Foreclosure Hamlet

Supporting, Informing & Connecting People in Foreclosure

ISO Signers

Hook up with others who have the same signatories transferring your home from one financial entity to another or testifying to facts of your alleged loan or testifying to owed attorneys fees or answering interrogatories, providing facts regarding the foreclosure of your home, etc, etc, etc.

The individuals named below are not accused of wrong-doing or fraudulent activity or criminal fabrication of any sort.


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Comment by Shelley Erickson on August 24, 2011 at 2:36am

promissory mortgages included are time barred after three years in Delaware:    § 2-725. Statute of limitations in contracts for sale.

(1) An action for breach of any contract for sale must be commenced within 4 years after the cause of action has accrued. By the original agreement the parties may reduce the period of limitations to not less than one year but may not extend it.

(2) A cause of action accrues when the breach occurs, regardless of the aggrieved party's lack of knowledge of the breach. A breach of warranty occurs when tender of delivery is made, except that where a warranty explicitly extends to future performance of the goods and discovery of the breach must await the time of such performance the cause of action accrues when the breach is or should have been discovered.

(3) Where an action commenced within the time limited by subsection (1) is so terminated as to leave available a remedy by another action for the same breach such other action may be commenced after the expiration of the time limited and within 6 months after the termination of the first action unless the termination resulted from voluntary discontinuance or from dismissal for failure or neglect to prosecute.

(4) This section does not alter the law on tolling of the statute of limitations nor does it apply to causes of action which have accrued before this subtitle becomes effective.

5A Del. C. 1953, § 2-725; 55 Del. Laws, c. 349.;

Comment by Shelley Erickson on August 24, 2011 at 2:30am

Sorry this was not easy to put the Delaware statutes on here. Delaware has a three year statutes of limitation that timebars any mortgage from being collected after three years.  

Why should you care about the Statute of Limitations (SOL)?

Every day, consumers pay off collection accounts and charge-offs which they do not have to pay off because the Statute of Limitations has already expired for the open account. Consumers pay off these accounts because the accounts still appear on their credit reports.

This information can be a powerful weapon in unburdening yourself of old debts, as creditors have a limited time in which to sue you. Remember: the Statute of Limitations begins to run from the day the debt - or payment on an open-ended account - was due. Also, this has nothing to do with how long an negative credit item can remain on your credit report. To view these credit reporting rules, click here.

Consumers also pay off these accounts when they are not on their credit reports. Even though an account was removed from their credit file, a collector watched their credit report for any activity (actually the computer was watching any credit activity). When the collector spotted the activity, he called the consumer for payment. All the consumer needed to say to the collector was, "I have an absolute defense--the Statute of Limitations has expired."

The Statute of Limitations does not cause your debt to go away after it expires. If the creditor files suit, the consumer has an absolute defense. The consumer must offer the new evidence to avoid a judgement. The evidence will consist of papers the consumer files to support his claim. If the creditor sues you, and you do not prove to the court that the Statute of Limitations expired, you will have a lost lawsuit and a judgment against you.

Comment by Shelley Erickson on August 24, 2011 at 2:27am







Comment by Shelley Erickson on August 24, 2011 at 2:24am





Open-ended Accounts

State Statute: Open Accounts













Comment by Shelley Erickson on August 24, 2011 at 2:20am

Statute of Limitations on Debts

Last Updated: May 2, 2011

Below are the State Statutes of Limitations for various kinds of agreements. All figures are in years.

Oral Contract: You agree to pay money loaned to you by someone, but this contract or agreement is verbal (i.e., no written contract, "handshake agreement"). Remember a verbal contract is legal, if tougher to prove in court.

Written Contract: You agree to pay on a loan under the terms written in a document, which you and your debtor have signed.

Promissory Note: You agree to pay on a loan via a written contract, just like the written contract. The big difference between a promissory note and a regular written contract is that the scheduled payments and interest on the loan also is spelled out in the promissory note. A mortgage is an example of a promissory note.

Open-ended Accounts: These are revolving lines of credit with varying balances. The best example is a credit card account. Please note: a credit card is ALWAYS an open account. This is established under the Truth-in-Lending Act:

TITLE 15 > CHAPTER 41 > SUBCHAPTER I > Part A > § 1602
§ 1602. Definitions and rules of construction(i) The term “open end credit plan” means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan which is an open end credit plan within the meaning of the preceding sentence is an open end credit plan even if credit information is verified from time to time.

