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 January 17, 2012 at 2:48pm

Here is some pro se propria persona case law.

  1. Foreclosure Pro Se.com - Case Laws

    www.foreclosureprose.com/case-laws/
    The case law is well established that, in an action to enforce a promissory note, the documentary taxes must be paid in order for the note to be enforceable in ...
Comment by Shelley Erickson on January 17, 2012 at 2:44pm

Perhaps you should do what I have done on my local lawsuit against the corrupt mayor of my town, and send a motion for recusal of the judge and argue the court room is a crime scene a manipulation between criminal attorneys making false claims by false affidavits to teh court manipulating with a corrupt judge and send a copy to the chief judge.  I dont know where it has gotten me for now. I fortunately had a witness and proof the judge altered the audio in the court room during orarl judgment.  She the judge flat out said something else that I ordered the audio and have a witness that heard in person what the judge said that she did not read my case nor view the exhibits.  I flat out asked her if she had and she said she had viewed it in part and handed it to the bailiff to read and was not going to bother viewing the exhbiits. I ordered the audio immediately and she obviously has changed it and said I have viewed the case in detail and I measured it with a tape measure to prove it.   OH MY!  I reported her court to be a crime scene. I am sending my info and case to the prosecuting attorneys office in hope it goes to criminal court.  I believe you can file it directly in the U.S. Supreme court if you dont get help. I need to check farther on that.

Comment by Shelley Erickson on January 17, 2012 at 2:03pm

look into squatters rights http://wp.me/p1EGDj-auS

Comment by Shelley Erickson on January 17, 2012 at 1:59pm

The FHA just filed a 196 Billion dollar complaint against the top 17 banksters not including Wells Fargo for some reason.  I think Wells is owned by the old railroad companies and may be held above the law, not sure I think I read something of that nature. I have to dig up what I read. However they can still loose a case.  I have seen it reversed in Appeals court against Wells Fargo as well.  The government may not be able to go after them.   Look up these complaints and click onto the ones that effect your case and read and take from them what helps you. 

Comment by Shelley Erickson on January 17, 2012 at 1:56pm

I have used all these statutes to defend my property and written and filed a lawful seizen letter adding all these statutes. And filed it publically in county records. I am not an attorney, and filing false doc are illegal which the banks have done.  I used all docs of proof of fraud and my rights to use these statutes and the US. Constitution to protect and defend our property. It is what I have done and I am not an attorney and am not held responsible for knowing legally what to do.  These are statutes in your state and all states have such statutes to protect your property and protect you from debt collectors and they are law for a reason.

Comment by Shelley Erickson on January 17, 2012 at 1:52pm
  1. Florida Castle Doctrine

    www.gunlaws.com/FloridaCastleDoctrine.htm
    Mar 23, 2005 – Florida "Castle Doctrine" Protects the Innocent ... news media nationwide started in immediately with its “Gunshine State,” blood in the streets, ...
Comment by Shelley Erickson on January 17, 2012 at 1:50pm
  1. Handbook of Florida Fence and Property Law: Adverse Possession

    edis.ifas.ufl.edu/fe678
    by MT Olexa - 2010 - Related articles
    With approximately 19000 livestock farms in the state, along with horse farms, ... In addition to these basic requirements for adverse possession, Florida law ...
Comment by Shelley Erickson on January 17, 2012 at 1:48pm

For statute of limitations on Judgments, go here.

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, but tougher to prove in court.

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

Promissory Note - You have agreed 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 payments are scheduled and interest on the loan is also spelled out in the promissory note. An example of a promissory note is a mortgage.

Open Ended Accounts - These are revolving lines of credit with varying balances. The best example is a credit card account.

Why should you care about the Statute of Limitations?

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.

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

Comment by Shelley Erickson on January 17, 2012 at 1:47pm

The statute starts at the Breach, which is the inception of a deceitful contract preset up for default and by strawman entitites to steal. The TILA disclosure is comming back, because the contracts were breaced at inception and not lawfully transferred, but held up until years after they legally could be transfered which is within I believe 90 days. By New York PSA law, which they are most all governed by NY PSA law.  The Remicks have failed.! Florida is five years and the debt by Florida law is timebarred from collection by a debt collector and four years unsecured debt which they all are unsecured debt since the PSA 's are lawfully void.

