I was working on something today, and saw that I needed to add some references (footnotes) to support what I was saying. It had to do with JPMorgan Chase Bank, and the fines for violations concerning robo-signing, lying, cheating, stealing homes, and the like. All related to foreclosures of course.
When I began adding the references for my allegations, I almost fell off my chair. I could not believe the fines and the violations, and yet, they continue on, to this very day. The only thing that Chase has learned from all the fines for violations, is that they make enough money, that the fines don’t matter. If anything else had come of it, as in, it hurt them financially, they would have quit with all the violations.
As it turns out, attorneys for these banks have gotten worse. It is ruining the legal profession. If the courts would stand up and make those that should be held accountable, accountable, the foreclosures would have ended. So, it has also ruined the court system for their failure to the citizens of the states and country.
http://s25.postimg.org/ze1twuhu7/is_CDBx_Oy_Hkyno_GSsgx_Oz_TCmykgo7_D_Dsbu_N6nx_ELu_AK48_h.jpgForeclosure hell has only taught the people that have lost their homes. And what pray tell did those people learn other than they will never be able to purchase another home? That you cannot trust attorneys, you cannot trust the courts, and by God you had better never trust the lender. In other words, the world around you is corrupt as hell, and no one, except you, the borrower is accountable for anything.
Just a sampling of fines levied against JPMorgan Chase Bank:
2008: Unpacking the JPMorgan Chase scandals; $30 billion in fines and counting — and this monster bank still got off lightly!: http://www.socialism.com/drupal-6.8/articles/unpacking-jpmorgan-chase-scandals
June 2011: Misleading CDO Investments: http://www.dividend.com/dividend-education/a-brief-history-of-jp-morgans-massive-fines-jpm/;
July 7, 2011: Conduct in Municipal Bonds $228 Million: http://www.dividend.com/dividend-education/a-brief-history-of-jp-morgans-massive-fines-jpm/;
February 9, 2012: Foreclosure Abuses and “Robo-Signing” $5.29 Billion: http://www.dividend.com/dividend-education/a-brief-history-of-jp-morgans-massive-fines-jpm/;
November 16, 2012: $269.9 Million: More Mortgage Misrepresentations: http://www.dividend.com/dividend-education/a-brief-history-of-jp-morgans-massive-fines-jpm/;
January 2013: $1.8 Billion: Improper Foreclosures: http://www.dividend.com/dividend-education/a-brief-history-of-jp-morgans-massive-fines-jpm/;
October 25, 2013: $5.1 Billion: Fannie and Freddie Fines: http://www.dividend.com/dividend-education/a-brief-history-of-jp-morgans-massive-fines-jpm/;
Nov. 2013: JPMorgan agrees $13 billion settlement with U.S. over bad mortgages; http://www.reuters.com/article/us-jpmorgan-settlement-idUSBRE9AI0OA20131120;
November 15, 2013: $4.5 Billion: Mortgage Securities: http://www.dividend.com/dividend-education/a-brief-history-of-jp-morgans-massive-fines-jpm/;
January 2014: JPMorgan Chase Fines Exceed $2 Billion: http://www.bankinfosecurity.com/chase-a-6356;
January 06, 2014: Madoff Scandal: $1.7 Billion: http://www.dividend.com/dividend-education/a-brief-history-of-jp-morgans-massive-fines-jpm/;
November 11, 2014: Currency Manipulation (stock price): $1.34 Billion: http://www.dividend.com/dividend-education/a-brief-history-of-jp-morgans-massive-fines-jpm/;
March 2015: Chase has paid $38 Billion in 22 settlements from 2009 through March of 2015: http://www.dispatch.com/content/stories/business/2015/07/16/fine-despite-fines.html;
July 2015: JPMorgan Chase fined $136M over how it collects debts: http://www.npr.org/sections/thetwo-way/2015/07/08/421277881/jpmorgan-chase-fined-136m-over-how-it-collects-debt;
July 8, 2015: Chase fined $216M over debt collection: http://www.bankrate.com/financing/credit-cards/chase-fined-216m-over-debt-collection/;
December 2015: JPMorgan Admits It Didn’t Tell Clients About Conflicts $300M: http://www.bloomberg.com/news/articles/2015-12-18/jpmorgan-pays-267-million-to-settle-conflict-of-interest-claims;
January 2016: JPMorgan Chase Fined $48Million for Failing to Comply With Robosigning Settlement: https://consumerist.com/2016/01/05/jpmorgan-chase-fined-48-million-for-failing-to-comply-with-robosigning-settlement/;
And it goes on. There are many that I missed, in my hurry to get this done.
And in the end, the buck stops with the Courts, U.S. Attorneys and District Attorneys for not throwing the lot of their asses in the clink!
Tag: Real Estate
Judicial Corruption at its Finest
Reprimanded judge says presiding over his own divorce case for several months ‘made no difference’
Posted Mar 23, 2016 03:00 pm CDT
Reprimanded last month for presiding over his own divorce case for four months after it was randomly assigned to his own court, a Texas judge told a local newspaper that doing so did no harm.