Comment by Shelley Erickson on August 24, 2011 at 2:14am

  1. Betty Cotton Robo Signer
     - Free people check with news, pictures ...
    5+ items – Check Betty Cotton Robo Signer: Notre Dame,...
    • • Network Profiles – Betty Signer - Roddy Round Up of Dallas Area Real Estate
    • • Heritage – The Clifton's of Southern Illinois:Information aboutBetty Signer
    • • Private Homepages – News - Department of Theology // University of Notre Dame
Comment by Shelley Erickson on August 24, 2011 at 2:10am
GOT NEWS FOR YA.  ALL THE STATES ARE CORRUPT!  WASHINGTON IS ONE OF THE WORST.  WE ARE DEALING WITH THE BIGGEST SYDICATED CONTROLLED FRAUD CRIME INCLUDING THE JUDGES IN ALMOST EVERY STATE.  WE NEED TO SUPPORT THE ATTORNEY GENERALS AND PUSH OUR SENATORS TO DO THE RIGHT THING.   WE NEED TO PROTEST NON VIOLENT ON THE SIDEWALKS. AND CONTINUE SUPPORTING EACH OTHER.  THIS IS SINISTER AND EVIL NOT ANYTHING OF THE NORM.  WAY TO MANY PEOPLE BEING VICTIMIZED. They have taken the side of the devil and sold their souls.  Our attorney General in Washington State just took a stand and started a law suit against one of the foreclosures.  Americans are in for a fight for our lives, our lively hood, our homes.  Who would have ever thought this could happen?  The greedy rich are trying to over power all Americans. Not all rich people are greedy. I mean the greedy rich, not all rich people.  I know a lot of good hearted wonderful rich people.  What is happening is insane.  What is Delawares statutes of limitations for timebarred promissory notes.  The judges understand time barred.?  I will look and come back.
Comment by Gizzle on August 24, 2011 at 12:24am

Delaware is lenient on notaries and all banks get a free pass as long as they only screw homeowners and leave investors out of the fraud. The judges are all paid to keep DE Bank friendly for the incorporation fees.



Comment by Shelley Erickson on August 24, 2011 at 12:24am
guess it was Randolf Froshams comment not yours. Sounds like the notaries do not have to keep good records.  Perfect storm for crooked banksters.  We better hope they dont see this blogg.
Comment by Erik Elmore on August 24, 2011 at 12:23am
Still looking for more Betty A. Cotton   
Comment by Shelley Erickson on August 24, 2011 at 12:22am

Because of what you said.  There is very little proof they have to keep any kind of record to prove anything.  That would be excellent for the crooked banksters.  They will be looking for Delaware notaries.

Comment by Gizzle on August 24, 2011 at 12:10am
@Randolph, I have several friends employed at ING, so I don't believe it will be hard to find your signer.
Comment by Gizzle on August 24, 2011 at 12:09am

Shelley we need to talk. I'm in Delaware. Why do you think all future notaries will be from DE?


Comment by Shelley Erickson on August 23, 2011 at 11:56pm
I have a bunch of Linda Green and G. Hernandez and Leticia Quintana and more.  None of the ones I pulled up on the articles on the web.  You can find a lot of the actual article (docs) on Fraud Digest, and mortgage servicing fraud under fraudsters and Co-conspirators scroll down to the bottom.  Look on the articles I sent you.  Some article send you to sights where the docs are.  Commonly found on the above.  It would be helpful for everyone to add theirs to these list.  Foreclosure Hamlet had a list to I thought.  National WAMU for homeowners I believe it is called may have a list.  I will look around for you.  Anyone here have knowledge of a list on any of the web sights?  I have put most of my doc copies on the blog sights and sent them to Lynn syzmonaik's fraud digest and Neil Garfield and everyone I know.  I am sure they are on here. I will resend soon.  Incase they help anyone.
Comment by Randy (Randolph) Frodsham on August 23, 2011 at 11:43pm
Thank you, Shelley.  I saw the facebook entry which also identifies Tifany Bazemore as a misician.  Bazemore's notary stamp clearly says State of Delaware and expired 12/29/2010.  I don't even know if she renewed.
Comment by Shelley Erickson on August 23, 2011 at 10:44pm

Comment by Shelley Erickson on August 23, 2011 at 10:41pm
Grizzel will this help? It is Florida how ever perhaps you can look up under your state statutes a title off of this.