Comment by Shelley Erickson on January 17, 2012 at 1:42pm

The Florida Statute of Limitations on Debt

By LaToya Irby, About.com Guide

Definition:

The statute of limitations on debt in Florida puts a time limit on the amount of time you can be sued for a debt.

Oral Contract: 4 years

Comment by Shelley Erickson on January 17, 2012 at 1:39pm

“The REMICs have failed! “The REMICs have failed! - Deadly Clear

deadlyclear.wordpress.com/.../the-remics-have-failed-the-remics-hav...
Nov 4, 2011 – If Paul Revere were alive today he would be riding through the town warning “The REMICs have failed!” However, the government these days ...
Comment by Shelley Erickson on January 17, 2012 at 1:38pm

[PDF] 

Wells Fargo Bank One MBS Trustee Letter

www.occ.treas.gov/.../laws-regulations/wells-fargo-bank-one-mbs-tru...
File Format: PDF/Adobe Acrobat - www.occ.treas.gov/topics/laws-regulations/wells-fargo-bank-one-mbs-...
Comment by Shelley Erickson on January 17, 2012 at 1:23pm

Also look up State of Delaware V MERS filed by A G Beu Biden the very state MERS is incorporated they are not registered to do business. Read his complaint. The A G are getting ready to file massive complaints right now. There are not enough AG's to settle and forgive the banks now YEAH!  notthe and not

Comment by Shelley Erickson on January 17, 2012 at 1:17pm

Rob McKenna in Washington State A G has not received much publicity for his complaint against RECONTRUST foreclosure company for BOA.  He has filed Washington State V RECONTRUST and the entire complaint is they are unlawfully foreclosing on Washington state homes for at least the past five years, cause they are not in compllance with WA law not registered to do business, and no local office to contact to negotiate to save your home.  A third party like CT corp does not count.  Read the complaint found on the Web under typing ing Washington State V RECONTRUST filed by A G Rob McKenna and check out the forecloser you are dealing with.  Most likely they are not registered to do business and they claim because the are a national bank they dont have to be and that is dead wrong. Look up OCC letter dated January 14, 2005 National Bank Law does not preempt State Law and read the first paragraph and send all this to the would be forecloser along with your letter of objection and denial they are a debt collector with authority to collect this "ALLEGED" debt you do not owe "THEM".  You are aware of their scheme to unlawfully attempt to collect a debt you do not owe them and you will defend your property they do not own and have never lent a penny on.  Also look up The Remics have failed the Remicks have failed -deadly clear and the Oppenheim Report that you will find inside the Remicks have failed.   The PSA's are all void and so are all the contracts [notes] Tell the judge the debt is owed to someone the debt collectors stole it from but it is not against the law to not pay someone you do not owe and they are attempting to steal a free house they have never lent a dime on and infact have stolen profits from the real party of interest, and have caused the void of the note by their own theiving hands and have been paid over and over for this mortgage stealing the wealth of America and now are attempting to steal your house and property that someone else loaned the money for, but not these theives.  If anyone gets a free house it should not be theses scumbags.  These scumbags have made it impossible for you to find the party that lent the money, to steal from both of you. The judge should be as worried about giveing the theives a free house as he is giving you one.  However if you have not read the local courts are about 80 % funded by foreclosure money, and the judges have for the most part been put in place by bankster funds, some of them are from foreclosure mills and go back to foreclosure mills if they are caught, and they are not going to listen to anything.  You need to add all you can to your case even in a reconsideration letter you must send within ten days, then you have ten days to send the Appeal from that date and add all evidence you can, cause you can not add evidence in the Appeals court unless it is new and not availabel to the public before the case was denied.   Again I am not an attorney, I hope I have helped and good luck.  You would have ever thought America would come to this again.  It was done to us in the 1930's and again in the 1980's and now the worst ever in history.

