALL STREET AND THE FINANCIAL CRISIS:
Anatomy of a Financial Collapse (4/13/11)

http://www.ft.com/intl/cms/fc7d55c8-661a-11e0-9d40-00144feab49a.pdf

Also, Florida's consumers were woefully unprotected - by Federal agencies and Florida's very own regulatory agencies - by massive illegal predatory lending schemes. 

 


It appears that Florida regulators and investigators allowed over 10,000 FELONS to become involved as mortgage lenders.  The newspaper found:

• From 2000 to 2007, regulators allowed at least 10,529 people with criminal records to work in the mortgage profession. Of those, 4,065 cleared background checks after committing crimes that state law specifically requires regulators to screen, including fraud, bank robbery, racketeering and extortion.

• More than half the people who wrote mortgages in Florida during that period were not subject to any criminal background check. Despite repeated pleas from industry leaders to screen them, Florida regulators have refused.

• Confronted with a growing epidemic of mortgage fraud -- Florida now has the highest rate in the nation -- the number of license revocations declined over the last five years, leaving borrowers at the mercy of predatory brokers.

• During the peak of the housing boom, the Office of Financial Regulation ignored a state law enacted in 2006 that compelled it to perform nationwide criminal background checks on applicants. That failure allowed people convicted in other states -- and in federal court -- to peddle loans in Florida without any scrutiny.

• Regulators allowed at least 20 brokers to keep their licenses even after committing the one crime that seemed sure to get them banned from the industry: mortgage fraud.

''I knew we had a problem. I had no idea how bad,'' U.S. Sen. Mel Martinez, R-Fla., said when told of The Miami Herald's findings.

(NO WONDER MEL GOT OUT OF FLORIDA POLITICS?)

(Read here:) http://www.miamiherald.com/static/multimedia/news/mortgage/brokers.html#storylink=cpy

A BANKER/LENDER/AGENT (PERSON) WHO MISREPRESENTS THE LOAN APPLICANT'S DEBT OR INCOME INFORMATION TO OBTAIN A LOAN UNDER CERTAIN CIRCUMSTANCES MIGHT BE GUILTY OF MORTGAGE FRAUD!

2011 Florida Statutes

817.545 Mortgage fraud.—

(1)For the purposes of the section, the term “mortgage lending process” means the process through which a person seeks or obtains a residential mortgage loan, including, but not limited to, the solicitation, application or origination, negotiation of terms, third-party provider services, underwriting, signing and closing, and funding of the loan. Documents involved in the mortgage lending process include, but are not limited to, mortgages, deeds, surveys, inspection reports, uniform residential loan applications, or other loan applications; appraisal reports; HUD-1 settlement statements; supporting personal documentation for loan applications such as W-2 forms, verifications of income and employment, credit reports, bank statements, tax returns, and payroll stubs; and any required disclosures.

(2)A person commits the offense of mortgage fraud if, with the intent to defraud, the person knowingly:

(a)Makes any material misstatement, misrepresentation, or omission during the mortgage lending process with the intention that the misstatement, misrepresentation, or omission will be relied on by a mortgage lender, borrower, or any other person or entity involved in the mortgage lending process; however, omissions on a loan application regarding employment, income, or assets for a loan which does not require this information are not considered a material omission for purposes of this subsection.

(b)Uses or facilitates the use of any material misstatement, misrepresentation, or omission during the mortgage lending process with the intention that the material misstatement, misrepresentation, or omission will be relied on by a mortgage lender, borrower, or any other person or entity involved in the mortgage lending process; however, omissions on a loan application regarding employment, income, or assets for a loan which does not require this information are not considered a material omission for purposes of this subsection.

(c)Receives any proceeds or any other funds in connection with the mortgage lending process that the person knew resulted from a violation of paragraph (a) or paragraph (b).

(d)Files or causes to be filed with the clerk of the circuit court for any county of this state a document involved in the mortgage lending process which contains a material misstatement, misrepresentation, or omission.

(3)An offense of mortgage fraud may not be predicated solely upon information lawfully disclosed under federal disclosure laws, regulations, or interpretations related to the mortgage lending process.

(4)For the purpose of venue under this section, any violation of this section is considered to have been committed:

(a)In the county in which the real property is located; or

(b)In any county in which a material act was performed in furtherance of the violation.

(5)(a)Any person who violates subsection (2) commits a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084.

(b)Any person who violates subsection (2), and the loan value stated on documents used in the mortgage lending process exceeds $100,000, commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084.

History.—s. 13, ch. 2007-182; s. 2, ch. 2008-80.

Yet, unfortunately for the bankers, being that Floridians have long been afforded well-founded properly laws, 100’s of years of well-established property recordation

The article stated:

"Economists from the Washington-based group attribute Florida's stubbornly high foreclosure inventory to its judicial foreclosure procedure, which requires a judge's approval for all cases. California is one of 29 states where repossessing a person's home does not have to go through the courts."

"The housing situation in California is turning around much more quickly, and we attribute that to the non­judicial regime," said Michael Frantantoni, vice president of research for the Mortgage Bankers Association. "A small minority of states is keeping the foreclosure rate much higher than it would be otherwise."

About 14 percent of Florida home loans are in foreclosure, by far the highest in the nation. New Jersey comes in second at 8.2 percent. Of the 16 states with the highest percentages of foreclosures, all but Nevada require a judicial proceeding.

The fight to streamline Florida's foreclosure system and more quickly clear its backlog of an estimated 368,000 cases is raging in Tallahassee, where homeowner advocates rallied Thursday against a bill they fear will reduce homeowner rights.

The proposal (HB 213), which would reduce the bank's deadline to seek a deficiency judgment from five years to two years, has passed through two House committees. It is scheduled to be heard next in the House Judiciary Committee before going to the full floor for a vote.

By the way, Passidomo is the Florida 'Fair' Foreclosure Act of 2012 House bill’s Sponsor... (Matt Gaetz was incidently the co-sponsor of the related HB 1149 - Mortgage Foreclosures).

The commentary continued...

Passidomo said the proposal keeps the judicial process but allows uncontested foreclosures or those on abandoned homes to move more quickly through the system.Opponents say it is more harmful than that because it allows process servers to determine whether a home is abandoned and puts the burden of proof on the home­owner as to why the foreclosure should not go through.

"The Passidomo bill does not guarantee the rights of citizens," said Boca Raton foreclosure defense attorney Margery Golant. "On the contrary, it allows the mortgage servicers more latitude to trample on the rights of citizens."

http://www.palmbeachpost.com/money/foreclosures/florida-has-one-fourth-of-nations-foreclosures-2181173.html?sort=desc

Other Florida homeowners’ attorneys such as Roy Oppenheimer, Esq., echo the same sentiment. His legal blog entitled

 “Florida Fair Foreclosure Act: Devil in the Details,”

further high-lighted the DECEPTIVE nature of this bill. He stated,

The proposed (click here >) Florida Fair Foreclosure Act, at first glance, appears to be fair for homeowners.