“This was my personal divorce,” said 383rd District Judge Mike Herrera to the El Paso Times on Tuesday, explaining that there was “no rush” to transfer the case to another judge because he and his wife were trying at the time to work things out.
Hence, “the fact that it was in this court made no difference. It stayed there,” Herrera said of the divorce case. “I wasn’t actively doing anything. Me and my former spouse were working on everything. She and I were working on everything carefully.”
The Texas Commission on Judicial Conduct noted that Herrera had filed motions in the case while it was in his own court. The commission said that the judge “failed to comply with the law, demonstrated a lack of professional competence in the law, and engaged in willful and persistent conduct that was clearly inconsistent with the proper performance of his judicial duties,” the newspaper reports.
In addition to reprimanding Herrera, the commission ordered him to get six hours of training.
2016 STATE OF THE JUDICIARY ADDRESS THE HONORABLE CHIEF JUSTICE HUGH P. THOMPSON SUPREME COURT OF GEORGIA January 27, 2016, 11 a.m. House Chambers, State Capitol
016 STATE OF THE JUDICIARY ADDRESS
THE HONORABLE CHIEF JUSTICE HUGH P. THOMPSON
SUPREME COURT OF GEORGIA
January 27, 2016, 11 a.m.
House Chambers, State Capitol
Lt. Governor Cagle, Speaker Ralston, President Pro Tem Shafer, Speaker Pro Tem Jones, members of the General Assembly, my fellow judges and my fellow Georgians:
Good morning. Thank you for this annual tradition of inviting the Chief Justice to report on the State of Georgia’s Judiciary. Thanks in large part to your support and the support of our governor, as we move into 2016, I am pleased to tell you that your judicial branch of government is not only steady and secure, it is dynamic; it has momentum; and it is moving forward into the 21st century with a vitality and a commitment to meeting the inevitable changes before us.
Our mission remains the same: To protect individual rights and liberties, to uphold and interpret the rule of law, and to provide a forum for the peaceful resolution of disputes that is fair, impartial, and accessible to all.
Our judges are committed to these principles. Each day, throughout this state, they put on their black robes; they take their seat on the courtroom bench; and they work tirelessly to ensure that all citizens who come before them get justice.
Our Judicial Council is the policy-making body of the state’s judicial branch. It is made up of competent, committed leaders elected by their fellow judges and representing all classes of court. They are assisted by an Administrative Office of the Courts, which is under a new director – Cynthia Clanton – and has a renewed focus as an agency that serves judges and courts throughout Georgia.
A number of our judges have made the trip to be here today. Our judges are here today because the relationship we have with you is important. We share with you the same goal of serving the citizens of this great state. We could not do our work without your help and that of our governor.
On behalf of all of the judges, let me say we are extremely grateful to you members of the General Assembly for your judicial compensation appropriation last year.
Today I want to talk to you about Georgia’s 21st century courts – our vision for the future, the road we must travel to get there, and the accomplishments we have already achieved.
It has been said that, “Change is the law of life. And those who look only to the past or present are certain to miss the future.”
Since a new state Constitution took effect in 1983, our population has nearly doubled to a little over 10 million, making us the 8th most populous state in the country. We are among the fastest growing states in the nation, and in less than four years, our population is projected to exceed 12 million.
Because it is good for our economy, we welcome that growth. Today, Georgia ranks
among states with the highest number of Fortune 500 companies, 20 of which have their global headquarters here; we have 72 four-year colleges and universities; we have the world’s busiest airport and we have two deep-water ports. Georgia is a gateway to the South, and for a growing number of people and businesses from around the world, it is a gateway to this country.
All of this growth produces litigation – increasingly complex litigation – and just as our state must prepare for this growth by ensuring we have enough roads and modes of transportation, enough doctors and hospitals, and enough power to reach people throughout the state, our courts also must be equipped and modernized for the 21st
century.
While our population has nearly doubled since 1983, the number of Georgia judges has
grown only 16 percent. We must work together to ensure that our judicial system has enough judges, staff and resources in the 21st century to fulfill the mission and constitutional duties our forefathers assigned to us.
A healthy, vibrant judiciary is absolutely critical to the economic development of our state. Thanks to many leaders in the judiciary, as well as to our partnership with the governor and to you in the legislature, we are well on our way to building a court system for the 21st century.
This time next year, with your support, we will have put into place an historic shift in the types of cases handled by the Georgia Supreme Court – the highest court in the state – and by the Court of Appeals – our intermediate appellate court. Thanks to Governor Deal’s Georgia Appellate Jurisdiction Review Commission, this realignment will bring the Supreme Court of Georgia in line with other state Supreme Courts, which handle only the most critical cases that potentially change the law. Serving on the Commission are two of my colleagues – Justice David Nahmias and Justice Keith Blackwell – as well as two judges from the Court of Appeals – Chief
Judge Sara Doyle and Judge Stephen Dillard.
