WILLIAM ERBEY AND OCWEN: FACES OF EVIL IN FRAUDULENT MORTGAGE FORECLOSURE

Reposted from Foreclosure Fraud Answers.

“I hung up. It was a good start, but it didn’t go far enough. I ought to have locked the door and hidden under the desk."          ― Raymond Chandler, The Little Sister

"Huh"?

Danny Hammond at his desk in the puzzled room office

HUBZU REAL ESTATE IS OWNED BY ONE OR MORE 

OF THE MANY OCWENS:  

                                          BE AFRAID; YES BE VERY AFRAID!

WOULD YOU LIKE A FREE ASSESSMENT

OF YOUR FORECLOSURE CASE? 

FILL OUT THE FORM CLICK THIS LINE

Ocwen is a name that not many Borrowers were familiar with just a few years ago. But in the last few years, Ocwen is servicing loans and wrongfully foreclosing more than any other entity.  Lots of Borrowers are familiar with the name now.  Most of them know that if Ocwen is involved that unless you get familiar with them fast, you will no doubt lose your home.

Hubzu is not a typical Real Estate Sales company.  It is a Dark Participant of a "Racketeering Enterprise". 

(definition: RACKETEERING INFLUENCED CORRUPT ORGANIZATIONS ACT Known as "RICO".)

That is the "FBI-speak" for Mafia Style Gangster Activity.  Hubzu is not registered with the Missouri Real Estate Commission.

A Mr. Tim Litchford, claiming to be a national real estate broker (there, of course, no such license) or at least he seems to be in charge of fencing stolen homes as part of a scheme or artifice.  "Artifice": legal term; clever or cunning devices or expedients, especially as used to trick or deceive others, artifice and outright fakery

SYNONYMS: trickery, deceit, deception, duplicity, guile, cunning, artfulness, wiliness, craftiness, slyness, chicanery, fraud, fraudulence.

"In the FORECLOSURE FRAUD trade, an artifice is an asset"

Anyway, Mr. Tim Litchford states on kind of a secret looking Hubzu website that Hubzu (and Mr. Tim Litchford?) has a National Real Estate License.  There is no contact information on the Hubzu website.  I have been a real estate broker and a mortgage broker in three states for over 20 years.  This is the first that I have heard about the National Real Estate Licensing claimed on the website with no contact information.

Mr. Tim Litchford even posted his National Real Estate License number as BR-549.  (No not really that was just a bad Hee Haw joke).

I will be checking with the Missouri Real Estate Commission about the National Real Estate License and post the answer here soon.

HUBZU is owned by Ocwen which is owned by William Erbey, who you probably never heard of, but he has stolen more homes with fraudulent mortgage loan paper than anyone else in America.  I am seriously talking about millions of American families displaced forcibly from their homes by a government of despots.  It sounds like a 3rd World civil war, doesn't it?

Are you being threatened with foreclosure sales?  How about your friends? Have you already been foreclosed?  Well, Hubzu is the cheap outfit that is going to sell your home to some strangers that are only concerned with purchasing a steal because of your misfortune.

THE GOOD NEWS IS THAT THIS ALL MAKES IT EASIER TO SAVE YOUR HOME OR GET YOUR HOME BACK IF YOU WANT TO!  

If you see or hear that Ocwen is your "Servicer" or that Hubzu has listed your home for sale, then ask me Questions Now HERE.   That really sucks, doesn’t it?  Do you believe there is nothing you can do about it?  Have you tried your whole life to do the right thing, but now you are going to lose the largest and most magnificent thing that you will ever own, your home? The American Dream?

Well, almost all of the above is a trick.  A trick upon you and more than ten million other uninformed Americans.  You see Hubzu was created by the worst gangster (I’ll explain in a minute) company of the wrongful foreclosure of innocent borrowers fiasco that some media dopes call the "MORTGAGE CRISIS of 2008".  (More properly named the Mortgage Crisis of 1995 thru 2016).  What is the name of this “Satan incarnate” company?  There is lots more.  

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Jeffrey Stephan 2nd Deposition: How Do You Confess To 10,000 Foreclosure Forgeries Per Month and No One Goes To Jail? Why Doesn't The American Public Know? These Are Well-Published Facts.

"If there must be trouble, let it be in my day, that my child may have peace".   