But watch out; it is actually only meant to be fair to the banks. The Act allows banks to rapidly and without supervision steal homes right from under the homeowners feet.

<snip>

Show me the note! The Act also requires the bank to actually be the owner and holder of the mortgage and note at the (time) of filing the lawsuit and to attach such note to the complaint. Seems like common sense, but given the vast amount of improper foreclosures I guess it was about time to spell out the requirements of existing law that has not changed in 100 years.

Injustice, give me due process!

After a seemingly homeowner named Act, false alarm, the banks win yet again. Hidden within the Act is a provision permitting banks foreclosure on homes without using the judicial process. As if banks did not have it easy enough before, the Act effectively speeds up the bank’s ability to throw people out of their home without due process of law.

http://southfloridalawblog.com/2011/08/25/florida-fair-foreclosure-act-devil-in-the-details/

Florida Attorney Matt Weidner summed up what he believes the be the truth of the matter in his blog....

Passidomo’s Florida (un)Fair Foreclosure Act v. The People and The Rule of Law

December 4th, 2011 Author: Matthew D. Weidner, Esq.

Representative Passidomo from Naples has introduced, and is pushing, a piece of legislation that is nothing but another back door bailout for the banks and for the title insurance industry….at the expense of the rights and the resources of the People of the State of Florida.

While Passidomo pushes this bill, every single legislator and policymaker in this state is content to utterly ignore the fraud, the lies, the crimes that were being committed, and continue to be committed by the fraudclosure industry. Indeed, while Attorneys General in states all across this country are standing up in various and very specific ways to hold the fraudclosure industry accountable, Florida’s Attorney General remains totally silent on the entire issue. Remember, it was her predecessor, Republican Bill McCollum that started nine investigations. Remember, when Pam Bondi fired the two attorneys that were aggressively pursuing these cases, she assured that even more staff and attorneys were now working on the issue….But remember, her office’s chief legislative priority is timeshare fraud……Really? Does anyone know what timeshare fraud is or do you care? Right, you don’t. Because you’re not in the industry and you don’t cut massive campaign contribution checks.

When Nevada passed a bill that mandated foreclosing plaintiffs confirm the facts in their case before filing….a bill that includes real penalties for lying…foreclosures ground to a halt in that state….why is that? Are the banks afraid of telling the truth? Meanwhile back here in Florida, a watered down version of the same bill (with no penalties) continues to be ignored and played games with by the fraudclosure industry. And with no real penalties associated with this bill, the bad conduct of the banks just continues right along……

...The "bad conduct" (felonies) of the banks just continues right along - "business as usual"….?

So exactly what is the bad conduct of the banks (and their sub-contractors?)

ARE FORGERIES IN FLORIDA REALLY FELONIES???

Through the false entering of fraudulent affidavits and other fraudulent documents into Florida County court and land records, “alleged” felonies have been “potentially” committed upon our citizens by many of the same foreign corporate entities who are pushing and supporting this misnamed legislation.

Wouldn’t these illegal actions be considered unconscionable, egregious, and against the law? Moreover, wouldn’t they represent an insidious assault on the very legal, civil, and property rights expressly guaranteed by the U.S. Constitution, the Florida Constitution, and other Federal and State laws and statutes.

Remember the "American Independent" newspaper article above?

“In Michigan, Hertel has been a leading voice in ferreting out robo-signing foreclosure fraud. Robo-signing is a term used to describe the mass production of forged signatures on legal documents related to mortgage foreclosures and other matters.”

Recently in an article in Reuters on February 16, 2012, it stated very clearly that county court records across the country are infected with fraudulent documents. This article titled

"Foreclosure abuse rampant across U.S., experts say,”

describes massive fraud in the filing of forged documents by the lender and their directly controlled agents.

* Report found 84 pct of San Francisco disclosures illegal

* High levels found across the country, experts say

“LOS ANGELES, Feb 16 (Reuters) - A report this week showing rampant foreclosure abuse in San Francisco reflects similar levels of lender fraud and faulty documentation across the United States, say experts and officials who have done studies in other parts of the country.

The audit of almost 400 foreclosures in San Francisco found that 84 percent of them appeared to be illegal, according to the study released by the California city on Wednesday.”

http://www.reuters.com/article/2012/02/17/usa-housing-defaults-idUSL2E8DGDPY20120217

Therefore, it is painfully obvious that County Commissions across Florida, should direct the appropriate County and State officials, through the inherent responsibilities of their offices and responsibilities to the citizens of their respective Counties, to begin meaningful investigations. Where any potential criminal acts are uncovered, only the full and effective prosecution of these crimes are and should be demanded. Furthermore, any local parties who have demonstrably aided and abetted these crimes, or impede such investigations, past, present, or future, must be also held accountable for their action(s), or inaction(s).

The 2011 Florida Statutes

Even the OCC Consent Orders are allegedly being manipulated so as to "clean-up" up the robo-signing fraud that was carefully designed to cover up the initial insider lending fraud...

http://news.firedoglake.com/2012/03/06/occ-foreclosure-reviewer-fabricated-documents-for-servicers/ 

From the Firedoglake.com article:

"It turns out that Solomon Edwards Group also conducts servicer reviews for the OCC process. So they are reviewing work that they themselves may have “scrubbed” previously. (UPDATE: Yves writes in to say that “SolomonEdwards stressed that not only were they not reviewing prior work in their OCC foreclosure work, they would not pitch regulatory work that would put them in that position.” Duly noted, I regret the error.) Yves stressed that SEG is probably one of the more careful firms engaged in this. But in the process of their bringing loan portfolios into compliance, they may be willfully engaging in the fabrication of documents, by adding “allonges” or other extra-legal documentation after the time at which this would be legal and allowable. As Yves writes, “This confirms, as we have said repeatedly, that there was a massive failure in the industry to conform to the requirement of the legal agreements that it devised. And there is a very big business, now with a government seal of approval, in covering up that fact.”


... AND WHY IS THE FLORIDA A.G.'s OFFICE SO DYSFUNCTIONAL?


