the banks destroying america

8/10/2019 The Banks Destroying America

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The BANKS DESTROYING AMERICA

Matt Weidner YouTube Channel, April 12, 2012http://youtu.be/BsLoG4Q8k58

Table of Contents

• Huseby, Inc., transcription. The Banks Destroying America, by Matt Weidner.

Excerpt:

20· · · · · · · · ·But focusing back here on what’s happening21· in foreclosure courtrooms, it’s absolutely mind blowing to22· me to walk into courtrooms, still to this day and see cases23· that are not defended or to see homeowners walking into a24· courtroom, walking into a gorilla battle without an25· attorney representing them. (Page 4)

• U.S. Congressman Elijah E. Cummings, letter February 25, 2011 to IG Steve Linick,

FHFA, requested investigation of widespread allegations of abuse by private attorneys and

law firms hired to process foreclosures, named McCalla Raymer LLC.

• Matthew Decell Weidner, Florida Bar profile.

• Gillespie email January 13, 2013 to Matt Weidner, and his response January 14, 2013;

unsuccessfully requested counsel in Marion Co. foreclosure case 2013-CA-115.

Philadelphia Police Captain Ray Lewis (retired), Occupy.com YouTube.



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·4· · · · · · · ·YOUTUBE TRANSCRIPTION

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·7· · · · · ·THE BANKS DESTROYING AMERICA

·8· · · · · (https://youtu.be/BsLoG4Q8k58)

·9· ·Published April 12, 2012 by: MR. MATT WEIDNER

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YOUTUBE TRANSCRIPTIONBanks Destroying America on 04/12/2012

www.huseby.com Huseby, Inc.· Regional CentersCharlotte ~ Atlanta ~ Washington, DC ~ New York ~ Houston ~ San Francisco

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YOUTUBE TRANSCRIPTIONBanks Destroying America on 04/12/2012 Page 1


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·1· · · · · · · · · THE BANKS DESTROYING AMERICA

·2

·3· · · · · · · · ·MR. WEIDNER:· I’m sitting in the same office

·4· I’ve been sitting in for years doing the same damn thing

·5· I’ve been doing day after day, month after month and year

·6· after year, fighting these banks and institutions that are

·7· destroying this country and as I sit here in the morning, I

·8· sit here all day long, I simply cannot understand why we

·9· don’t have more people in this country who are expressing

10· more outrage and frustration in what these banks and

11· institutions are doing.· They are destroying this country

12· and while they’re busy doing that, you’re just sitting

13· there in your house not doing a damn thing about it.

14· · · · · · · · ·Meanwhile we got this press that isn’t doing

15· a damn thing about reporting what’s happening in this

16· country.· That’s a disturbing phenomenon that the press,

17· the mainstream press in these institutions that are out

18· there reporting this garbage that’s absolute propaganda and

19· lies and the American people are just sucking it in and

20· they’re believing it.

21· · · · · · · · ·You know, I’ve been doing these files you

22· see sitting behind you for years now, running the same

23· motions, running the same arguments over and over again

24· refining them against these corporations, these banks and

25· their lawyers that are nothing but bullies and funds.



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·1· · · · · · · · ·We go into these courtrooms, taking up time

·2· for our Judges, from our staff, from our clerks, when

·3· simply we should not have to.

·4· · · · · · · · ·Early in this debate, we heard all this

·5· arguing about how these deadbeat borrowers taking out more

·6· loans than they should, more loans that were given to

·7· people that couldn’t afford them and people who borrowed

·8· more house than they could ever afford and yet only now are

·9· we starting to understand that it really is the banks and

10· institutions who are the wrongdoers in this because they’re

11· the ones that wrote the loans that they knew could not be

12· repaid and why were they doing that, because they had the

13· full faith and credit of the United States Government in

14· the form of the insurance that backed up those loans.· That

15· went to the federally insured loans for the direct

16· endorsement lenders.

17· · · · · · · · ·Understand what happened here, people, when

18· they wrote those loans, they wrote them knowing that when

19· they went bad, they would be paid by the Federal

20· Government.· That’s you, that’s me, that’s every single one

21· of us.

22· · · · · · · · ·So I don’t want to hear another comment

23· about borrowers and their big loans and loans they couldn’t

24· afford.

25· · · · · · · · ·What I want to hear people start talking



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·1· about is how the banks and institutions are destroying this

·2· country and they’re doing it with the full support of the

·3· Federal Government and the quote, unquote, “leaders” that

·4· are supposed to be looking after the American people.

·5· · · · · · · · ·I want to know why it is our press isn’t

·6· reporting on this and you have to rely on websites, like

·7· Zero Hedge and Naked Capitalism and people like Abigale

·8· Fields and Matt Stoller and Matt Taibbi, a few lone voices

·9· out there in the wilderness who are screaming the truth.

