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U.S. Mortgage-Title Fraud A National Catastrophe

Articles & Blogs - US Commentary

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It is impossible to overstate the severity of the real estate crisis in the United States which has been caused entirely by the reckless fraud of the nation’s largest banks – the Wall Street Oligarchs. We now have mortgage-fraud being openly acknowledged by the banksters, and on a scale never before seen in human history.

We have a single individual with JP Morgan openly admitting that she “and her team” committed more than 18,000 acts of fraud per MONTH, while one Bank of America official admitted that she personally committed 7,000 to 8,000 acts of fraud monthly. Regular readers will recall that in a recent commentary I reported on two, separate anecdotes where the Bank of America attempted to “foreclose” on properties which did not even have mortgages.

In that same commentary, there was also an anecdotal report from a Florida lawyer who specializes in foreclosure proceedings, who stated that he regularly encountered (so-called) “judges” who were rubber-stamping these foreclosures without even looking at the documents. The lawyer also reported that one particular judge had already written her judgments (confirming foreclosure) before the foreclosure trial started.

We thus have the following chain of events, a Wall Street bank pushes a stack of 18,000 foreclosures in front of a small group of clerks (who make convenient patsies), and tells them they have to clear this many documents every month – knowing that it is impossible to process that volume and still follow mandatory legal procedures.

Stacks of these foreclosures are then pushed before judges. In the case of Florida, they are being processed by judges called out of retirement. Many of these people are likely no longer allowed to operate motor vehicles. These past-their-prime judges then rubber-stamp these fraudulent foreclosure documents – without even looking at them – effectively stealing the home from the homeowner through the coordinated fraud being committed by Wall Street banks and the U.S. government.

This is the sort of systemic horror-story which we would expect to hear coming out of some tiny, Third World country, with a ‘two-bit’ legal system – not from “the Leader of the Free World”. The crime-waves being confessed to by JP Morgan and Bank of America follow similar (if not worse) admissions by Ally Financial (GMAC’s mortgage subsidiary).

Naturally, the U.S. propaganda-machine isn’t reporting this mass-fraud as a crime-wave, but merely as “mistakes”. Let me make things clear. Doing something once is a “mistake”. Doing something 10 times is a pattern. Doing something 100 times is serial fraud. Doing something at least 7,000 times a month is a crime-wave. Obviously the banks themselves must have understood they were engaging in fraud.

In the case of JP Morgan, we have the largest, and one of the oldest banks in the United States. It has been processing foreclosures in the U.S. for more than a century. It clearly has an intimate, administrative understanding of how long it takes to process a foreclosure. When its largest mortgage-processing unit started reporting (month after month) a rate of “productivity” which was utterly impossible (while following mandatory legal procedures), it obviously should have put a stop to these “mistakes” at a much, much earlier time.

How much earlier? That is the unknown question. We already know that Ally Financial had already been sanctioned for such mortgage-fraud by a Florida judge as far back as 2006. But that was only the first time it was caught. With courts in many U.S. states severely clogged with enormous backlogs of foreclosures (more than 500,000 in Florida alone), we have no way of knowing how many foreclosure-judges are also rubber-stamping everything that is put before them.

Tragically, as despicable and inexcusable as this bankster crime-wave has been, these past horrors pale into insignificance when stacked-up against the future problems which have been created by Wall Street greed. A Bloomberg article begins to explore this legal nightmare.

Defective documentation has created millions of blighted titles that will plague the nation for the next decade,” said Richard Kessler, a Sarasota, Florida attorney. Kessler conducted a “study” which found defects in approximately 75% of all court filings.

Let me expand upon this horror. For any and every U.S. residential property which has a mortgage which has come within reach of the large U.S. banks over (at least) the last four years, it now has a “title” which cannot be relied upon by any potential buyer. And as the Florida lawyer states, this is not just going to be a problem for one year, or five years, but roughly a decade (if not longer).

Readers must understand how our legal systems operate. A party which has defective title to a property (i.e. the Wall Street banks) can never pass “good title” to any buyer. From the time that defect is created, no subsequent buyer can ever “own” that home, legally. Should that defect be discovered – several years later – by the original owner, that owner then has several more years in which to file a claim (based upon our “limitations” statutes).