Comment by Shelley Erickson on January 17, 2012 at 12:48pm

Remember you may wind up getting the property back so be careful about distruction.  There is a lot of positive events happening that may turn this around even for the homeowners already foreclosed on.  You can give yourself more time with a bankruptcy.  Also you have ten days to Appeal.  Just send an Appeals notice to the court.  A quick one. And look up case law in your state for the appeal. Like Case law State of Florida Chase Mortgage fraud or what ever bank, then look to see if they are registered in your state.  the local courts are full of corrupt judges and attorneys.  The Appeals courts have reversed and changed the cases around.  In most cases.  Dont give up if you are pro se or propria persona which is better they are suppose to go more lenient on you. Look up Pro Se case law to protect your rights and add it. It will give you months more time and then write a letter to them letting them know you are objecting to their authority to foreclose and are sending the case to Appeals court and you will do everything in your power to defend your home, and prove they are no more than a debt collector attempting to collect an alleged debt you do not owe them.   And demand affirmation of proof of authority to represent and to foreclose.   If they are not registered to do business the are violating state law and state Deed of Trust law.   They are also violating forgery laws and filing false affidavits of false claims in public records.   I am not an attorney I am Pro Se and this is what I have done.  Look up the adverse possession laws in Florida and the debt collection statutes of limitations for unsecured debt and also for promissory notes and mortgages.  In my state it is six years for mortgage contracts then they are timebarred from collection and three years for unsecured debt.  Send every rock you can.  Good luck!  I will be back with some info for you.  What debt collector are you defending your from. I will be back with some helpful ideas for you.  Most of the local courts are in the pockets of the banksters. The Appeals courts have proven different.

Comment by albert on January 17, 2012 at 12:19pm

ok, found the name of the judge  Pedro e. Echarte Jr. ...he granted the sale and is not accepting  any documents, 

this law group firm is looking to reach a "modification" so , what i think is they are just taking the money , and they will not do anything more as sale date is next month. if bank won the case , why are they negotiating  modifications?...weird ha....?, plus they said if bank do not accept, i can do bankruptcy...ha....

 i sent this data to them and they just told me today that judge is not giving a s@#@$ about fraudulent docs. he said you have a debt and you have to pay ...

so if you are in miami dade county and this judge took your case... your case will be dismiss ....

i was looking for the chain of title , but bank names did not match so is hard.....

will post names soon just waiting for this "office boys modification tryout " since i paid this month and then they will take the property.. but as other guy said in livinglies blog , we will tear apart the property....will not give a gift to this rats....

2009
5-Mar-09
alethes llc bette garver vice president 1-May-09
alethes llc 20-May-09
alethes llc 17-Jul-09
alethes llc 20-Jul-09
alethes llc 22-Jul-09
alethes llc 28-Jul-09
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC Vice president 28-Jul-09
alethes llc 29-Jul-09
homeside lending,inc Vice president 30-Jul-09
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC Vice president 3-Aug-09
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC Vice president 6-Aug-09
great country mortgage bankers,C rp Vice president 6-Aug-09
alethes llc 17-Aug-09
first horizon home loans , division of tennesse bank , n.a Vice president 17-Aug-09
alethes llc 19-Aug-09
first equity lending inc 21-Aug-09
GMAC mortgage corporation Vice president 25-Aug-09
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC Vice president ZHAM
Comment by Shelley Erickson on January 11, 2012 at 7:27pm

Tell them it is not against the law to [not] pay a debt you do not owe.  And you deny you are in default.  Ask them if they are a third party unlawfully asking you for personal information they have no authority to ask for, breaching your privacy rights and FDCPA law? And CPA law and breaching identity theft statutes? They record the call for your response if you call them or they call you so if you admit to anything owed you are screwed. If they are unauthorized parties asking for your identity docs they are using these under deciet and unlawfully while claiming to be the authorized party when they are not.  You have the right to have affirmative proof they have the authority request your social sec numbers and ect. If they dont it is identity theft by a party that is deceiving you.  Basically the strawman that did not disclose the real identity of the real lender at the inception of the loan did identity theft on you and gave your identification docs to a third party they did not disclose to you therefore without your permission.  I have never asked them this, but it would be warranteed, are you attempting to collect an alleged debt unlawfully and attempting to steal my identity violating identity theft laws?  That should get their goat. 