                         December 19, 1776, Thomas Paine, The American Crisis, ...

by Danny Hammond

I am not posting the 2nd deposition of the most notorious Robo-Signor of them because you will learn

something new.

It is because you won't. Jeffrey Stephan describes in tortured detail the forging of fake assignments of

American families loans at a rate of 10,000 counterfeited and forged assignments and Promissory Notesper month by ten GMAC Mortgage Corp and GMAC Mortgage, LLC employees in one group.

We all knew this in 2012. It was out in broad daylight. You had to be wearing dark sunglasses to see it

comfortably. But, it was very, very, hard to miss. The problem was we could find no honest attorneys

and we didn't have quite enough procedural prowess to use it right.

This is 2023, we have that ability now. And there are more of us trying to work together.

The GMAC Mortgage, LLC attorney, Frank Lipsman of Kansas City, is doing everything he can to steal my

families home in a federal court case had to admit in Discovery that Jeffrey Stephan worked for six more

years for GMAC Mortgage, LLC, before going to work for Ocwen Loan Servicing an even more damaging

racketeering heir to the mountain of GMAC faked paper of tens of millions of loans.  

This was all approved by the 2nd District Federal Bankruptcy Court Judge Glenn. It is all public record.

(I could not make this stuff up: See my post archives for the Ocwen story)

But now on to the 2nd Jeffrey Stephan deposition which took place in the state of Maine

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The King of Robo Signing Jeffrey Stephan's 1st Deposition As An Employee of GMAC Mortgage, LLC (or similarly named entities), Robo-Signing, 60 minutes, ROBO-SIGNING, 60 MINUTES, Tens of Millions of Stolen Homes, And No One In Govt or The Judiciary Saw a Thing.

"Venal and evil men are destroying the world you were born in. It's us against them, my good friend. Don't compromise your principle  or abandon your cause." 

                                                                                             

Major General John Bell Hood CSA

I am as frustrated right now as I have ever been during the 12 years that I have been fighting

mortgage fraud.  In the movie "The Big Short" towards the end one of the Wall Street characters

is frustrated that a group of them has figured out how massive the fraud in mortgages has been. 

They even know who the worst perpetrators are beginning with Fannie Mae and working down through Citi Mortgage and the rest.  They have gone to all the big newspapers to blow the whistle just knowing in their minds and hearts that this is a near apocalypse and the biggest story in history.  Not one newspaper editor or reporter will give them the time of day.

1.  Because a fraud this large was too big to believe and 

2.  The newspapers' biggest stock owners were the same criminals running the fraud.

As they are walking back toward their office one of them muses, "I was afraid we were going to ceate panic in the streets.  I was sure that once people knew that their retirement plans had been ransacked by their own government and banking industry that we would have an actual revolution, an uprising by all Americans.  But look at them walking on along the street completely unaware and without enough background information to even get an inkling of what's going on.  And it's not their fault, they shouldn't have to worry about their lives being destroyed from within."

That's how I feel.  There are a scattered few around the country screaming their lungs out in warning, but the message isn't getting through.

I need to let one of the dupe perpetrators explain it to you himself.  What could be more powerful?

My 2nd most popular posting of all time on this blog is the one about GMAC/ResCap fraudulent bankruptcy where literally millions of homes are being taken from families by players like Fannie Mae (thank you US government), Ocwen, Nationstar, Green Tree, Seterus without any ties to the players they are stealing from.

Continue Reading

MORTGAGE FRAUD: It Is A Straight Line! Your Entire Fraudulent Foreclosure Case Is Based On A Straight Line With No Gaps. But In Today's Corrupted System There Are Always Unexplainable Gaps.

If you fall during your life, it doesn't matter. You're never a failure as long as you try to get up. 

                                                                                                                          Evel Knievel

                           

Republished by Danny Hammond

I have read and I still read many messages from Borrowers

who are looking for help against mortgage fraud and wrongful foreclosure involving their homes.  Lately, I have run into

several Facebook Groups that exist for their members to collaborate and share their own searches on the internet

and strategies that they have heard about or read about.

There are some issues with this that are causing them to

get overwhelmed and stuck.  I know a lot about this.  

Not because I am so smart, but because I have gotten overwhelmed and stuck.