Although, Florida officials like A.G. Bondi seem to have no stomach (or political will) to carry out their lawful duties against LPS and their many subsidiaries like DocX. (LPS is a major Jacksonville, FL employer and FL political campaign donor.) The complaints to the Florida A.G. office (over a three-year period) about robo-signing, have yet to yield ZERO criminal indictments during not one but two A.G. administrations.

http://www.palmbeachpost.com/money/foreclosures/foreclosure-fraud-investigators-forced-out-at-attorney-generals-1603854.html




http://jacksonville.com/news/florida/2011-07-29/story/political-notebook-pam-bondi-under-fire-after-lps-related-resignations

From the Jacksonville.com article regarding the mysterious firing of Florida's two top economic crimes investigators, June Clarkson and Theresa Edwards,

"We were under fire like you have no idea," Clarkson told the Times. "It was like our home team was against us."

LPS donated money to Bondi's campaign and other, mostly Republican, candidates.

Bondi issued a statement calling suggestions of a political quid pro quo "unfounded and offensive."
<snip>
"With their support, we'll have the resources necessary to spread our message of principled, limited government conservatism to more and more Floridians."

We should all thank A.G. Bondi for her office's "principled, limited government conservatism..." Then we should ALL VOTE HER OUT OF OFFICE FOR BEING INEFFECTIVE, OR EVEN WORSE...? 

Unfortunately, Floridians will never read anything relevant to any criticism with A.G. Bondi in the typical mainstream media...

http://news.firedoglake.com/2012/01/31/lps-uses-bogus-florida-ig-report-on-firing-of-foreclosure-fraud-investigators-in-motion-to-dismiss-nevada-lawsuit/


From Firedoglake.com:

"LPS leans hard on the idea that borrowers weren’t harmed by the use of false documents. The implication here is that the borrower was delinquent anyway, so there’s no abuse going on. But the more important part of the motion to dismiss (copy at the link) comes when LPS makes the claim that robo-signing isn’t really a crime. It’s merely “signing of documents by an authorized agent,” says LPS, and that is permitted under Nevada law. Here’s one way they justify that (DocX is a subsidiary of LPS):

The State of Florida has reached an identical conclusion regarding DocX’s surrogate signed documents. Two assistant attorneys general involved in that state’s investigation of the mortgage crisis, including DocX, prepared an information power point presentation in which surrogate signing was characterized as “forgery.” The two attorneys were subsequently terminated for alleged fraud, deficient and improper investigatory practices which triggered a formal review by the Inspector General of Florida. In a recently issued official report, the propriety of the termination of the attorneys was confirmed, and specifically, the power point characterization of surrogate signing as “forgery” was determined to be unsupported by the legal definition of forgery.

Wow. So LPS used the whitewash IG report from Florida to justify the dismissal of their lawsuit in Nevada.  And remember, LPS lobbyists more recently urged the Florida AG’s office to intervene on their behalf in a criminal case in Michigan. The connections between the FLorida AG’s office and LPS just continue to grow. 

This also happens to be BS. Pam Bondi made a recent motion in a Florida appeals court, as part of a case against the foreclosure mill David J. Stern, which stated, among other things, this:

The Attorney General’s motion asks the Fourth DCA to certify that its decision in Stern passes upon the following question of great public importance: whether the creation of invalid assignments of mortgages by a law firm and subsequent use of such documents by the firm in foreclosure litigation on behalf of the purported assignee is an unfair and deceptive trade practice which may be the subject of an investigation by the Office of the Attorney General.

On the other hand, AG Masto of Nevada recently handed down criminal indictments against the first two low-level robo-signors employed to falsely sign court/land documents. Common wisdom shows that the “probability is that Nevada AG Masto is starting by going after mid-level employees, with the intent to flip up the chain.”

This is a tacit acknowledgment of illegal assignments, which is functionally the opposite of what the IG report said. So of course LPS uses the latter in their Nevada case."

***(Reminder:) 831.01 Forgery.—Whoever falsely makes, alters, forges or counterfeits a public record, ... with intent to injure or defraud any person, shall be guilty of a felony of the third as provided in s. 775.082, ***

"Are you confused yet?" (They want you to be confused!)

http://www.ritholtz.com/blog/2011/11/nevada-ag-robosigning-indictments/

The blog shared,

“According to the WSJ, the charges were brought against Lender Processing Services employees. As Yves Smith explains, LPS handled much of the foreclosure mill network used by the big banks.”

http://online.wsj.com/article/SB10001424052970203699404577042961074968218.html

Then AG Koster of Missouri followed suit with 136 criminal indictments. The announcement proclaimed,

“The grand jury indictment alleges that mass-produced fraudulent signatures on notarized real estate documents constitutes forgery,” Koster said. “Today’s indictment reflects our firm conviction that when you sign your name to a legal document, it matters,” Koster said.

http://ago.mo.gov/newsreleases/2012/AG_Koster_announces_136_criminal_indictments/

 

Meanwhile, the MORAL HAZARD ARGUMENT gets sold to the confused and bewildered American People by the typical "financial news" shows, (consider the target audience,) and the famous Rick Santelli rant on CNBC, “subsidize the losers’ mortgages.”

http://www.youtube.com/watch?v=jiCOb49vVVM

 

Yet, there is a God... Even evangelist Pat Robertson agrees that criminal bankers should be put into jail. Meanwhile, ehe sacred tenants of the TEN COMMANDMENTS rings through the air, "THOU SHALT NOT LIE," and "THOU SHALT NOT STEAL."

Pat Robertson: We Need To Put The Bankers Who Lied To Americans And Caused The Financial Crisis In Jail

Today, televangelist and long time right-wing icon Pat Robertson addressed the banking crisis on his television show, The 700 Club. Referencing how Iceland dealt with its own economic crisis — it jailed many of the bankers who broke laws and deceived the nation’s people — Robertson praised the European nation and said that we need to deal with the crimes of the financial sector here in the United States the same way. “[Iceland is] putting people in jail,” Robertson said. “They’re going after bankers there. The people said, ‘Those banks were rippin’ us off. We don’t like what they did. They brought out country to ruin. Now Iceland suddenly is turning around. Their GDP is growing. They look like a big success story. Isn’t that amazing?”

“We can start putting some of those bankers in jail,” Robertson preached. “There were all kinds of shady dealings during that financial crisis. So many people were lying….I’m not for putting people in jail…but here’s an opportunity for the people who want to enforce laws to enforce that one. There must be some laws against lying in documents!”

http://www.republicreport.org/2012/pat-robertson-jail-bankers/

Meanwhile, Florida's government is also becoming the laughing stock of free minded, civilized, intelligent freedom minded citizens across the planet. The ACLU even had to come down to Florida and admonish a few Florida Courts and Judges as being biased, and preventing interested 3rd parties from witnessing foreclosure court proceedings aptly names the ROCKET-DOCKET. So much for our rule of law or lawless rulers in Florida?

http://jacksonville.com/business/2011-04-07/story/aclu-challenges-florida-foreclosure-courts-biased

 

Moreover, equally as disturbing, Florida attorneys (officers of the courts) representing the banks are accused of massive ethics violations regarding the foreclosure fraud tsunami in Florida.

http://4closurefraud.org/2010/05/19/attorneys-forged-signatures-sloppy-paperwork-on-many-foreclosure-documents/

Consider carefully that as of March 8, 2012, the Florida Senate (and House) were still steam-rolling this very, very bad bill... and it is NOT for the sake of upholding the LAW and protecting its citizens, consumers, and property owners!

http://blogs.palmbeachpost.com/realtime/2012/02/08/house-committee-passes-quickie-foreclosure-bill/



By March 9th, 2012, The Bill was effectively stopped by a handful of courageous opponents who VOTED THEIR CONSCIENCES and NOT PARTY LINES.