10· · · · · · · · ·Why won’t the American people wake up and

11· finally start doing something about this.

12· · · · · · · · ·We have a campaign for President that is

13· nothing but a farce.

14· · · · · · · · ·As you look in the republican delegate

15· counts and all the scams that’s going on there, it’s clear

16· that they’re being manipulated.

17· · · · · · · · ·The republican voters in their own primaries

18· are being manipulated by a machine that’s stealing the vote

19· and the political will of the American people.

20· · · · · · · · ·But focusing back here on what’s happening

21· in foreclosure courtrooms, it’s absolutely mind blowing to

22· me to walk into courtrooms, still to this day and see cases

23· that are not defended or to see homeowners walking into a

24· courtroom, walking into a gorilla battle without an

25· attorney representing them.



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·1· · · · · · · · ·You simply cannot allow cases to go

·2· undefended.

·3· · · · · · · · ·I don’t care what you think you’re getting

·4· into communicating with the banks.· If you’re still living

·5· in the delusion that you can negotiate with the bank and

·6· they might give you some modification that will make sense

·7· to you, but you’re not actively fighting that foreclosure

·8· case, you’re being part of the problem.

·9· · · · · · · · ·You’re not part of the solution here and

10· there are too many Americans, millions of Americans that

11· are playing into this game and into this system that’s

12· allowing our country to be destroyed.

13· · · · · · · · ·They are working with the banks and

14· institutions and they’re causing more damage in the long

15· run and the most frustrating thing that I see in our

16· courtrooms is the fact that these banks and institutions

17· continue to engage in the same systemic bad practices that

18· got us into this problem in the first place.

19· · · · · · · · ·We’re years into this.

20· · · · · · · · ·The Florida Supreme Court in 2009 recognized

21· the problem.· That means back in 2007/2008, they knew we

22· were heading into this crisis.· They produced rules in 2010

23· that aim to curb the abuses of the banks and institutions.

24· The Verified Complaint Rule that I’ve been screaming about

25· for years now and still to this day, we have banks and



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·1· institutions and their lawyers not complying with this rule

·2· and yet I don’t see any enforcement or any real penalty for

·3· not complying with the rules as a taxpayer.· Forget my role

·4· as an advocate for consumers.· As a taxpayer, it terrifies

·5· me that we have such anarchy and lawlessness in our

·6· courtrooms, systemic tyranny and lawlessness that

·7· encourages further systemic tyranny and lawlessness because

·8· the banks and institutions are able to ignore the rules.

·9· The rules that you and I must follow, otherwise we will

10· face severe consequences.

11· · · · · · · · ·I’ve talked for years and years and years

12· about the fact that these plaintiffs are not properly

13· identifying themselves.

14· · · · · · · · ·I looked back at some of the earliest

15· motions that I filed way, way, way back in 2007 and 2008,

16· where I was screaming about the fact that I don’t know who

17· this plaintiff is that’s suing my homeowner.

18· · · · · · · · ·He didn’t borrow money from this corporation

19· and why is it that this corporation or this trust that I

20· can’t identify is now suing him and wants to throw his

21· family out into the street.

22· · · · · · · · ·How is this possible?· If nothing else,

23· please tell me who this trust is or where this corporation

24· is located so I can verify that they exist.

25· · · · · · · · ·I’m screaming in courtrooms, Your Honor, how



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·1· can you possibly grant a Foreclosure Judgment to the

·2· shadowy and undefined plaintiff that we don’t have any idea

·3· where they’re located in.

·4· · · · · · · · ·The XYZ 2006 Trust.· Tell me a little bit

·5· about that trust, please?· Who owns that trust, who are the

·6· beneficiaries in that trust because you’re going to be

·7· granting a piece of America to this trust.· That’s what

·8· happens in a foreclosure case.

·9· · · · · · · · ·When a final judgment is entered by a

10· Circuit Court Judge, that Circuit Court Judge is giving

11· away a piece of America to whoever that plaintiff is, know

12· if it’s a corporation we can identify, I guess I can live

13· with that.· Even if it’s one of these shadowy corporations,

14· or a nominal plaintiff that doesn’t really own that loan,

15· but that nominal plaintiff is being given the title to that

16· piece of dirt here in America and that’s wrong.

17· · · · · · · · ·Judges should not be granting property in

18· America to corporations unless they can clearly and

19· specifically define and understand who that corporation is.

20· They shouldn’t -- and they must be able to understand who

21· owns that loan, who it is that actually is going to be

22· taking title to that property, to that piece of America and

23· yet all across this country, in this shadowy hidden world

24· of wizards behind the curtain controlling the foreclosure

25· process and taking an interest in these loans.



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·1· · · · · · · · ·We don’t know who it is that’s taking title

·2· to America.