Comment by Shelley Erickson on January 11, 2012 at 6:56pm

You can ask the debt collectors for affirmation of representation and proof of owning the "ALLEGED LOAN" NEVER SAY MY LOAN THAT IS ADMISSION TO A DEBT YOU DO NOT OWE.  GOOD LUCK! YOU CAN DO THE SAME THROUGH THE PAPERWORK YOU FILL OUT TO THE ALLEGED LENDER.  THEY ARE NOT THE LENDER THEY ARE THE DEBT COLLECTOR.  ASK THEM TO CLARIFY WHOM THEY ARE THE DEBT COLLECTOR ATTEMPTING TO COLLECT AN ALLEGED DEBT OR SHOW PROOF BY AFFIRMATION OF THEIR LEGAL AUTHORIZATION TO REPRESENT, AND PROOF THEY THEY OWN THE ALLEGED LOAN.  My sister and brotherin law were being harrassed on a daily to weekly basis, and when they started asking for all this they have been told the debt collector is still trying to get the information for them and need more time. But send certified everytime and tell them they are past the allowed statutes to respond and they are in default of the answer.   My sister has not had a visit and the sale has been put off for now.  They recieved a letter then the debt collector was transfering the assignment to someone else. I had them send certified letter again to "[OBJECT TO ANY TRANSER WITHOUT AFFIRMATION OF PROOF OF REPRESENTATION AND AUTHORIZATION TO TRANSFER] AND OBJECTION OF TRANSFER ANY ALLEGED DEBT WITH OUT PROOF OF AUTHORIZATION.  It has not come yet!  They are debt collectors attempting to steal your house for free.  They never loaned a penney and have not right or authorization to collect this alleged debt. 

Comment by albert on January 11, 2012 at 5:57pm

Shelley Erickson :
THANK YOU FOR TAKE YOUR TIME TO RESPOND!!

i will ask this attorney firm about what you posted if i don't see any reaction in dockets ( they're very surprised we know how to check case docs. :) )...i hope they do, if not i will try pro se as you advice

we have 3 years dealing with this ... can you believe we received a call from the firm negotiation dept. asking for income ,statements etc , because this " bank " is asking for this info. to continue the negotiation !!!. AND THEY CONTINUED THE FORECLOSURE.. it's like a bad joke right?

really appreciate all this info.

i hope this firm is no just taking the money (which is hard earned this days) ,my brother is sick and work in florida is really slow now.....

i will post how they did it, good or bad...if it's bad and they sell us, i will let every body and post their names and firm to avoid more people to be fooled .

this are the last docket entries

MTG COLLECT FEE

MTGE FORECLOSURE SALE DATE **/**/2012 **:** **

NOTICE OF FILING: ORIGINAL NOTE, ORIGINAL MORTGAGE AND ORIGINAL ASSIGNMENT

if nothing changes in 2 o 3 days i will have to take your advice or hire another attorney to do it.

i removed some info. BECAUSE WE WERE TOLD THIS RATS CHECK THIS AND OTHER WEBSITES LIKE THIS .

again....thank you . i will post the results ...

Comment by Shelley Erickson on January 11, 2012 at 3:00pm

Also ask your attorney to send a motion for proof of representation and affirmation of representation.  One case on the web answered this by stating this request by the court was unfair because they would have to purjer themselves to do so! WOW!  I and my son sent in a request in the appeal court for this motion.  They only want to claim to be a debt collector, because that is what they are, not the lender or owner of the note.  Freddie does not even want to recieve the notes and will not claim to own the notes, and I feel this (remember this is my unproved assumption) and I am not an attorney, that Freddie does not have the notes and does not want to claim they have the notes because Freddie was the securitizer that shredded the notes to put into securities to sell on the stock market, so the notes were cashed into the stock market and it would be securities fraud if they come up with the notes and they have nothing but thin air to sell so Freddie sold nothing to the servicers only allowed then assumption agreements to assume servicer rights of nothing but what they claim, we are debt collectors "[attempting]" to collect a debt. and the only way this becomes legal is if you allow it by admitting you owe a debt you do not owe.  It is legal in this country to cause a debt to a debt collector that has nothing to prove you owe them, by just admitting you owe it.  So the important issue is to state alleged debt you do not owe.  That is the only way they can collect money from thin air and legally steal your house.    So to ask for proof of representation and affirmation of proof of representation, puts the lawyers firms in perjury position and they dont want that.  My son just recieved a letter back asking him to approve the change of representation on the face of the Appeal. Like Duh!  NOPE! He replied a motion for objection to approve a name change and sent the letter attached as evidence of attempt to defruad.

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