REPUBLICAN MIKE FASANO WAS THE ONLY FLORIDA REPUBLICAN LEGISLATOR TO VOTE HIS CONSCIENCE!

Tampa Bay Times:
A Florida Senate story of conscience vs. agenda

By John Romano, Times Columnist
John RomanoTampa Bay Times In Print: Sunday, March 11, 2012

Maybe a small token of appreciation and a day's worth of handshakes and hugs. In the case of an outgoing Senate president, there is even a portrait for posterity.

But the best gift of all for a legislator facing a term limit is this:

Freedom.

The freedom to ignore committee assignments, party lines, forthcoming elections and lobbyists in the hall. The freedom to vote without constantly looking over your shoulder.

<snip>

Fasano saw it as a chance to vote his conscience. Forget the politics. Forget the wishes of his party's leadership. He would vote on bills based on their merits alone. No quid pro quo. No worrying about how it might play in the governor's office.

(read more)

http://www.tampabay.com/news/politics/legislature/article1219422.ece




Yet, the consumer advocates will still have to fight against injustice in the State of Florida. Read THEIR SIDE OF THE STORY if you are truly for fairness, decency, and equal protection under the law in Florida.

http://4closurefraud.org/2012/02/22/citizens-report-on-hb-213-florida-foreclosure-act/



HERE IS THE OTHER DIRTIEST SECRET OF THEM ALL REGARDING THE ABILITIES TO SUCCESSFULLY DEFEND THEMSELVES AS AMERICAN CITIZENS IN QUESTIONABLE FORECLOSURES ACROSS THE COUNTRY - AND ESPECIALLY IN FLORIDA!

The overwhelming LEGAL COSTS and FEES that the average homeowners will need to shell out of their own pocket, could conceivably be upwards of $10,000's to $100,000's of dollars to defend themselves against the banks and their so called "successor banks'" unquestionable frauds and illegal behavior.

The time it takes for the (properly defended) typical litigation could run anywhere from 7 to 16 years!

That equates to a bloody, unfair chunk of a human being's life, just to defend themselves properly against the overwhelming resources of the banks who received TRILLIONS OF DOLLARS in BAILOUTS - courtesy of CONGRESS - at (YOUR) TAXPAYER EXPENSE!


TRUE JUSTICE IS THEREFORE ONLY SOLD TO THE HIGHEST BIDDER!


http://msfraud.org/Ohio-Court-Reluctance-to-Admit-Fraud-Causes-16-Years-of-Litigation.html



IN THE END, HYPOCRISY RULES THE WORLD OF STRUCTURED FINANCE AND GOVERNMENT OVERSIGHT:

The Mortgage Bankers Association strategically defaults on its loan after shaming homeowners who do the same.

OUR COUNTRY AND STATE ARE HELD HOSTAGE BY THE BANKS AND THEIR WALL STREET AFFILIATES!

THE 3 BIGGEST LIES "THEY" ARE TELLING YOU:

1- THE HOMEOWNERS ARE THE MAIN CAUSE OF OUR ECONOMIC IMPLOSION TO DIFFUSE THE TRUE BLAME?

2- THE BANKS ACTED IRRESPONSIBLY - BUT NOT CRIMINALLY?

3- OUR ECONOMY IS IMPROVING, OR WILL IMPROVE BY GOVERNMENT INTERVENTION INTO THE "LEGAL" SYSTEM?

THE 7 BIGGEST OBSERVABLE TRUTHS "THEY" ARE NOT TELLING YOU:

1- MILLIONS OF LOANS MADE BETWEEN 2003 - 2007 WERE FRAUDULENT BY INDUSTRY INSIDERS. THIS IS MORTGAGE FRAUD AND IT IS A FELONY. THE MILLIONS OF FRAUDULENT LOANS ARE THE SOLE SOURCE OF THE FRAUDULENT SECURITIES SALES WHICH IMPLODED OUR ECONOMY VIA THE DECLINE OF OUR REAL ESTATE MARKETS AND BOND MARKETS. SECURITIES FRAUD IS A FELONY.

2- THE SUCCESSOR BANKS DO NOT MOST LIKELY HOLD LEGAL EQUITABLE TITLE TO VIRTUALLY ALL THE HOME LOANS AND THESE LOANS ARE IN MOST CASES LEGALLY UNENFORCEABLE. THE NOTES AND MORTGAGES WERE SPLIT IN THE SECURITIZATION PROCESS. (THINK ENRON, MCI, FORD PINTO AND THREE MILE ISLAND COMBINED...)

3- OUR PUBLIC AND PRIVATE PENSION FUNDS - VIA DIRECT CONNECTION WITH THE BOND MARKETS (ESPECIALLY OUR GOVERNMENT EMPLOYEES AND JUDGES) - ARE MAINLY LINKED TO DEFECTIVE, TOXIC, AND FRAUDULENT RESIDENTIAL MORTGAGE BACKED SECURITIES (RMBS.)

4- THE HOMEOWNERS ARE REPEATEDLY FINANCIALLY RAPED BY THE LEGAL SYSTEM AND THE INHERENT COST OF PROPER LEGAL DEFENSE OF THEIR CONSTITUTIONALLY GUARANTEED RIGHTS TO DUE PROCESS, PROPERTY RIGHTS, AND WELL ESTABLISHED CONSUMER PROTECTIONS AND PROPERTY RECORDING LAWS. PROPER LEGAL DEFENSE IS PRACTICALLY NON-EXISTENT AND UNAFFORDABLE.

5- MILLIONS Of DEFRAUDED PROPERTY OWNERS ARE BEING ADDITIONALLY DEFRAUDED THROUGH A CONCERTED EFFORT WITH GOVERNMENT AND THE BANKING INDUSTRY (AND THE FINANCIAL INDUSTRY'S POWERFUL LOBBYIST FIRMS) IN THE "SERVICING" OF THEIR FRAUDULENT LOANS AND IN THEIR UNLAWFUL LITIGATION EFFORTS AS AIDED AND ABETTED BY OUR FEDERAL AND STATE AGENCIES - IN ORDER TO PROTECT AND PRESERVE OUR ECONOMY AND ITS MOST BENEFICIAL PARTIES.