·3· · · · · · · · ·We know now as a result of years of

·4· litigation after this has been hidden from us by these

·5· plaintiffs, we know that the plaintiffs don’t really own

·6· these loans.· They are the bagmen, they are the collection

·7· agents, they are the thugs that are working for undisclosed

·8· principles that are hidden from America, that are hidden

·9· from the Judges that are signing these judgments.

10· · · · · · · · ·It’s time for Americans to wake up.· It’s

11· time for our Judges to start asking questions and demand

12· that we know who it is that’s taking title to America.

13· · · · · · · · ·Now, in most cases we understand now that

14· who’s really taking title to these properties are the

15· Federal Government through their agents, co-conspirators,

16· Fannie and Freddie, but the fact of the matter is, that if

17· Americans understood that what was happening in the vast

18· majority of foreclosure cases, was that effectively the

19· Federal Government was foreclosing upon a citizen that

20· would change the dynamic, but understand that’s what

21· happening here.

22· · · · · · · · ·The Federal Government is foreclosing

23· against Americans.

24· · · · · · · · ·Every lawsuit that’s filed, when Fannie and

25· Freddie are the real party in interest here, is effectively



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·1· being paid for by the American taxpayer.

·2· · · · · · · · ·So that homeowner that’s being sued is being

·3· sued by the Federal Government who’s been collecting money

·4· all along the way in servicing when they made the loan.

·5· When they’re servicing the loan, when they’re modifying the

·6· loan and then now finally when the foreclosure gets

·7· concluded.

·8· · · · · · · · ·Again, I’m getting frustrated and tired

·9· about the fact that Americans are just lying there asleep

10· and letting this happen to all of us.

11· · · · · · · · ·It’s time for Americans to wake up.

12· · · · · · · · ·I don’t want to see another foreclosure case

13· go undefended.

14· · · · · · · · ·There are enough good attorneys out there

15· that are working with Americans.· That every single

16· American should be grabbing an attorney and defending and

17· fighting that foreclosure case.

18· · · · · · · · ·When you get served with a foreclosure case,

19· you treat that as a personal invitation for you to get

20· involved in your court system.· You use this as a

21· personalized, hand-delivered invitation to go inside a

22· courtroom, meet with Judges, meet with the clerks, meet

23· with the sheriffs that are there to protect their legal

24· system and get involved in your legal system.

25· · · · · · · · ·I’m going to keep hounding on one fact and



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·1· that is in this State of Florida, our judicial system’s

·2· grossly underfunded and that’s the fault of you and me and

·3· every single voter that have allowed the Executive Branch

·4· and the Legislative Branch to attack our judicial system.

·5· · · · · · · · ·Just yesterday we heard in Saint Pete Times

·6· that there have been new rules imposed on our elected

·7· Circuit Court Judges that are intended to prevent them from

·8· going in front of you, the voters that support your

·9· communities and speak out against this.

10· · · · · · · · ·That means it’s up to you and me as

11· attorneys in particular, to speak out and defend our

12· judicial system.

13· · · · · · · · ·We have abandoned our judicial system.

14· · · · · · · · ·We’ve abandoned our Court system by not

15· being involved and the banks and institutions have stepped

16· into that void and stepped into that place and they, in

17· fact, have taken over our judicial system, but it’s time

18· for us to get back in there and get more involved.

19· · · · · · · · ·I want every single one of you to get more

20· involved in what’s happening in your courtrooms out of a

21· sense of protection and common duty and honor to this

22· country.

23· · · · · · · · · · · · · ·(CONCLUSION.)

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·1· ·R E P O R T E R 'S· C E R T I F I C A T E

·2· ·I, Scott A. Huseby, Court Reporter,

·3· ·do hereby certify that this transcript

·4· ·is a true and accurate record of the

·5· ·electronically recorded proceedings,

·6· ·transcribed under my direction

·7· ·this the 19th day of October, 2015.

·8

·9

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11· · ________________________________