I thank you, Justices and Judges, for your leadership.
Under the Georgia Constitution, Supreme Court justices collectively decide every case that comes before us. Currently the state’s highest court hears divorce and alimony cases; we hear cases involving wills; we hear cases involving titles to land; and we hear disputes over boundary lines.
But the Governor’s Commission, and a number of reports by other commissions and
committees issued since 1983, have recommended that such cases should be heard by our intermediate appeals court, not by our highest court.
Both of our courts are among the busiest in the nation. But unlike the Supreme Court, which sits as a full court with all seven justices participating in, and deciding, every case, the Court of Appeals sits in panels of three. With your approval last year of three new Court of Appeals judges, that court will now have five panels, so it will have the capacity to consider five times as many cases as the Supreme Court.
Modernization of the Supreme Court makes sense. In a 19th century court system, when
most of the wealth was tied up in land, maybe title to land cases were the most important. Maybe they had the greatest implications for the public at large. But as we move into the 21st century, that is no longer true.
In answer to questions such as who owns a strip of land, what does a will mean, and who should prevail in a divorce settlement or an alimony dispute, most judicial systems believe that three judges are enough to provide the parties with a full and fair consideration of their appeal. It no longer makes sense to have seven – or nine – justices collectively review these types of cases.
There is no doubt these cases will be in good hands with the Court of Appeals.
Let me emphasize that all these cases the Commission recommended shifting to the Court of Appeals are critically important to the parties involved.
Let me also emphasize that the purpose of this historic change is not to lessen the burden on the Supreme Court. Rather, the intent is to free up the state’s highest court to devote more time and energy to the most complex and the most difficult cases that have the greatest implications for the law and society at large.
We will therefore retain jurisdiction of constitutional challenges to the laws you enact, questions from the federal courts seeking authoritative rulings on Georgia law, election contests, murder and death penalty cases, and cases in which the Court of Appeals judges are equally divided.
Significantly, we want to be able to accept more of what we call “certiorari” cases
which are appeals of decisions by the Court of Appeals. The number of petitions filed in this category during the first quarter of the new docket year is nearly 14 percent higher this year over last. Yet due to the amount of appeals the law now requires us to take, we have had to reject the majority of the petitions for certiorari that we receive.
These cases are often the most complex – and the most consequential. They involve
issues of great importance to the legal system and the State as a whole. Or they involve an area of law that has become inconsistent and needs clarification.
Businesses and citizens need to know what the law allows them to do and what it does
not allow them to do. It is our job at the highest court to reduce any uncertainty and bring consistency and clarity to the law.
Under the Commission’s recommendations, our 21st century Georgia Supreme Court will
be able to accept more of these important appeals.
As we move into the 21st century, plans are being discussed to build the first state Judicial Building in Georgia’s history that will be dedicated solely to the judiciary. We are grateful for the Governor’s leadership on this. The building that now houses the state’s highest court and the Court of Appeals was built in 1954 when Herman Tallmadge was governor. Back then, it made sense to combine the state judicial branch with part of the executive branch, by locating the Law Department in the same building.
But the world has changed since 1954, and the building we now occupy was not designed with visitors in mind. It was not designed with technology in mind. And it surely was not designed with security in mind. Indeed, it was designed to interconnect with neighboring buildings that housed other branches of government.
A proper Judicial Building is about more than bricks and mortar. Outside, this building will symbolize for generations to come the place where people will go to get final resolution of civil wrongs and injustices; where the government will go to safeguard its prosecution of criminals; and where defendants will go to appeal convictions and sentences to prison for life.
Inside such a building, the courtroom will reinforce the reality that what goes on here is serious and solemn; it is a place of great purpose, in the words of a federal judge. The parties and the lawyers will understand they are all on equal footing, because they are equal under the law.
There is a majesty about the law that gets played out in the courtroom. It is a hallowed place because it is where the truth must be told and where justice is born. The courtroom represents our democracy at its very best.
No, this building is not just about bricks and mortar. Rather it is a place that will house Georgia’s highest court where fairness, impartiality, and justice will reign for future generations.
We are no longer living in a 1950s Georgia. The courts of the 21st century must be
equipped to handle an increasingly diverse population. Living today in metropolitan Atlanta alone are more than 700,000 people who were born outside the United States. According to the Chamber of Commerce, today some 70 countries have a presence in Atlanta, in the form of a consulate or trade office. We must be ready to help resolve the disputes of international businesses that are increasingly locating in our state and capital. Our 21st century courts must be open, transparent and accessible to all. Our citizens’ confidence in their judicial system depends on it. We must be armed with qualified, certified interpreters, promote arbitration as an alternative to costly, courtroom-bound litigation, ensure that all those who cannot afford lawyers have an avenue toward justice, and be constantly updating technology with the aim of improving our courts’ efficiency while saving literally millions of dollars. For all of this, we need your help.