6- THE HOMEOWNERS WILL RECEIVE LITTLE TO NOTHING THROUGH THE SO-CALLED 50 STATE A.G. SETTLEMENTS & OCC CONSENT ORDERS. MOST OF THESE DOLLARS WILL PRESUMABLY COVER SHORTFALLS IN THE AILING STATE BUDGETS (CAUSED BY THE VERY BAD ACTOR BANKS)AS DETERMINED BY THE PARTICIPATING STATE LEGISLATURES.

7- THE LEADING AND MOST VISIBLE HOMEOWNERS ATTORNEYS AND FORECLOSURE FRAUD ACTIVISTS ARE BEING CONSTANTLY THREATENED, SANCTIONED, AND ATTACKED - BY THE "SYSTEM." THIS IS PROOF OF HOW DEEPLY FLAWED AND CORRUPT OUR "SYSTEM" REALLY IS.

(Here are just a few links to 100,000's of hours of research and supporting news articles and reference sources including Law School & academic white papers, government investigations, Law Suits, etc....)

http://nationalwamuhomeownerssupportgroup.com/Home_Page.html

http://www.msfraud.org/

http://www.foreclosureself-defense.com

http://whatsignature.com/

http://www.foreclosurehamlet.org/

http://stopforeclosurefraud.com/

http://4closurefraud.org/

http://frauddigest.com/

http://market-ticker.org/

http://livinglies.wordpress.com/

http://www.foreclosureself-defense.com

http://chasechase.org/

http://mariokenny.wordpress.com/

http://victoryoverchase.blogspot.com/

http://www.consumerdefenseprograms.com/

http://goodgriefamerica.ning.com/

http://mattweidnerlaw.com/blog/

http://www.stayinmyhome.com/

http://ohiofraudclosure.blogspot.com/

http://propertydefensenetwork.com/home-2/

http://www.calculatedriskblog.com/

http://ml-implode.com/

http://www.webofdebt.com/

http://www.washingtonsblog.com/ 

SO, ARE THESE THE SHINING EXAMPLES OF OUR TRUEST AND MOST CHERISHED AMERICAN VALUES...?

EVEN MORE SADLY, IS OUR FEDERAL GOVERNMENT THE HIDDEN TRUE OWNER OF MOST OF THE FORECLOSURES - AND ARE THEY ALLOWING THE "SUCCESSOR" BANKERS TO MERELY PERFORM THE DECEPTIVE TASK OF MERELY THAT OF A "DEBT COLLECTOR" - (OF THE ORIGINAL, INTENTIONAL FRAUDULENT LOANS?)

2011 Florida Statutes

817.02 Obtaining property by false personation.— Whoever falsely personates or represents another, and in such assumed character receives any property intended to be delivered to the party so personated, with intent to convert the same to his or her own use, shall be punished as if he or she had been convicted of larceny.

History.—s. 49, sub-ch. 4, ch. 1637, 1868; RS 2466; GS 3321; RGS 5156; CGL 7259; s. 1244, ch. 97-102.

... OR EVEN WORSE, DOES WALL STREET HOLD OUR COUNTRY'S ECONOMY HOSTAGE?

  
SO EXACTLY WHY DOES MATT GAETZ FAIL OUR CITIZENS BY HIS INVOLVEMENT AND FULL SUPPORT OF THE FAILED PASSAGE OF A VERY BAD BILL THAT QUITE OBVIOUSLY "AIDS AND ABETS" FELONIOUS BEHAVIOR, ALLOWS THE FELONIES TO BE COVERED UP, AND IS CLEARLY AN ATTACK AGAINST THE CITIZENS’ AND PROPERTY OWNERS’ RIGHTS TO DUE PROCESS AND THEIR GOD-GIVEN CONSTITUTIONAL PROTECTIONS?

SHAME ON MOST OF OUR "ELECTED" POLITICIANS.
 
SHAME ON (CONSERVATIVE?) MATT GAETZ, AND THE OTHER FLORIDA (CONSERVATIVE?) LEGISLATORS, WHO ATTACK OUR AMERICAN CORE VALUES AND FREEDOMS FOR THE SAKE OF "IMPROVING OUR ECONOMY" AND SCORING "BROWNIE POINTS" WITH THEIR ASSISTANCE OF THE TRUE AGENDA OF THEIR CORPORATE LOBBYIST BUDDIES.  

(If you still don't "get it," watch this video later so you can continue through the other pages of my campaign website.)

Nationally known writer and economics commentator Karl Denninger (who is also a Niceville, Florida resident,) sums up what has happened to our Country and our State. If you do not fully understand what has exactly occured in the destruction of our economy, corruption of our free market system, and the pervasive fraud that exists in our capital markets with our governments' allowance, then please watch this video.

Thusly, I can only stand for sharing the truth and defending the true ideals of the original intent of the founding of our great Country.  

"... AND, I WILL DEFINITELY
NOT SUPPORT THIS!"

...and would Matt Gaetz defend against this...?

... AND YOU?

 

(O.K., let's talk about Matt Gaetz...)

3 CONCEPTS MATT GAETZ PROBABLY DOESN'T WANT YOU TO THINK ABOUT, OR CAREFULLY CONSIDER:


MATT GAETZ SAYS HE IS A "CONSERVATIVE," BUT MATT IS PROVABLY SELECTIVE IN HIS APPLICATION OF WHAT "CONSERVATISM" REALLY MEANS.

HERE IS PROOF THAT MATT GAETZ DOES NOT SUPPORT OUR LIBERTIES AND FREEDOMS AS THEY WERE INTENDED BY OUR FOUNDING FATHERS. 

IT DEPENDS ON WHERE HIS FAVORITE LOBBYISTS STAND!?

- Fact 1
MATT GAETZ  FAILED TO PROTECT AND DEFEND FLORIDA HOMEOWNERS' CONSTITUTIONALLY PROTECTED LIBERTIES, DUE PROCESS, AND PROPERTY RIGHTS


MATT GAETZ FAILED HOMEOWNERS & PROPERTY OWNERS, CITIZENS AND TAXPAYERS, BY BEING PARTY TO THE ATTEMPTED PASSING OF THE "FLORIDA FAIR FORECLOSURE ACT of 2012."

This bill is touted as the first steps into becoming a non-judicial foreclosure state. It will also impair the homeowners right's for allowing the banks and their representatives to avoid certain well-established  steps in the legal foreclosure process. As if they have been proven not to be reliable themselves in illegal and fraudulent "fraudclosure" issues already?