12· · SCOTT A. HUSEBY

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2006 7:4

2007 6:15

2007/2008

5:21

2008 6:15

2009 5:20

2010 5:22

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abandoned

10:13,14

Abigale 4:7

absolute

2:18

absolutely

4:21

abuses 5:23actively 5:7

advocate 6:4

afford 3:7,

8,24

agents 8:7,

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aim 5:23

allowed 10:3

allowing

5:12

America 2:1

7:7,11,16,

18,22 8:2,

8,12

American

2:19 4:4, 10,19 9:1,

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Americans

8:10,17,23

9:9,11,15

anarchy 6:5

arguing 3:5

arguments2:23

asleep 9:9

attack 10:4

attorney

4:25 9:16

attorneys

9:14 10:11

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back 4:20

5:21 6:14,

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backed 3:14

bad 3:19

5:17 bagmen 8:6

bank 5:5

banks 2:1,6,

10,24 3:9

4:1 5:4,

13,16,23,

25 6:8

10:15

battle 4:24 believing

2:20

beneficiaries

7:6

big 3:23

bit 7:4

blowing 4:21

borrow 6:18

borrowed 3:7

borrowers

3:5,23

Branch 10:3,

4

bullies 2:25

busy 2:12

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campaign

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can’t 6:20

Capitalism

4:7

care 5:3

case 7:8

9:12,17,18

cases 4:22

5:1 8:13,

18

causing 5:14

change 8:20

Circuit 7:10

10:7

citizen 8:19

clear 4:15

clerks 3:2

9:22

co-

conspirators

8:15

collecting

9:3

collection

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comment 3:22

common 10:21

communicating

5:4

communities

10:9

Complaint

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complying

6:1,3

concluded

9:7

CONCLUSION

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YOUTUBE TRANSCRIPTIONBanks Destroying America on 04/12/2012·Index: 2006..CONCLUSION


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consequences

6:10

consumers

6:4

continue5:17

controlling

7:24

corporation

6:18,19,23

7:12,19

corporations

2:24 7:13, 18

couldn’t

3:7,23

country 2:7,

9,11,16

4:2 5:12

7:23 10:22

counts 4:15

court 5:20

7:10 9:20

10:7,14

courtroom

4:24 9:22

courtrooms

3:1 4:21,

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10:20

credit 3:13

crisis 5:22

curb 5:23

curtain 7:24

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damage 5:14

damn 2:4,

13,15

day 2:5,8

4:22 5:25

deadbeat 3:5

debate 3:4

defend 10:11

defended

4:23

defending

9:16

define 7:19

delegate

4:14

delusion 5:5

demand 8:11

destroyed

5:12

destroying

2:1,7,11

4:1

didn’t 6:18

direct 3:15

dirt 7:16

disturbing

2:16

doesn’t 7:14

don’t 2:9

3:22 5:3

6:2,16 7:2

8:1,5 9:12duty 10:21

dynamic 8:20

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earliest

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Early 3:4

effectively

8:18,25

elected 10:6

encourages

6:7

endorsement

3:16

enforcement

6:2

engage 5:17

entered 7:9

Executive

10:3

exist 6:24

expressing2:9

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face 6:10

fact 5:16

6:12, 8:16

9:9,25

10:17

faith 3:13family 6:21

Fannie 8:16,

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farce 4:13

fault 10:2

Federal 3:19

4:3 8:15,

19,22 9:3

federally

3:15

Fields 4:8

fighting 2:6

5:7 9:17

filed 6:15

8:24

files 2:21

final 7:9

finally 4:11

9:6

Florida 5:20

10:1

focusing

4:20

follow 6:9

foreclosing

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YOUTUBE TRANSCRIPTIONBanks Destroying America on 04/12/2012·Index: consequences..foreclosing


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foreclosure

4:21 5:7

7:1,8,24

8:18 9:6,

12,17,18

Forget 6:3

form 3:14

Freddie

8:16,25

front 10:8

frustrated

9:8

frustrating

5:15

frustration

2:10

full 3:13

4:2

funds 2:25

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game 5:11

garbage 2:18

give 5:6

giving 7:10

good 9:14

gorilla 4:24

Government

3:13,20

4:3 8:15,

19,22 9:3

grabbing

9:16

grant 7:1

granting

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grossly 10:2

guess 7:12

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hand-delivered

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happen 9:10

happened

3:17

happening

2:15 4:20

8:17,21

10:20

heading 5:22

hear 3:22,

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heard 3:4

10:5

Hedge 4:7

hidden 7:23

8:4,8

homeowner

6:17 9:2

homeowners

4:23

honor 6:25

10:21

hounding

9:25

house 2:13

3:8

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idea 7:2

identify

6:20 7:12

identifying

6:13

ignore 6:8

imposed 10:6

inside 9:21

institutions

2:6,11,17

3:10 4:1

5:14,16,23

6:1,8

10:15

insurance

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insured 3:15

intended

10:7

interest

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invitation9:19,21

involved

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isn’t 2:14

4:5

it’s 4:15,

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I’m 2:3

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I’ve 2:4,5,

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6:11

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Judge 7:10

Judges 3:2

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judgment7:1,9

judgments

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judicial

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knew 3:11

5:21

knowing 3:18

YOUTUBE TRANSCRIPTIONBanks Destroying America on 04/12/2012 ·Index: foreclosure..knowing