When I first became a judge, we had no email, no cell phones, no Internet. People didn’t Twitter or text, or post things on YouTube, Facebook or Instagram. The most modern equipment we had was a mimeograph machine.
This past year, by Supreme Court order, we created for the first time a governance
structure to bring our use of technology into the 21st century. Chaired by my colleague Justice Harold Melton, and co-chaired by Douglas County Superior Court Judge David Emerson, this permanent Judicial Council Standing Committee on Technology will lead the judicial branch by providing guidance and oversight of its technology initiatives.
Our courts on their own are rapidly moving away from paper documents into the digital age. At the Supreme Court, lawyers must now electronically file all cases. This past year, we successfully launched the next phase by working with trial courts to begin transmitting their entire court record to us electronically. The Court of Appeals also now requires the e-filing of applications to appeal, and this year, will join the Supreme Court in accepting electronic trial records.
Our goal is to develop a uniform statewide electronic filing and retrieval system so that lawyers and others throughout the judiciary can file and access data the easiest way possible.
Using a single portal, attorneys will be able to file documents with trial courts and appellate courts – and retrieve them from any court in the state. This is the system advocated by our partner, President Bob Kaufman of the State Bar of Georgia, and by attorneys throughout the state.
Such a system will not only make our courts more efficient at huge savings, but it will make Georgia safer. When our trial judges conduct bond hearings, for example, they often lack critical information about the person before them. They usually have reports about any former convictions, but they may not have information about cases pending against the defendant in other courts. The technology exists now to ensure that they do.
Also on the horizon is the expanded use of videoconferencing – another electronic
improvement that will save money and protect citizens’ lives. After a conviction and sentence to prison, post-trial hearings require courts to send security teams to pick up the prisoner and bring him to court. Without encroaching on the constitutional right of confrontation, we could videoconference the inmate’s testimony from his prison cell. Again, the technology already exists.
Our Committee on Technology will be at the forefront of guiding our courts into the 21st century.
As Georgia grows, it grows more diverse.
Our Georgia courts are required by the federal government to provide language services free of charge to litigants and witnesses, not only in criminal cases but in civil cases as well.
Even for fluent English speakers, the judicial system can be confusing and unwelcoming.
My vision for Georgia’s judiciary in the 21st century is that every court, in every city and every county in Georgia, will have the capacity of serving all litigants, speaking any language, regardless of national origin, from the moment they enter the courthouse until the moment they leave. That means that on court websites, signs and forms will be available in multiple languages, that all court staff will have the tools they need to assist any customers, and that court proceedings will have instant access to the interpreters of the languages they need.
Chief Magistrate Kristina Blum of the Gwinnett County Magistrate Court has been
working hard to ensure access to justice for all those who come to her court, most of whom are representing themselves.
Recently her court created brochures that provide guidance for civil trials, family
violence matters, warrant applications, garnishments, and landlord-tenant disputes. These brochures provide basic information about each proceeding – what to expect and how best to present their case in court.
Judge Blum, who is in line to be president of the Council of Magistrate Judges and is a member of our Judicial Council, has had the brochures translated into Spanish, Korean and Vietnamese. Such non-legalese forms and tutorial videos that our citizens can understand go a long way toward building trust in the judicial system, and in our entire government.
The Supreme Court Commission on Interpreters, chaired by Justice Keith Blackwell, is
making significant strides in ensuring that our courts uphold the standards of due process. With the help of Commission member Jana Edmondson-Cooper, an energetic attorney with the Georgia Legal Services Program, the Commission is working around the state to educate judges,court administrators and lawyers on the judiciary’s responsibilities in providing language assistance.
The essence of due process is the opportunity to be heard. Our justice system is the envy of other countries because it is open and fair to everyone seeking justice. By helping those who have not yet mastered English, we reinforce the message that the doors to the best justice system in the world are open to everyone.
Our law demands it. Our Constitution demands it.
The courts of the 21st century will symbolize a new era. A turning point in our history occurred when we realized there was a smarter way to handle criminals.
Six years ago, my colleague and then Chief Justice Carol Hunstein accompanied
Representative Wendell Willard to Alabama to explore how that state was reforming its criminal justice system. Back in Georgia, Governor Deal seized the reins, brought together the three branches of government, and through extraordinary leadership, has made criminal justice reform a reality. Georgia is now a model for the nation.
Today, following an explosive growth in our prison population that doubled between
1990 and 2011 and caused corrections costs to top one billion dollars a year, last year our prison population was the lowest it has been in 10 years. Our recidivism rate is the lowest it’s been in three decades. And we have turned back the tide of rising costs.
For the last five years, the Georgia Council on Criminal Justice Reform – created by the governor and your legislation – has been busy transforming our criminal justice system into one that does a better job of protecting public safety while holding non-violent offenders accountable and saving millions in taxpayer dollars. I am extremely grateful to this Council and commend the steady leadership of co-chairs Judge Michael Boggs of the Court of Appeals and Thomas Worthy of the State Bar of Georgia.