THIS IS A GREAT EXAMPLE OF CORPORATELY CONTROLLED LOBBY EFFORTS TO UTILIZE OUR LEGISLATIVE PROCESS - AND REPRESENTATIVES - TO PLUNDER (STEAL PEOPLE'S PROPERTIES IN A SLICK, UNDERHANDED MANNER. IT IS AN ABUSE OF POWER!





The banks set homeowners and property owners up for certain failure. The wording of this bill will not obviously correlate to the actual historical context of past foreclosure proceedings, tactics and strategies the bank lawyers will employ to "snooker" the defendant - and Judge -  and get an immediate foreclosure and summary judgment against the defendant.

- 90% of all Florida homeowners failed to receive adequate legal representation. Legal protection was not readily available nor affordable. The Florida courts (rocket dockets) then failed all too many Florida consumers.

   
     1- Most attorneys didn't understand their clients may have been defrauded by the banks in underwriting and appraisal.
   
     2- Most homeowners valiantly paid their life savings to stay on paying until they ran out of money. They were suckered by the loss mitigation departments of the servicers to only be considered for  loan modification "IF THEY CEASED MAKING PAYMENTS."  Once they ran out of money, they could no longer AFFORD a qualified attorney.
     
     3- The Judges never initially understood the extent of the fraud by the bankers, and typically denied DISCOVERY REQUESTS to the homeowners to inspect their (potentially fraudulent) UNDERWRITING and APPRAISALS.

      4- The other willful violations by the banks include:
Respa and Tila violations
Fraud in the inducement
Misrepresentation
Forgeries
filing fraudulent documents into court records & land records.
Mail fraud
Wire fraud
Sewer service (illegal process of not serving of litigation docs.)
Securities Fraud'
Abuse of process
FDCPA violations
US Servicemembers Foreclosure Act violations
Violations of the Deceptive and Unfair trade practices Act.
Extortion
Perjury
Slander of title
Slander of credit
Money laundering
Willful failure to following well established FL civil procedures
RICO!!!
Violations of FDIC, OTS, and OCC rules
(Just for starters to name a few, and the list goes on.....)

12 CFR- The banks cannot lend money to borrowers they know have NO ability to repay the debt. Securitization allowed for a "not my problem" attitude (mass fraud and aiding and abetting..) amongst the lenders, wholesalers, securitizers, ratings agencies, etc. 
 

     

HB 1149 - Mortgage Foreclosures

General Bill   by Steube (CO-SPONSORS) Gaetz

Mortgage Foreclosures: Reduces limitations period for commencing action to enforce claim of deficiency judgment pursuant to foreclosure action; provides that entry of deficiency judgment must be commenced within specified period after date of court foreclosure sale or short sale; bars attempts to collect deficiency judgment if not commenced within such period; limits amount of deficiency judgment in foreclosure action; authorizes reduction of amount of deficiency judgment by insurance setoff; authorizes lienholders & condominium or homeowners' associations to request order to show cause for entry of final judgment of foreclosure; provides requirements & procedures with respect to order directed to defendants to show cause why final judgment of foreclosure should not be entered; provides that failures by defendant to make certain filings or to make certain appearances may have specified legal consequences; requires court to enter final judgment of foreclosure & order foreclosure sale; establishes expedited foreclosure proceedings for abandoned residential real property & procedures & requirements with respect thereto; provides procedures & requirements for actions to foreclose on mortgages on actual or potential homestead property.

Effective Date: July 1, 2012

Last Event: 1st Reading on Tuesday, January 10, 2012 11:59 PM

http://www.myfloridahouse.gov/Sections/Bills/billsdetail.aspx?BillId=48397&

Related Bills
Bill # Subject Relationship HB 1149 Mortgage Foreclosures Compare CS/SB 1890 Mortgage Foreclosure Proceedings Compare

(Here were Matt's committee votes on the infamous House Bill 213 and his contribution to this "crony capitalist, corporate welfare, and property right/due process right killing bill, thus far...)

Bill Number: PCS for HB 213 Bill Name: Judicial Proceedings Action: Favorable With Amendments Committee: Civil Justice Subcommittee Location: 404 HOB Duration: 2.50 Date: 1/25/2012 8:00:00 AM Sponsor: Subject: Judicial Proceedings

Y Abruzzo Y Gaetz Y Kiar Y Passidomo Y Stargel Y Bernard Y Hager Y Metz - Plakon Y Steinberg Y Eisnaugle Y Harrison Y Oliva N Soto Y Weinstein

and another committee on the related bill....

Bill Number: 0213 Bill Name: CS/HB 213 Action: Favorable With Committee Substitute Committee: Judiciary Committee Location: 404 HOB Duration: 4.00 Date: 2/22/2012 8:00:00 AM Sponsor: Civil Justice Subcommittee and Passidomo (CO-SPONS... Subject: Mortgage Foreclosures

- Campbell - Hager Y McBurney Y Porth N Soto Y Eisnaugle Y Harrell Y Metz Y Schwartz Y Steinberg Y Gaetz Y Harrison Y Passidomo Y Snyder Y Weinstein Y Goodson N Julien Y Pilon

NOTICE THAT VERY FEW POLITICIANS ARE VOTING FOR WHAT WAS THE RIGHT THING TO DO!



REMEMBER, FORECLOSURE FRAUD IS A FELONY!

2011 Florida Statutes

Title XLVI CRIMES	Chapter 817 FRAUDULENT PRACTICES	View Entire Chapter

 

817.54 Obtaining of mortgage, mortgage note, promissory note, etc., by false representation.— Any person who, with intent to defraud, obtains any mortgage, mortgage note, promissory note or other instrument evidencing a debt from any person or obtains the signature of any person to any mortgage, mortgage note, promissory note or other instrument evidencing a debt by color or aid of fraudulent or false representation or pretenses, or obtains the signature of any person to a mortgage, mortgage note, promissory note, or other instrument evidencing a debt, the false making whereof would be punishable as forgery, shall be guilty of a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084.

History.—s. 1, ch. 63-142; s. 880, ch. 71-136.











- FACT 2:
MATT DOESN'T SEEM TO CARE ABOUT GOVERNMENT OPENNESS AND TRANSPARENCY 


Matt Gaetz has been critized for not being like  his father in this respect, as read in a local NWF Daily news editorial:

EDITORIAL: Sen. Gaetz makes the right call

http://www.nwfdailynews.com/articles/gaetz-39058-sen-legislators.html

April 07, 2011 9:28 AM

"When father-and-son legislators Don and Matt Gaetz predicted they wouldn’t view all issues the same way, they weren’t kidding. Don Gaetz, a senator from Niceville, opposes a measure (SPB 7204) that would let local governments post public notices on their own websites instead of publishing them in local newspapers.