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lawlessness

6:5,6,7

lawsuit 8:24

lawyers 2:25

6:1

leaders 4:3

legal 9:23,

24

Legislative

10:4

lenders 3:16

letting 9:10

lies 2:19

litigation

8:4

live 7:12

living 5:4

loan 7:14,

21 9:4,5,6

loans 3:6,

11,14,15,

18,23 7:25

8:6

located 6:24

7:3

lone 4:8

long 2:8

5:14

looked 6:14

lying 9:9

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machine 4:18

made 9:4

mainstream

2:17

majority

8:18

make 5:6

manipulated

4:16,18

Matt 4:8

matter 8:16

means 5:21

10:10

meet 9:22

millions

5:10

mind 4:21

modification

5:6

modifying

9:5

money 6:18

9:3

month 2:5

morning 2:7

motions 2:23

6:15

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Naked 4:7

negotiate

5:5

nominal

7:14,15

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office 2:3

outrage 2:10

owns 7:5,21

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paid 3:19

9:1

part 5:8,9

party 8:25

penalty 6:2

people 2:9,

19 3:7,17,

25 4:4,7,

10,19

personal

9:19

personalized

9:21

Pete 10:5

phenomenon

2:16

piece 7:7,

11,16,22

place 5:18

10:16

plaintiff

6:17 7:2, 11,14,15

plaintiffs

6:12 8:5

playing 5:11

political

4:19

possibly 7:1

practices

5:17

President

4:12

press 2:14,

16,17 4:5

prevent 10:7

primaries4:17

principles

8:8

problem 5:8,

18,21

process 7:25

produced

5:22

propaganda

2:18

properly

6:12

YOUTUBE TRANSCRIPTIONBanks Destroying America on 04/12/2012 ·Index: lawlessness..properly


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properties

8:14

property

7:17,22

protect 9:23

protection

10:21

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questions

8:11

quote 4:3

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real 6:2

8:25

recognized

5:20

refining

2:24

rely 4:6

repaid 3:12

reporting

2:15,18

4:6

representing

4:25

republican

4:14,17

result 8:3

role 6:3

rule 5:24

6:1

rules 5:22

6:3,8,9

10:6run 5:15

running

2:22,23

S

Saint 10:5

scams 4:15

screaming

4:9 5:24

6:16,25

sense 5:6

10:21

served 9:18

servicing

9:4,5

severe 6:10

shadowy 7:2,

13,23

sheriffs

9:23

shouldn’t

7:20

signing 8:9

simply 2:8

3:3 5:1

single 3:20

9:15 10:3,

19

sit 2:7,8

sitting 2:3,

4,12,22

solution 5:9

speak 10:9,

11

specifically

7:19

staff 3:2

start 3:25

8:11starting 3:9

State 10:1

States 3:13

stealing

4:18

stepped

10:15,16

Stoller 4:8

street 6:21

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L A W R E N C E

J .

B R A D Y

S T A F F D I R E C T O R

February 25, 2011

The Honorable Steve

A. Linick

Inspector General

Federal Housing Finance Agency

1625 Eye Street, NW

Washington, DC 20006

Dear

M r .

Inspector General:

am

wri t ing

to request that you initiate an investigation into widespread allegations of

abuse by private attorneys and law

f i rms

hired to

process

foreclosures as part of the Retained

Attorney Network

established by Fannie Mae. I also request that you examine allegations of

abusive behavior on the part of

default

management

firms engaged

by both mortgage servicers

managing Fannie Mae-backed loans and attorneys and firms that are part of the Retained

Attorney Network.

Finally,

I request that you examine efforts by Fannie Mae and the Federal

Housing Finance Agency

(FHFA)

to investigate these allegations and implement corrective

action.

In

August 2008, Fannie Mae created a new mandatory network of retained attorneys to

handle all foreclosure and bankruptcy matters relating to Fannie Mae mortgage loans, whether

held in

po r t fol io

or mortgage-backed securities. Fannie Mae required that

only these

retained

attorneys represent Fannie Mae mortgage servicers, and it established the maximum allowable

reimbursable

fees

for foreclosure-related work.

1

In December 2010, Fannie Mae Executive Vice

President Terence Edwards announced that the Retained

Attorney Network would

be expanded

f rom

31 to 50 states.

2

Fannie Mae, ew

Foreclosure

and

Bankrup tcy ttorney Network

and

Attorney s

Fees

and Costs (Announcement

08-19)

Aug.

6, 2008) (online at https://www.efanniemae.com

/sf/guides/ssg/annltrs/pdf/2008/0819.pdf)

(requiring

also that

requests

for approval of excess

fees

by Fannie Mae must be submitted via

email ).

2

Testimony of Terence Edwards, Executive Vice President, Credit Portfolio

Management, Fannie Mae, before the U.S. Senate Committee on

Banking,

Housing and Urban

Affai r s

(Dec. 1, 2010) (online at www.fanniemae.com/media/pdf/Edwards_

SenateBankingCommitteel 2-1-10.pdf).

llegations of buse in the Retained ttorney Network



The Honorable

Steve

A .

Linick

Page

2

Recent reports indicate that many of

the private

attorneys, law

firms,

and other entities

participating

in the Retained

Attorney Network

have been

accused

of practices that are fraught

with flaws, errors, conflicts of interest, and fraud, and these allegations

have

prompted numerous

state and federal investigations.