Throughout this historic reform, Georgia’s trial court judges have been in the trenches.
Our number one goal in criminal justice reform is to better protect the safety of our citizens.
Central to that goal is the development of our specialty courts – what some call accountability courts.
These courts have a proven track record of reducing recidivism rates and keeping our
citizens safe. Nationwide, 75 percent of drug court graduates remain free of arrest two years after completing the program, and the most conservative analyses show that drug courts reduce crime as much as 45 percent more than other sentencing options. Last year, these courts helped save Georgia more than $51 million in prison costs.
From the beginning, you in the legislature have steadfastly supported the growth in these courts, most recently appropriating more than $19 million for the current fiscal year.
Georgia now has 131 of these courts, which include drug courts, DUI courts, juvenile and adult mental health courts, and veterans courts. Today, only two judicial circuits in the state do not yet have a specialty court, and both are in the early stages of discussing the possibility of starting one. In addition to those already involved, last year alone, we added nearly 3500 new participants to these courts.
Behind that number are individual tales of lives changed and in some cases, lives saved.
Our judges, who see so much failure, take pride in these success stories. And so should you.
Chief Judge Richard Slaby of the Richmond County State Court, speaks with great pride of Judge David Watkins and the specialty courts that have grown under Judge Watkins’ direction. Today the recidivism rate among the Augusta participants is less than 10 percent.
The judges who run these courts are committed and deserve our thanks. We are grateful to leaders like Judge Slaby, who is President-Elect of the Council of State Court Judges and a member of our Judicial Council; to Judge Stephen Goss of the Dougherty Superior Court, whose mental health court has been recognized as one of the best mental health courts in our country; to Chief Judge Brenda Weaver, President of the Council of Superior Court Judges and a member of our Judicial Council. Judge Weaver of the Appalachian Judicial Circuit serves on the Council of
Accountability Court Judges of Georgia, which you created last year by statute. Its purpose is to improve the quality of our specialty courts through proven standards and practices, and it is chaired by Superior Court Judge Jason Deal of Hall County. Judge Deal’s dedication to the specialty court model in his community, and his guidance and encouragement to programs throughout the state, are described as invaluable by those who work with him.
We may not have a unified court system in Georgia. But we have judges unified in their commitment to our courts. Among our one thousand four hundred and fifty judges, Georgia has many fine leaders. I’ve told you about a number of them today. In closing, I want to mention two more.
When the United States Supreme Court issued its historic decision last year on same-sex marriage, our Council of Probate Court Judges led the way toward compliance. Three months before the ruling was issued, the judges met privately at the behest of the Council’s then president, Judge Chase Daughtrey of Cook County, and his successor, Judge Don Wilkes of Emanuel County. Together, they determined that regardless of what the Supreme Court decided, they would follow the law. Both Governor Deal and Attorney General Sam Olens also publicly announced they would respect the court’s decision, despite tremendous pressure to do otherwise.
These men are all great leaders who spared our state the turmoil other states endured. The bottom line is this: In Georgia, we may like the law, we may not like the law, but we follow the law.
The day-to-day business of the Georgia courts rarely makes the news. Rather judges,
their staff and clerks spend their days devoted to understanding the law, tediously pushing cases through to resolution, committed to ferreting out the truth and making the right decision. It is not easy, and they must often stand alone, knowing that when they sentence someone to prison, many lives hang in the balance between justice and mercy.
So I thank all of our leaders, and I thank all of our judges who are leading our courts into the 21st century.
May God bless them. May God bless you. And may God bless all the people of Georgia.
Thank you.
Bar Groups See Threat from Nonlawyers
The American Lawyer
http://www.americanlawyer.com/printerfriendly/id=1202748892813
from: The American Lawyer
At ABA Meeting, Bar Groups See Threat from Nonlawyers
Susan Beck, The Am Law Daily
February 4, 2016
(Stanford Law School Professor Deborah Rhode criticized the opposition to Resolution 105, which some fear could lead to more non-lawyers providing legal services.
Photo: Jason Doiy/The Recorder)
A modest proposal that hints at opening the door to nonlawyers providing simple legal services faces a tough fight at the American Bar Association’s midyear meetings, which are currently underway in San Diego.
The ABA’s Litigation Section, as well as the bar associations of Illinois, Nevada, New York, New Jersey and Texas, are all on record opposing Resolution 105, which was submitted by the Commission on the Future of Legal Services and five other ABA divisions. The commission was formed in August 2014 by then-incoming ABA president William Hubbard, who has been vocal about the need to improve access to justice. Under the leadership of former Northrop Grumman Corporation lawyer Judy Perry Martinez, the commission has explored new ways to improve the delivery of civil legal services to the public, especially to those who can’t afford a lawyer or are confused by the legal system.