A) Laws, B) Education, Materials, C) Governor's Notary Section, D) Department of State, E) Internet ... or proof must be under the seal of the court or officer, as the case may be. ... PENALTIES AND FINES FOR VIOLATION OF NOTARY LAWS ...
Comment by Shelley Erickson on August 23, 2011 at 10:33pm

Frodsham, sure hope the banksters dont get wind of this all the future notaries will be from Delaware. 

This is the only party with that name of the web under facebook. You might see if she is a notary, She is in Atlanta.  Not Delaware. 

  1. TIffany Bazemore
     | Facebook
    - Cached
    Ii had the pleasure of meeting Tiffany for the first time in Atlanta. I was there last year attending my sister in laws wedding(Michelle Bazemore). ...

Comment by Randy (Randolph) Frodsham on August 23, 2011 at 10:23pm
I need help regarding a Delaware notary.  I'm looking for a known real signature for Tiffany Renee Bazemore, a notary who may be employed by ING Bank, FSB, and Tenisha Brewington, supposed to be an employee of ING Bank, FSB.  Tenisha appears to have signed a Substitution of Trustee on 8/6/2009 and Tiffany appears to have notarized Tenisha's signature on 8/14/2009.  Since notarized signatures are supposed to be done in front of the notary, there would seem to be a problem here.  But the State of Delaware seems to have not requirement that notarys maintain a journal and, if they do, neither their journal nor their commission (which may have their real signature) are public record.  That being the case, maybe someone can explain to me why they even bother with notarys in Delaware.
Comment by Shelley Erickson on August 23, 2011 at 10:07pm

Salient points of Judge Mann's Decision:

  1. TRUTH IN LENDING  was dismissed because they were time-barred. LESSON: Don't ignore TILA claims or TILA audits. Get a forensic Analysis as early as possible, assert them immediately, assert rescission as soon as possible. TILA has teeth, but if you assert it late in the game.
  2. YOU CAN'T FORECLOSE ON UNRECORDED INSTRUMENTS: Judge Mann came right out and said the California Supreme Court would not and could not decide otherwise. Any other holding would defeat the purpose of recording and create uncertainty in the marketplace. This will cause a lot of grief to pretenders. It is getting harder for them to come up with people who are willing to lie, forge or fabricate documents. Getting a notary to affix their signature and seal will soon be a thing of the past unless the signature, the person and the document is real.
  3. THE ASSUMPTION THAT THE LOAN IS IN DEFAULT IS STILL A PROBLEM: As long as lawyers and pro se litigants are willing to concede that the obligation was in default, they are giving up their largest chip --- i.e., that the loan was not in default and the loan was not subject to a perfected lien for the same reason that the court cites in its opinion. Our loan level analysis shows repeatedly that in most cases the servicer is continuing to make payments and reporting to investors that the loan is performing even as they send delinquency letter's notices of default and notices of sales. The Court missed this point because nobody brought it up. Don't expect the Court to do your work for you. If you have reason to believe that the servicer is still paying on your loan you should be stating that the loan is not in de fault, denying any delinquency to the creditor and objecting to any action that is based upon the premise of "default." Note that if the servicer is paying your bills, the servicer MIGHT have a right of action against you, but it certainly isn't under the terms of the note or mortgage.
  4. THE ASSUMPTION THAT A VALID PERFECTED MORTGAGE LIEN EXISTS IS STILL A PROBLEM: Again, the problem is not with the Courts but with the lawyers and pro se litigants who simply assume that this is not an issue. Put yourself in the banks' shoes. If all you had were nominees for undisclosed principals on the note and mortgage would you be OK with that? No? Then the lien was never perfected, which means for legal purposes it doesn't exist. Just because it shows in black and white doesn't make it true. LESSON: Deny the lien exists, deny it was perfected and make them prove how it was perfected. They can't. In most cases neither the mortgage originator nor the nominee beneficiary (MERS) had a disclosed lender or beneficiary, nor did they incorporate the real terms of  the payment to the investor/lenders. If this was a law school exam and the student wrote that the loan was perfected, the grade would be "F".
  5. THE ISSUE OF FEDERAL PREEMPTION AND THEREFORE JURISDICTION AND VENUE ARE STILL IN FLUX: This Judge found that federal preemption prevents the homeowner from alleging TILA as state claims. The courts are not decided on this and the issue of res judicata and Rooker -Feldman will come into play once the issue is really resolved with finality. Beware then how you assert a claim and that you don't let the statute of limitations run out by failing to assert the right claim under


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