For

example, on August

10,

2010, the

Florida

State

Attorney

General announced an

investigation into unfair and deceptive practices by the Law

Offices

of

David

J. Stern, P. A . , the

Law Offices

of

Marshall

C. Watson, P.A., and Shapiro & Fishman,

L.L.P.

The allegations

against the

firms

include creating and

filing wi th Florida

courts improper documentation to

speed

foreclosures and establishing affiliated companies outside the United States to

prepare

false

documents.

3

In announcing this investigation, the Attorney General stated:

On

numerous occasions, allegedly fabricated documents

have been

presented to

the courts in foreclosure actions to obtain

final

judgments against homeowners.

Thousands of

final

judgments of foreclosure against

Florida

homeowners may

have been

the result of allegedly improper actions of the law

firms

under

investigation.

4

Former employees of the Stern law firm also reportedly alleged that the firm

engaged

in

robo-signing, a practice in

which

employees signed hundreds of foreclosure

affidavits

each

day, falsely swearing to

have

personal knowledge of

the underlying

documents. One employee

testified

that the

firm's

chief

operating

officer

signed as many as 1,000 foreclosure

affidavits

a

day without reading a single

word.

5

The employees also reported that the firm backdated and

altered documents, and that it took steps to cover its misconduct by changing the dates on

hundreds of

documents.

6

Last

November, Fannie Mae issued a public notice stating that it had terminated its

relationship

wi th the Law

Offices

of

David

J. Stern and

informing

servicers that they may not

refer any future Fannie Mae matters to the Stern firm.

7

Separately, the U.S. Trustee Program (USTP) of the Department o f Justice is

investigating another

firm

in the Retained

Attorney Network,

the

firm

of Steven J. Baum, P.C. of

Amherst,

New

York ,

for

filing

foreclosure documents that

appear

to be false or misleading;

p

Attorney General of Florida, Press Release: Florida Law Firms Subpoenaed Over

Foreclosure Filing Practices

(Aug.

10, 2010) (online at www.myfloridalegal.com/newsrel.nsf/

newsreleases/2BAClAF2A61BBA398525777B0051BB30).

id.

5

The

Rise

and

Fall of a Foreclosure King,

Associated Press (Feb. 6,

2011).

6

Questions Rising Over Fannie

and

Freddie s Oversight of Foreclosures, New

York

Times (Oct. 19, 2010);

The

Foreclosure Machine, New

York

Times (Mar. 20, 2008).

Fannie Mae, Servicing Notice: Termination of Relationship with the Stern Law Firm

(Nov.

10, 2010) (online

atwww.efanniemae.com/sf/guides/ssg/annltrs/

pdf/2010/ntcel 11010.pdf).



The Honorable

Steve

A.

Linick

Page

3

attempting

to foreclose on borrowers after rejecting their attempts to make on-time payments;

and

fai l ing

to prove ownership of mortgages as it seized homes. The

firm

has also

been

accused

of illegally

charging for foreclosure-settlement conferences, overcharging on foreclosure

fees,

and racketeering.

8

Another firm

in the Retained

Attorney Network, McCalla

Raymer, L .L .C . , is a defendant

in a federal lawsuit in

which

the

plaintiffs

allege that it

engaged

in

fraud,

racketeering, and the

manufacture of

fraudulent

foreclosure documents. Reportedly, this

firm

established operations

in

Florida under the

name

Stone, McGehee & Silver and hired ten former Stern law

firm

employees.

9

The firm Stone, McGehee and Silver, LLC , dba McCalla Raymer currently appears

as a Designated Counsel/Trustee in Florida for Freddie

Mac.

1 0

Lender Processing Services, Inc. (LPS), a $2.8 bil l ion company headquartered in

Jacksonville, Florida—and

the largest provider of

default

loan services in the

nation—is

also

under investigation by the Florida Attorney General for producing apparently forged or

fabricated documents in foreclosure actions.

11

LPS is also a defendant in a federal suit alleging

an

illegal

fee-sharing

scheme.

Filed

in federal bankruptcy court in

Mississippi,

the suit alleges

that LPS and another company, Prommis Solutions

Holding

Company, illegally required

attorneys in their networks to

turn

over a

portion

of their

fees

for foreclosure services, and that

another large law

firm,

Johnson & Freedman,

L .L .C . ,

jo ined in this

scheme.

The Chapter

13

Trustee for the Northern

District

of Mississippi, a

unit

of the Department of Justice, has joined as

a

p l a i n t i f f .

1 2

A special investigation by Reuters last December reported that LPS and its

affiliated

companies also allegedly deployed

low-skilled,

non-lawyers to

prepare

foreclosure documents,

created

invalid

mortgage

assignments

to

facilitate

foreclosures, and rewarded attorneys for

speed

rather than accuracy in

filing

court pleadings.