If the original owner can demonstrate that he was stripped of his title through one of these millions of acts of Wall Street fraud, the original owner must and will be awarded clear title to that property, without one penny of compensation to the new “owner”.

To be more specific, any U.S. home which has been bought/sold more than once in the last five years, and any/every home with a mortgage tied to one of these fraud-factories cannot be trusted when it comes to being able to purchase “clear title”.

This means that any prospective buyer of a U.S. home must do extensive research on that property before ever making an offer – especially if they are considering making a purchase in the fraud-capitals of the U.S. housing market: Florida, California, Arizona, and Nevada. In the case of any home which has been tainted by Wall Street fraud, any sane buyer will simply walk away.

For those who decide they “must” buy a particular home, at the very least you will have to hire a lawyer to do a detailed analysis of the title. Given how complicated are these Wall Street webs of fraud, hiring a lawyer won’t guarantee good title, but it will give you someone to sue, if your home is later taken from you (by the rightful owner).

The most-obvious “warning siren” applies to foreclosure sales. Previously seen as a way to get a “cheap” home, it now appears more like a way to buy a home with a ticking-bomb inside it. No one in the U.S. should consider purchasing a foreclosed property without conducting extensive research on its title.

Keep in mind that this foreclosure-fraud is also only one way in which title to U.S. residential property is now seriously in question. Court cases to date have only dealt with defective titles in foreclosure proceedings – in other words the defect is discovered at that point in time.

The yet-unanswered question is what about the 10’s of millions of other securitized mortgages which have been “sliced-and-diced” by the Wall Street banks to the point where it is unclear whether any “homeowner” with one of these tainted-titles is capable of passing “good title” to a prospective buyer? I first brought up this bigger legal-nightmare roughly a year ago, in a two-part series titled “Who Owns Foreclosed U.S. Properties?” (links below).

In other words, even if a homeowner remains current on their payments, as long as there is an outstanding mortgage on that property, title rests with the mortgage-holder – and thus title must be conveyed from the genuine holder of that mortgage to any prospective buyer. If the bank which is servicing the mortgage does not hold full-and-clear title, and cannot locate/identify a single holder of “clear title”, then it becomes impossible to legally convey title of the property from one “homeowner” to another.

Much of this additional uncertainty can be attributed to the Wall Street creation known as “MERS”. This private company was created by Wall Street to attempt to bypass established legal procedures for financial companies to hold and transfer mortgages. The Wall Street fantasy was that any one of the Oligarchs could submit a file to MERS, claiming rightful “title” to a particular property, and have MERS rubber-stamp that title.

When the housing-bubble created by Wall Street imploded (and the “real fun” began for the Oligarchs), they expected to be able to waltz into foreclosure courts, show the judge their rubber-stamp from MERS, and then have the judge, in turn, rubber-stamp the foreclosure. This problem will last for much longer than ten years – since MERS has not yet been entirely wiped-out by court judgments finding against it.

Only after MERS and that entire registry system is abolished will the “ten-year countdown” (described by the Florida attorney) begin. Similarly, with respect to the millions of acts of foreclosure fraud now being admitted by Wall Street, this will be a problem for “ten years” only if U.S. regulators and law enforcement authorities put a total stop to such fraud immediately. If this national disgrace is allowed to persist, then that must extend the previous ten-year estimate for this catastrophe.

When I first began to refer to Wall Street banks as “fraud-factories” more than two years ago, some people found the term offensive. It has now been openly confessed by at least two of these companies that this is exactly what they are.

First they destroyed much of their own sector, through their multi-trillion dollar Ponzi-schemes based upon the housing-bubble these fraud-factories created. Now they have destroyed much of (if not most of) the U.S. residential real-estate market. Nothing but a complete national audit of the titles of all U.S. residential real estate can restore full trust to this market.

Unless/until that should occur, Wall Street has rendered much of the U.S. real estate market “radioactive”. And like radiation, these “toxic titles” are invisible – and can only be discovered through specialized detection. For anyone in the U.S. considering purchasing any U.S. home with an outstanding mortgage, the words “caveat emptor” have never been more applicable.

[Disclosure: I hold no position in JP Morgan, Bank of America, or GMAC]

Comments (7)Add Comment
written by mathnerd, October 08, 2010
I have nothing but sympathy for the poor homeowners who have been responsibly making payments on their mortgages in the worst-affected areas.