His son, Matt, a representative from Fort Walton Beach, supports that very idea. In fact, he’s co-sponsoring an online-only bill (HB 89) in the House.

Father knows best. Sen. Gaetz deserves applause for continuing to work for open government. Rep. Gaetz deserves boos and hisses for trying to make government murkier.

Don’t be misled: These proposals in the Senate and House are all about how open we want our government to be."

Read more: http://www.nwfdailynews.com/articles/gaetz-39058-sen-legislators.html#ixzz1nELUiCRm

(Again, Matt may be playing "water-boy" for the corporate banking lobby. Perhaps because Matt and his buddies want to conceivably do away with proper legal service, notification, and hand delivery - as required by LAW. This would make it easier to foreclose on unsuspecting homeowners - who don't live around here (like all those investors from Atlanta, Birmingham, Tuscaloosa, Memphis, etc...)

the article continued...
 

"More important, we believe, is that public notices provide vital information that should be made as widely available as possible. That means putting them both online and in your newspaper. As they are now.

Taking public notices out of newspapers would be moving “in a direction that would limit public awareness and … further reduce public participation in government,” the First Amendment Foundation wrote in a letter to Sen. Gaetz.

We’re pleased that Sen. Gaetz agrees. The younger Gaetz ought to join him in ensuring that public notices in Florida will continue to be available for all to see."

Read more: http://www.nwfdailynews.com/articles/gaetz-39058-sen-legislators.html#ixzz1nEN2IsFK

Either way, Matt seems to be for LESS TRANSPARENCY in government. But maybe this will put you over the top...


"House Bill Would Shield Lawmakers From Testifying"

By JAMES L. ROSICA
THE ASSOCIATED PRESS

Published: Friday, February 17, 2012 at 11:06 p.m.

TALLAHASSEE |
A bill now moving through the Florida House would allow state lawmakers to wrap themselves in absolute immunity from having to testify in lawsuits.

The House Judiciary Committee cleared a bill (PCB JDC 12-03) along party lines on Thursday that would give a "legislative privilege" to all current and former lawmakers and their staff. If a staff member wanted to cooperate, the lawmaker could block the testimony.

The privilege includes not having to turn over personal notes or other documents produced in their legislative capacity. And the immunity from disclosure extends even after a lawmaker's death.

Democratic critics complained bitterly that the measure really was about protecting Republican motives behind this year's maps for once-a-decade political redistricting.

"Particularly the timing of this speaks to what it's all about," said Rep. Richard Steinberg, a Miami Beach Democrat, who pointed out that a House redistricting lawyer was attending the meeting. "This has everything to do about redistricting."

The Florida Democratic Party already is challenging the Republican-controlled Legislature's new congressional districts as unconstitutional. Three groups that supported the Fair Districts anti-gerrymandering amendments voters adopted in 2010 say they also plan to sue.

Rep. Matt Gaetz said the bill is in response to threats of such lawsuits.

"What this bill does is ensure that litigation is not used as a tool or a bully tactic," the Shalimar Republican said. "Because a specific interest group has a lot of money and can afford litigation, they can drag (lawmakers) into court, disrupt their life, their service to constituents." Gaetz didn't name specific groups.

The League of Women Voters of Florida, one of the likely plaintiffs, points to the Florida Constitution: "No apportionment plan or individual district shall be drawn with the intent to favor or disfavor a political party or an incumbent."

"The Legislature's intent is very relevant," said league president Deirdre Macnab. "Yet the decision to move this law forward would make the intent of both current and prior legislators and staff unavailable. If they had private meetings where they directed that maps be drawn in violation of the criteria, the courts and the public might never find out."

Again, this Bill met with Legislative death soon afterwards .....

(read more)
http://www.theledger.com/article/20120217/NEWS/120219369?template=printpicart

One more time for effect, Matt states:
"What this bill does is ensure that litigation is not used as a tool or a bully tactic," (the Shalimar Republican said.) "Because a specific interest group has a lot of money and can afford litigation, they can drag (lawmakers) into court, disrupt their life, their service to constituents."

(In terms of fraudulent foreclosure litigation, isn't this what happens to defrauded homeowners when they are dragged into court and put through 7 - 16 years of proper (and typically unsustainable, expensive) litigation so attorneys can pad their own legal bills? Matt should know, he is an attorney.)


But Matt doesn't seem to get that WE THE PEOPLE DO HAVE EVERY RIGHT TO KNOW WHAT IS GOING ON BEHIND CLOSED DOORS - OR UNDER/OVER TABLES, ON THE GOLF COURSE, OR ANYWHERE ELSE FOR THAT MATTER!

Matt doesn't really seem to speak out in a major way in upholding and supporting transparency, does he?

Maybe Matt is just a bit nervous about how many travesties of justice and unlawful (or immoral) governance issues have (potentially) occurred with Legislators in Tallahassee. Maybe Matt is a bit scared that one day, the homeowners and citizens of Florida might sue the very legislators who are also "carrying the water" for their corporate masters. (Just a theory???)

Read it again - Matt does know that Corporations (using taxpayer money) can unlawfully and unfairly sue property owners - for decades if they wished.

"What this bill does is ensure that litigation is not used as a tool or a bully tactic," the Shalimar Republican said. "Because a specific interest group has a lot of money and can afford litigation, they can drag (lawmakers) into court, disrupt their life, their service to constituents."



IN THE END, GOVERNMENT HAS TO BE HELD ACCOUNTABLE FOR THEIR TAXPAYER & VOTER SUPPORTED ACTIONS. TRANSPARENCY AND OPENNESS ARE THE VERY CLOTH TO UPHOLDING A HIGHER LAW ACCORDED AND DUE TO ITS CITIZENRY.



To be fair, I would agree on some things Matt Gaetz wishes to reform in Tallahassee. WE all know up here in NW Florida, our governments are RIPE FOR REFORM. Tallahassee reminds me of a mixture of swamp and sewer. Yet, I would strongly disagree on Matt's stance on yet, another issue.



- FACT 3
MATT GAETZ DOES NOT SEEM TO MIND LEGISLATING MORALITY ONTO OTHER HUMAN BEINGS' PERSONAL LIVES, AND THAT GOVERNMENT HAS SOME SORT OF INHERENT RIGHT OR DUTY TO TELL US HOW WE ARE TO LIVE  WITHIN OUR OWN PERSONAL AND PRIVATE MATTERS!