It was easier for me to overcome because I learned about the Chain of Title of records

recorded against the property that houses sit on starting at 12 years old with my Dad.  Most

people never really deal with it more than once or twice in their lives.

Everything in life has a straight line.  A beginning and the middle and the end.  They never

change positions.  In real estate, the straight line is usually more obvious than say a drive

across the country.

CONTINUE READING

From "The Pro Se Series" by Danny Hammond: LET'S ALL JUST TAKE THREE STEPS BACK FROM CRAZY! THAT IS RULE #1-- WHEN FIGHTING MORTGAGE FRAUD:

Heirs of a cold war,  that's what we've become

Inheriting troubles,  I'm mentally numb
Crazy, I just cannot bear,  That I'm living with something that just isn't fair
Mental wounds not healing.....Who and what's to blame

I'm goin' off the rails on a crazy train,  I'm goin' off the rails on a crazy train

                                                                                                                      Ozzy Osborne

THERE IS NO SUCH THING AS THE:

 "ASSIGNMENT OF YOUR MORTGAGE",

EVEN THOUGH IT HAS BEEN USED ILLEGALLY

20 MILLION TIMES IN 15 YEARS

Republished by Danny Hammond

mtgfrd.info@gmail.com

The Supreme Court settled the matter of assigning a mortgage or deed of trust in 1872. You can't assign those instruments.  The case is CARPENTER V LONGAN AND THE CASE IS IN THIS ARTICLE JUST BELOW. 

Find out why any assignment of the security agreement is void.  Keep reading.


I have reviewed hundreds, possibly thousands of home loan paperwork preceding a fraudulent foreclosure.   I have read about many more.  I have never seen any deal where the foreclosing party was not relying on an assignment of the security instrument.  

IN THE 26 STATES THAT USE NON-JUDICIAL FORECLOSURE THE  MORTGAGE IS CALLED A DEED OF TRUST.  THE WORD MORTGAGE IS RARELY SPOKEN IN THESE STATES.

In Judicial foreclosure states, the assignment of the security instrument involves what is called a mortgage.  A mortgage is not a home loan.  It is merely the rule book concerning the collateral you put up to ensure that the bank will be paid back.  

A mortgage has no value and the assignment of a mortgage does NOT transfer your home loan from one party to another.  In the Non-Judicial States, the security instrument is called a Deed of Trust which serves the same purpose as a mortgage.  There is no such thing as "the assignment of a mortgage or a deed of trust.  The mortgage or deed of trust exists only as part of the loan agreement and it is incidental.  The security instrument is known as the incidental instrument (there are no laws that require collateral for a loan at all.)  

Your house is the usual collateral involving a home loan because that is where the loan money was spent.  But, collateral could also consist of one thousand Schwinn bicycles in a warehouse.  It is my strong personal belief that all (ALL) of the foreclosures in the United States from about the year 2000, or earlier, are based on the exact (EXACT) same lie.  What is that lie?

CARPENTER V LONGAN (SUPREME COURT 1872)  THE ENTIRE RULING IS NEXT

CONTINUE READING

You are reading this article on the Foreclosure Solutions Group website. Go to the website CLICK THIS LINE

MORTGAGE FRAUD: THERE IS NO MAGIC BULLET, TRICKY ANGLE, NOR AN "AHA!" MOMENT. THE REMEDY WAS EMBEDDED IN THE CONSTITUTION BY THE BRILLIANT ANCIENTS

"The essence of Government is power; and power, lodged as it must be in human hands, will ever be liable to abuse." 

                        James Madison

by Danny Hammond

I just got an email from a reader who was asking me once again, to tell him the best way to prove that a foreclosing party was not a "party in interest".  I am working on turning in a federal lawsuit against a federal lawsuit next week.  I have answered this question a thousand times (gross exaggeration).  The answer is always the same.  A borrower never has the burden of proof.  It is the foreclosing party and the judge of the court that have that burden.  Borrowers don't try to find your Promissory Note, it is the foreclosing party that does not have that note.  Why would you help them?  Make the court run the case as was directed in Article III of the constitution. That answer can be found in multiple places in this blog.  But, I had a different answer to the problem.  Read it below.

Richard, I have been preaching the same thing for a year and a half.  The laws cannot vary from state to state. The vast majority of judges are not even aware of the laws that remove their immunity due to actions of their own.  

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