Reuters

reported:

* See

Federal Home Loan Mortgage Corp. v. Raia, SP 002253/10,

District

Court of

Nassau

County, New

York

(Hempstead); Campbell v. Baum, 10-cv-3800, U.S.

District

Court,

Eastern

District

of

New

York

(Brooklyn);

Menashe v. Steven J. Baum P.C, 10-cv-5155, U.S.

District

Court, Eastern

District

o f New

York

(Central Islip); and Baum v. Lask, 2010- 012048,

New

York

Supreme Court, Erie County (Buffalo) .

9

Novice Florida Lawyers Draw Suspicion in Foreclosure Mess,

Palm Beach

Post

(Jan.

13, 2011) (online at www.palmbeachpost.com/money/real-estate/novice-florida-lawyers-draw-

suspicion-in-foreclosure-mess-1146402.html).

Freddie Mac,

Guide Exhibit 79: Designated Counsel/Trustee

(Florida) (revised 2/8/11)

(online

at

www.freddiemac.com/service/msp/exh79_fl.html).

Office

of the Attorney General of Florida, Case Number L10-3-1094 (online at

http://myfloridalegal.eom/__85256309005085AB.nsf/0/9B099A9DD32030BE8525771300426A

68?Open&Highlight=0,lps).

19 »

Thorne v. Prommis Solutions

Holding

Corp. et

al..

Second Amended Class

Act ion

Complaint,

10-01172 (BRN.D.M.S.,

Oct. 10, 2010).



The Honorable Steve

A . Linick

Page 4

The

law firms are on a stopwatch. [An LPS spokesman] confirmed that the LPS Desktop

system automatically times how long each f i rm takes to complete a task. It assigns

firms

that turn out

work

the fastest a green rating; slower ones

yellow

and red for those

that take the longest. Court records show that green ratings go to

firms

that

jump

on

offered

assignments f rom their LPS computer

screens

and almost

instantly

turn

out ready-

to-fi le court pleadings, often using teams of low-skilled clerical workers wi th

little

oversight

f rom

the lawyers.

13

Although

Fannie Mae terminated its relationship wi th the Stern law f i rm last November,

it does not appear to have terminated its relationships wi th any of the other firms described

above.

14

Request for nvestigation

These are serious allegations that may have affected thousands o f homeowners. For these

reasons,

I request that your

office

initiate

a comprehensive

investigation

into

allegations of

abuse

by

attorneys and law

firms participating

in the Retained

Attorney Network,

as

wel l

as servicers

and default loan service providers alleged to have participated in these abuses.

It is my understanding that the mission of your

office

is to promote the economy,

efficiency, and effectiveness of the FHFA 's programs; to

assist FHFA

in the performance of its

mission; to prevent and detect

fraud,

waste, and

abuse

in

FHFA's

programs; and to seek

sanctions and prosecutions against those who are responsible for such fraud, waste, and

abuse.

15

In 2008,

FHFA

replaced the Office of Federal Housing Enterprise Oversight and became the

regulator and conservator for Fannie Mae. As such, the agency's duties include overseeing the

prudential operations of Fannie Mae and its contractors and ensuring that their activities and

operations are consistent wi th the

public

interest.

16

With this background, I request that you address the fol lowing issues wi th respect to

attorneys and law

firms participating

in the Retained Attorney Network program and with

respect to other entities engaged by both mortgage servicers managing Fannie Mae-backed loans

and attorneys and

firms

that are part of

the

Retained

Attorney Network:

1.

To what extent have homeowners lost their homes to improper,

il legal,

or otherwise

invalid

foreclosures as a result of the types of

abuses

described above?

13

Id

4

Fannie Mae, Retained Attorney List (effective February 10,

2011)

(online at

https://www.efanniemae.com/sf/technology/servinvreport/amn7pdf/retainedattorneylist.pdf).

5

Website of

the

Federal Housing Finance Administration

Office

of Inspector General

(accessed on Feb. 3,

2011)

(online at www.fhfaoig.gov/).

6

Section 1313(a)(l)(A)-(B), Housing and Economic Recovery Act of 2008 (P.L. 110-

289).



The Honorable

Steve

A . Linick

Page

5

2.

To what extent

have

homeowners

been

charged improper,

il legal,

or otherwise

invalid

fees

during the foreclosure process?

3. To what extent are attorneys, law

firms,

and other entities

engaged

in

fee-splitting,

kickbacks, or other similar

schemes?

4.

What is the total amount in

excess fees

that has

been

requested

f rom

Fannie Mae by

attorneys and law firms? Of

this

amount, how much has

been

reimbursed, and how much

has

been

determined to be inappropriate or unwarranted?

5. Have

FHFA

or Fannie Mae conducted investigations into allegations of

abuse

by

attorneys, law firms, or other entities, and i so, what are the

results?

Were these

allegations considered before the recent expansion of the Retained

Attorney

Network to

al l 50 states?