Matt seems to feel that GOVERNMENT SHOULD BE INTRUSIVE INTO OUR PERSONAL LIVES. MATT IS NOT A TRUE LIBERTARIAN AS A "CONSERVATIVE. "HE SEEMS TO SUPPORT BIG GOVERNMENTS EFFORTS TO CONTROL OUR MOST PERSONAL AND PRIVATE DECISION'S ABOUT HOW WE RUN OUR OWN LIVES!

From the Saint Petersburg Blog:

http://saintpetersblog.com/2011/05/matt-gaetz-conscience-of-northwest-florida-conservative/

"Matt Gaetz: Conscience of Northwest Florida Conservative"

From State Representative Matt Gaetz: "Last year our community gave me the greatest honor of my life by electing me to serve in the Florida House of Representatives. I ran as a conservative reformer frustrated with the direction of government at virtually every level. I’ve learned that reform is never easy and rarely comes without a few bumps and bruises. After all, preserving the status quo is the goal of countless special interests.

I’ve been accused of being anti-abortion, anti-union, pro-gun and hostile to some irresponsible acts of local government – and that was just yesterday. Without regret I plead guilty on all counts."

Again, many of us might agree with Matt on a few things... He certainly is trying to reform many aspects of our government that need reforming. It is only fair that I state that.

But there are many issues that he has shown himself to be in conflict with libertarian ideals such as LESS GOVERNMENT INTRUSION INTO OUR PERSONAL LIVES!

(read the interesting comments below... I have know idea who they are, but they should get us thinking - and talking ...)

1. GoldwaterFan says:

   May 12, 2011 at 11:25 am

   Matt – I think you are an incredibly talented legislator, orator and leader but I have a few concerns. You invoke Barry Goldwater’s words in your blog title but Barry Goldwater’s social stances can not be found in your belief system. How can you espouse libertarianism while you actively try to keep government involved in people’s personal decisions?

2. michel says:

   May 12, 2011 at 11:49 am

   Matt Gaetz

   An immature political hack with no future past 2012

3. GoldwaterFan says:

   May 12, 2011 at 1:05 pm

   I originally thought that Matt Gaetz was immature and pompous and didn’t have a lot of hope for him but this session I have seen him be very thoughtful and intelligent. He challenged his own political party on certain issues he felt strongly about without fear of retribution. That’s real leadership. My concern with Rep Gaetz is his contradictory stance on abortion, gay adoption, etc, etc. Government should not be involved in people’s personal lives.

4. Big D says:

   May 12, 2011 at 3:32 pm

   The RPOF and Gaetz are among the most corrupt pols in the Country, destroying Florida’s Government and protections for its citizens at the will of their corporate interests and rich good ole buddies.
   Gaetz is a scary Knuckle-dragging Neocon.

5. Jack says:

   May 17, 2011 at 2:20 pm

   “I opposed allowing the government to collect union dues and political contributions on behalf of public sector unions”

   But when other groups like the Florida Nurses PAC want to use payroll deduction to collect dues and donate to the GOP, that’s fine?

However, in the same article, Matt further admits something very telling about his knowledge of how things are run in Tallahassee politics....


"After all, preserving the status quo is the goal of countless special interests."
                                                           - Matt Gaetz


(You can fool some of the people some of the time....)
       

"More reforms are on the horizon. We need an immigration fix, more support for existing businesses and higher pay for great teachers. An improving economy must be the catalyst to restore the cuts in services for disabled Floridians.
(People we already screwed, but will help again - IF WE HAVE A HEALTHY ECONOMY?)

I know there is much more to learn, just as there is much more to do. I’ll be knocking on doors, meeting with neighborhood groups and listening to the voices and values of Northwest Florida in the coming months.
(Haven't you been listening for the last few years? Have you ever?)

In the mean time, I doubt that union bosses, Democratic Party protesters – or even the Daily News editorial board will be clamoring to name me “Legislator of the Year.” That’s ok. Reform isn’t supposed to be easy.
(How come you have not been REFORMING CORRUPTION all along in Tallahassee?)

There are 120 members of the Florida House. I represent the most conservative district in our state. It’s good to be home."
(You ain't that Conservative, Matt!)

                                                                     - Matt Gaetz

It turns out that Matt feels he should forget about the values of liberty and freedom for SOME people ...?

Furthermore, apparently Matt wants to control laws that offends the rights of public employees such as State and municipal employees, firefighters and police officers.

Supporting one part of a Bill is the same as supporting the whole Bill, isn't it?

"House member drops effort to resurrect union dues limits"

BY JEROME R. STOCKFISCH - The Tampa Tribune

        Published: April 29, 2011

TALLAHASSEE - House Republicans withdrew amendments this afternoon meant to resurrect a controversial proposal that would make it more difficult for labor unions to use members' dues for political purposes.

Rep. Matt Gaetz, a Republican from Fort Walton Beach, had prepared an amendment to a paycheck-protection bill that would require annual written authorization from employees allowing their union dues to support candidates or causes.

The bill, House Bill 241, passed without the amendment 83-25. Gaetz also filed the union language as an amendment to House Bill 119, which streamlines and clarifies regulations for providers regulated by the Agency for Health Care Administration, but withdrew that amendment as well.

        <Snip>

State and municipal employees, firefighters and police officers packed Capitol meeting rooms and held numerous demonstrations against the legislation. At one point, protestors lined a Senate committee room entryway with tape over their mouths to symbolize the silencing of working people in the political process.
   
(Read more here.)
   

http://duke1.tbo.com/content/2011/apr/29/291644/house-member-trying-to-tack-union-dues-limits-onto/news-breaking/ 

NANNY STATE?: "DO AS WE SAY, NOT AS WE DO...?"

MATT GAETZ TYPICALLY VOTES THE PARTY LINE. IS THIS ANOTHER EXAMPLE OF WHAT HIS PARTY IS ALL ABOUT?

"Drug Testing Bill Targets Florida State Workers, Excludes Lawmakers"

Posted: 02/27/12 02:24 PM ET  |  Updated: 02/27/12 11:45 PM ET

A Florida state lawmaker is pushing a bill requiring state agencies to test their workers for drugs. But the bill wouldn't mandate testing for all public sector employees; members of the Florida legislature would get a pass."Scott last year also pushed the legislature to pass a law requiring that food stamp and emergency cash assistance applicants pass drug tests before receiving benefits. In October, a federal judge temporarily put that requirement on hold, ruling the drug screens were unconstitutional.

<snip>

In light of that case and others, Democrats grilled Smith, who is not a lawyer, about the constitutionality of drug testing government workers. They pointed out that courts, including the U.S. Supreme Court, have ruled such testing is an unconstitutional infringement of the Fourth Amendment protecting citizens from unlawful search and seizure by the government.
(Read more here:)

http://www.huffingtonpost.com/2012/02/27/drug-testing-florida-state-workers-lawmakers_n_1300331.html