While the 30-member commission has considered many possible solutions—from technological innovations to allowing nonlawyers to provide limited legal services—Resolution 105 doesn’t propose any specific changes to the status quo. Instead, it asks the ABA to adopt “Model Regulatory Objectives for the Provision of Legal Services” that are guided by such benign principles as protection of the public and meaningful access to justice. It also urges each state’s highest court to be guided by these objectives if it is considering new rules to allow activity by “nontraditional legal service providers.”
While the resolution doesn’t advocate for such changes, the mere mention of “nontraditional legal service providers” raises hackles for some in the ABA. The Texas state bar board, for example, has asked Texas delegates to withhold their support for Resolution 105. State bar president-elect Frank Stevenson II of Locke Lord said the board opposes the proposal because it seems to presume there’s a place for nonlawyers to provide legal services. He added that Texas’ chief justice has already set up a commission to study how lawyers can reach more of the public, and his group wants to wait for that group to finish its work.
“Our position shouldn’t be interpreted as rigidly opposed to innovation in the provision of legal services,” Stevenson said. But he added, “We feel lawyers are not fungible with nonlawyers.”
The New Jersey State Bar Association’s board of trustees voted unanimously to oppose the resolution, also because it envisions new categories of legal service providers. The ABA’s Litigation Section voted 17-8 against it.
Philadelphia lawyer Lawrence Fox of Drinker Biddle & Reath, who has long crusaded against allowing nonlawyers to provide legal services, sent a Jan. 29 email to all delegates with the subject line “Save Our Profession.” He implored them to reject Resolution 105: “If we are going to show leadership, it ought to be in opposing the unauthorized practice of law, wherever it rears its ugly head,” he wrote.
The resolution does have some organized support, including from the South Carolina Bar Association, the ABA’s Business Law Section, the Bar Association of San Francisco and the Washington State Bar Association. (In Washington state, licensed nonlawyers already provide some legal services.)
ABA President Paulette Brown declined to comment on the resolution or the work of the commission.
The commission will hold a roundtable discussion in San Diego on Saturday and will meet again on Sunday. The ABA’s House of Delegates will consider the resolution on Monday.
A simple majority vote is needed to adopt a resolution. The ABA has 560 delegates, but it’s not clear how many will be present Monday.
Over the past year and a half, the Commission on the Future of Legal Services has sought new ideas to improve the public’s access to legal solutions. In May of last year it held a National Summit on Innovation in Legal Services at Stanford Law School that drew 200 participants, including 12 state court chief justices, the CEO of LegalZoom, a Microsoft Corp. in-house lawyer and numerous academics.
The following month, in a podcast on the Legal Talk Network, commission chairman Martinez sounded optimistic that the profession might change. “There’s room in this space to think differently about how we provide legal services,” she said. “This has the potential for sea change.”
Some of the profession’s rules, she said, serve as barriers that don’t protect the public. “We’re making sure that lawyers understand what services aren’t needed to be delivered by a lawyer and can in fact be delivered by somebody else.”
Martinez also noted that some lawyers might have trouble adjusting to a new model: “[There] will be some pain for those not alert and ready for change.”
Martinez could not be reached for comment.
The United Kingdom has already allowed some of the changes that are being fought over in the United States. In 2007 it passed the Legal Services Act, which permits so-called alternative business structures in the practice of law. The U.K. law breaks down many of the barriers that prevented nonlawyers from providing legal services or supplying capital to legal service providers.
Stanford Law School professor Deborah Rhode, who co-chaired last year’s summit and who directs the Center on the Legal Profession at Stanford University, called the May gathering an “extraordinary show of support for innovation” by ABA leadership. Four past, current and future ABA presidents attended, she noted.
“The major challenge for the ABA is how to get the rank and file behind some of these innovative initiatives,” she said. “A lot of lawyers feel very threatened.”
Rhode criticized the organized opposition against Resolution 105. “It’s such a mindless reflexive response,” she said. “This [change] is coming whether the bar likes it or not. Sticking their heads in the sand and trying to block even such an unobjectionable compromise position [in Resolution 105] seems a step in the wrong direction.”
She added, “This is why I titled my book ‘The Trouble with Lawyers,’” referring to her 2015 book critiquing the profession.
“I don’t think it’s fair to say that everyone who has concerns is sticking their heads in the sand,” said Locke Lord’s Stevenson, the Texas bar president. “A lot of criticism has been very nuanced and raises some issues that need to be addressed.”
City of Springfield Banned all Foreclosures! How Will The Supreme Court Rule On That?

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on September 04, 2014 at 3:35 PM
MASSACHUSETTS SUPREME JUDICIAL COURT
- Massachusetts couple convicted of harassing neighbors with fake Craigslist ads, emails says actions protected by First Amendment
- Man convicted of murdering Springfield exotic dancer in 1984 has 5th request for new trial rejected by Massachusetts Supreme Judicial Court
- Suffolk D.A. appeals after judge finds defendant not guilty without hearing any evidence
- Geraldine Hines nominated to Massachusetts Supreme Judicial Court; would become 1st black woman on state’s highest court
- After diverse career, Ralph Gants confirmed as chief justice of Massachusetts Supreme Judicial Court
BOSTON – A group of Western Massachusetts banks argued before the state’s highest court on Thursday that the city of Springfield’s anti-foreclosure ordinances should be overturned.