6. What specific

information

has been collected regarding allegations against the fol lowing

firms

and their

affiliates?

a.

Law Offices

of

David

J. Stern, P.A.

b.

Law

Offices

of

Marshall

C. Watson, P.A.

c.

Shapiro & Fishman,

L.L.P.

d.

Steven J. Baum, P.C.

e.

McCalla

Raymer,

L.L.C.

f.

Johnson & Freedman, L.L.C.

g-

Prommis Solutions

Holding

Company

h. Lender Processing Services, Inc. and LPS Default Solutions,

L.L.C

7. Have there

been

claims alleging that other attorneys or law

firms

participating in the

Retained

Attorney

Network program or any default management

firms

managing the

foreclosure of Fannie Mae-backed loans

have engaged

in similar conduct that violates the

rights of borrowers or investors, federal or state foreclosure

mitigation

program

guidelines, federal or state law, federal or state

judicial

requirements, state bar ethics

requirements, or other regulations, rules, guidelines, or laws?

8. To what extent

have

the alleged abuses described above undermined loss and foreclosure

mitigation

efforts and outcomes? What responsibilities do loan servicers

have

in

monitoring and overseeing the activities of attorneys and other

third

party companies?

What

are the levels of cure rate and loss

mitigation

activities among retained attorneys?



The Honorable Steve A. inick

Page 6

you

have

any questions about this request

please have

a member of your staff contact

Lucinda

Lessley ofthe committee

staff

at 202-225-4290.

Thank you for your consideration and

please

feel free to contact me or my staff with any

questions.

Sincerely

cc:

The Honorable Darrell E. Issa Chairman



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Neil Gillespie

From: "Neil Gillespie" <[email protected]>To: "Matt Weidner" <[email protected]>Cc: "Mark Gillespie" <[email protected]>Sent: Tuesday, January 15, 2013 8:32 PMSubject: Re: foreclosure lawsuit served

Page 1 of 1

12/14/2014

Matt,

No problem about this week. We have until Friday, February 1, 2013 to respond. I have been unable tofind anyone else. I can answer on my own, but need to discuss my response with you or someone who isfamiliar with foreclosures.

Neil Gillespie

----- Original Message -----From: Matt Weidner To: Neil Gillespie Sent: Monday, January 14, 2013 9:33 AMSubject: Re: foreclosure lawsuit served

I am swamped and out of town this week, i recommend that you answer on your own if you do notfind someone else....

stay in touch though.

On Sun, Jan 13, 2013 at 2:40 AM, Neil Gillespie <[email protected]> wrote:

Matt,

Attached is a foreclosure lawsuit that was served on me Saturday January 13, 2013. Can you

represent me? Otherwise my plan is to respond pro se, and argue as alleged in my HUD complaintfrom August 2012, and perhaps make a counterclaim under federal law and remove to federal court.

I was also served in my capacity as co-trustee, with my brother Mark Gillespie. Below is a link tothe court docket page, showing a commercial foreclosure, but I could not find either the trust or my brother listed as defendants.

http://casesearch.marioncountyclerk.org/index.cfm?FuseAction=Home.CaseAct&CFID=2466234&CFTOKEN=60932241

BTW, I applied for the Independent Foreclosure Review, and got a letter of acknowledgment, but

from what I read on your webiste and elsewhere, that review program has been closed down.

As for the Consumer Financial Protection Bureau, the case status is unchanged since December 2,2012. Thanks.

Neil Gillespie8092 SW 115th LoopOcala, FL 34481(352) 854-7807



The Government is Corrupt - Corporations are Corrupt

Major Changes Need to be Made - http://youtu.be/jv_CcmRZ7zc

An Occupy.com Profile: Captain Ray Lewis

http://youtu.be/jv_CcmRZ7zc

YouTube free transcript (partially corrected). Free transcripts are found on the YouTube video

page, under “more”. Free transcripts may require correcting.

0:00 my name is Ray Louis I’m a retired 0:03 Philadelphia Police Captain. I spent

0:06 close to 24 years with the

0:09 Police Department. I found out about the movement on the Internet

0:14 really peaked my interest the more I read about it the more I became

0:18 convinced that this movement was

0:20 very important movement and I could contributed this is a corrupt system

0:25 the government is corrupt corporations are corrupt and there's

0:28 major changes need to be made I

0:31 on November seventeenth I was down there supporting

0:36 the protest watching these young people

0:39 get arrest so overwhelmed me so inspired me0:44 that I made the most spontaneous decision my life

0:51 I want you to arrest me.

0:59 I've heard just a tremendous raise

1:03 in the volume it was cheers and cheers and it literally

1:07 gave me goose bumps it was like validation

1:11 here's a law enforcement officer and he's saying what we're about is

1:15 right walking across the intersection

1:19 handcuffed was the proudest moment of my life

the banks destroying america

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