This is why I have no intention of buying anything I couldn't at least hope to pay off in 3 years. Call me paranoid, but I'd much rather have a certain amount in long-term safe assets that you could sell in a different place than sign a 20-year mortgage on anything. If you signed a 20-year mortgage on your house in 1995 in let's say California there's no way you could have forecast the present situation. But you'd be suffering from it, big time.

There's unfortunately nothing current mortgage-holders can do about this, but may I remind the fellow readers that the word "mortgage" is Latin for "death grip."

If you're considering taking on a major debt, do you want a corporation to have a death grip on you?
Jeff Nielson
written by Jeff Nielson, October 04, 2010

While we're having a VERY tough time getting distributors to run this piece (because I DO use the "F" word, over and over), at least I saw ONE other piece getting MORE coverage, which says some of the same things.

"Could Foreclosure Fraud Cause Another Banking Meltdown?"

That author puts the number of screwed-up titles at 60 MILLION: all of "MERS". Much like myself, he says there was no "clerical" error here. The banksters now know they CAN'T process these foreclosures OR even engage in NORMAL SALES on these properties LEGALLY, because they don't have any "clear title" to assign (to themselves) in a foreclosure, or (to a buyer) in a normal sale.

The entire U.S. mortgage-market is about to break down, along with its entire real estate registry system - and all because of a few thousand very, very, very greedy banksers.

This is why they suddenly tried to ramp-up both STARTING foreclosures, as well as pressuring these subservient governments to create 'kangaroo courts', to rubber-stamp these bankster foreclosures as fast as possible. They have FINALLY figured out that they've destroyed the whole system.
written by DayOwl, October 04, 2010
This is largely being passed off as a mere technical hurdle to banks trying to affect rightful foreclosures on delinquent mortgages.

The word "fraud" rarely shares the same page. "Oh, ha-hah, the title part has a typo. How could I have missed that?" It is assumed that for the most part, absent the inconvenient little title problem, these foreclosures would be processed normally. Now they're saddled with more legal stuff which too-big-to-fail banks shouldn't have to worry about anyway. I mean, hey, they sold them without due diligence. Why is it necessary to use diligence when taking them back?


You know the banksters will be pushing for legislative or regulatory action to award the properties to the banks instead of allowing this legal tangle to continue. Beware the banker viewing houses on your street: "I want this one, and this one, and this one..."

When all else fails, the real-culprit-stupid-greedy-homeowners-who-purchased-too-big-houses-on-liar-loans are dragged out for ritual tarring and feathering. Nothing to see here, move along.

Oh! I know! This will be a prop to the housing industry since there will be so many houses no one can (legally)live in. They'll need to build a lot of "legal" residences to "replace" them!
Jeff Nielson
written by Jeff Nielson, October 04, 2010

U.S. courts are a particular disgrace, which is not shared by other Western nations. Only the U.S. (literally) politicizes its judiciary, through having people with absolutely NO legal expertise whatsoever appointing or electing judges based upon the judge's political slant.

As with every other aspect of U.S. society, there is also rampant corruption among the U.S. judiciary:

"U.S. judges caught locking-up innocent children"

That piece points out how U.S. judges were taking kick-backs in exchange for sending INNOCENT children to prison - because the operators of the PRIVATE PRISONS where they were sent could make lots of money off of using the children for slave labour.
written by samix, October 04, 2010
Hey Jeff,

We in India normally have a culture where we praise the west for its system, the care met out to an individual, the unbiased judiciary, freedom of speech and openness.

It seems that its all been flushed down the drain and now Indian courts are suddenly looking more just and upright to me now!

Jeff Nielson
written by Jeff Nielson, October 02, 2010
Yes, no doubt.

Sadly, many of the EXISTING "foreclosure-prevention" entities which sprung-up in the EARLIER stages of this crisis/scandal turned out to be just NEW scams from the same, old scammers.

Hopefully ads such as you describe will be merely those of legal "vultures" - looking for a "cut" from the misfortune of others, and not ANOTHER vehicle to scam unwary and already-victimized Americans.
written by apberusdisvet, October 02, 2010
I expect the TV commercials to start appearing shortly: "hi, have you been recently foreclosed upon? Or executed a short sale? The actions may have been fraudulent. Immediately contact the law firm of Blindem & Screwem @ 1-800 WE LOFAO".

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