The banks say the local ordinances contradict state laws, and a bond levied on lenders constitutes an illegal tax. “It’s not that banks are opposed to mortgage laws and reform, but to how it’s being done,” said Craig Kaylor, general counsel for Hampden Bank, one of the banks that brought the lawsuit. “These are for the state to decide, not city by city.”
But the city disagrees and says the laws are necessary to avoid blight and protect neighborhoods that have high rates of foreclosure.
“This is the city’s response to the foreclosure crisis,” said Springfield Assistant City Solicitor Thomas Moore, who argued the case before the Supreme Judicial Court. “It’s a response from the city council and mayor based on what they see every day in the city. They’ve taken the strongest stance to protect homeowners and the city itself.”
The city of Springfield passed two anti-foreclosure ordinances in 2011 as the city was being hit hard by the mortgage foreclosure crisis. One ordinance requires a bank that forecloses on a home to pay for a $10,000 bond, which can be used by the city to maintain the foreclosed properties, if the bank fails to do so.
The other ordinance requires the establishment of a mandatory mediation program to help homeowners facing foreclosure. The bank would be responsible for paying most of the cost of the mediation.
Springfield is among the top cities in the state in the number of distressed properties it has. The city says high rates of foreclosures lead to health and education problems for children in families that lose their homes, and high rates of blighted or vacant properties lead to crime and violence in those neighborhoods.
Six western Massachusetts banks, with Easthampton Savings Bank as the lead plaintiff, challenged the ordinances. A U.S. District court judge upheld the ordinances. However, on appeal, the U.S. Court of Appeals issued a stay preventing Springfield from enforcing them. The federal court then asked the Supreme Judicial Court, the state’s highest court, to answer two questions related to state law before the federal court makes its ruling. The case is Easthampton Savings Bank and others vs. City of Springfield.
The SJC must decide whether the local foreclosure ordinances are preempted by existing state foreclosure laws. The court must also decide whether the $10,000 bond is a legal fee or an illegal tax. Cities and towns cannot create taxes without legislative approval.
The banks also argue that the ordinances violate the contract clause of the U.S. Constitution by impairing the contract between the homeowner and the mortgage-holder, a question that remains before the federal court.
During Thursday’s arguments, Tani Sapirstein, an attorney representing the banks, argued that the bond is a tax because banks do not get any particular benefit from paying it – which is the criteria for calling something a fee. The way the bond works is when a foreclosed property is sold, if the city did not have to use the bond money to maintain it, $9,500 would be returned to the bank and $500 is kept by the city as an administrative fee, used to maintain blighted properties and implement the foreclosure laws.
Chief Justice Ralph Gants questioned Sapirstein on whether the bank does not actually receive benefits. “You have an interest in preserving the value of your property,” Gants said. “If there are foreclosed properties going to hell all around your property, it diminishes the value of your property and diminishes the value of what you receive on the foreclosure. Why is this concern about avoiding blight not something that would benefit the bank as well as the city?”
Sapirstein replied that eliminating blight would benefit the bank “as well as the city and other property owners in the neighborhood.” “How is that a particularized benefit?” she said.
Moore argued that the bond is a fee, which the city needs to hire code inspectors and create a database of who controls foreclosed properties.
But Justice Geraldine Hines said if she pays for a copy of her birth certificate, she gets a document in return for the fee. “Here I don’t see that,” she said. “The property owners, the mortgagees, don’t have something tangible.”
Moore said the banks get a “well-regulated industry” and preservation of their property values. In addition, when a bank registers ownership in the database, the city knows who is responsible and problems can be resolved more easily.
Sapirstein also argued that local law cannot require more than state law in an area that is regulated by the state or the result would be “a patchwork of ordinances.”
Gants indicated that the court may move to narrow the ordinances – for example, applying them only to a bank that has taken possession of a house, not a bank that is in the process of foreclosure when the homeowner is still living there. Gants said the ordinance as written could fine a bank for not maintaining a property where the homeowner still lives. As a homeowner, Gants said, “I’d say I’m still living here. This is my home. How can they be punished for not invading what’s still my home just because they happen to be foreclosing on it?” Gants said.
Moore acknowledged that the ordinance may be overbroad and said the city does not anticipate pursuing a violation in a case like that. Moore said the lenders’ lawsuit is premature because there is no information yet about how the city will enforce the laws. “We have the lenders essentially saying the sky will be falling, we are worried about x, y, z happening. None of that has happened and none of that may happen,” Moore said.
Moore said the city is still writing the regulations for the ordinances and if they are upheld, “The city is ready to go forward with implementation within a period of weeks.”
Similar foreclosure ordinances were established in Lynn and Worcester, and local banks challenged those as well. That lawsuit is pending in U.S. District Court in Worcester. The case involving Lynn and Worcester could be affected by the SJC’s ruling in the Springfield case.
Several activists supporting homeowners came in from Lynn and Springfield to hear the arguments. Candejah Pink, a Springfield homeowner and community organizer battled foreclosure for four years before reaching an agreement to keep her home. She helped write the Springfield ordinances. Pink said the bond is there to ensure that homes are maintained, which keeps crime and violence down. The mediation program, she said, is important to help homeowners come to an agreement with lenders. “We’re not asking to live in our homes for free. We’re asking for some mediation,” she said.
The Epitomy of Stupidity – Southern Company Has Learned Nothing From Fukushima!
Cost overruns and schedule delays at proposed new reactors in GA, SC, and TN
Aerial image of Vogtle nuclear power plant in GA, showing the operational Units 1 and 2, as well as the construction site for the proposed Units 3 and 4. Photo credit: High Flyer.We told them so. As the environmental movement warned 14 years ago, when the nuclear relapse was hatched by the Bush/Cheney administration, proposed new reactors at Vogtle 3 & 4 in Georgia, Summer 2 & 3 in South Carolina, and Watts Bar 2 in Tennessee are suffering major cost overruns and construction schedule delays.
Southern Alliance for Clean Energy (SACE) has published an update on Vogtle 3 & 4, which currently are suffering a 21-month schedule delay, and $1.4 billion cost overrun. The delays could well get worse, at a staggering cost increase of $2 million per day of delay!
Similarly, as reported by SRS Watch, delays of up to three years, and cost overruns topping $500 million, are afflicting the Summer 2 & 3 proposed new reactors in SC.
Note that those April 1st projected opening dates for the new reactors at Voglte and Summer, listed in the updates above, are no April Fool’s joke. GA and SC ratepayers are already being gouged for the new reactors’ troubled contstruction, on their electricity bills.
Vogtle 3 & 4’s financial risks also now implicate federal taxpayers, in the form of a $6.5 billion loan guarantee, likely to soon grow to an $8.3 billion loan guarantee. This is compliments of the Obama administration. So, if Vogtle 3 & 4 default on their loan repayment, federal taxpayers will be left holding the bag. This is 15 times more taxpayer money at risk than was lost in the Solyndra solar loan guarantee scandal. And that risk, of Vogtle 3 & 4 defaulting on its loan repayment, was judged, years ago, by the likes of the Congressional Budget Office and Government Accountability Office, as a much greater risk than Solyndra defaulting on its loan repayment.
Vogtle 3 & 4, as well as Summer 2 & 3, are Toshiba-Westinghouse AP-1000 reactors. They are experimental, never having been built before anywhere in the world, although AP-1000s are also under construction in China.
The proposed new reactor in Tennessee, that is also suffering cost overruns and schedule delays, is the Tennessee Valley Authority’s long-mothballed Watts Bar Unit 2.
To add to the irony, the existing reactors at Vogtle, Units 1 & 2, were the poster child for cost overruns in the last generation of reactor construction, coming in at 1,300% their originally estimated cost!
And the operational Watts Bar Unit 1 took 23 years to build, from 1973 to 1996!
We Are In a Tepco Perti Dish
News On Fukushima Fallout Very Bad!
Gov’t Expert: Fukushima hot particles can’t be dissolved, even with hot nitric acid! — Huge amounts of fallout are still bound to organic material… “we have very little knowledge about this” — “Reaction is irreversible” (PHOTO)
Journal of Radioanalytical and Nuclear Chemistry, Volume 295, Issue 3, 2013 (emphasis added): […] radionuclides were emitted from the FDNPP as airborne ‘hot’ particles […] Subsequent interaction of the ‘hot’ particles with water (e.g. rainfall) dissolved and strongly fixed the radiocesium on rock and soil particles, thus changing the radiocesium into insoluble forms. […] Consequently, ‘hot spots’ were studded on the rock surface rather than being uniformly distributed. […] Leaching experiments demonstrated that radiocesium in rock, soil and river suspended sediment was fairly insoluble, showing that the adsorption [binding of particles to a surface] reaction is irreversible. The micro-scale heterogeneous distribution of radiocesium […] was due to the presence of ‘hot’ particles in aerosols. […] ‘hot’ particles in the aerosols [experienced] irreversible adsorption onto the soil particle complex […]
Agricultural Implications of the Fukushima Nuclear Accident – Radiocesium Absorption by Rice in Paddy Field Ecosystems (pdf), 2013:Unexpectedly, we found that the fallout was relatively insoluble and only a small percentage of the radiocesium could be extracted by a boiling water treatment followed by nitrate leaching. We have very little knowledge about this fallout, including its chemical form and properties, but huge amounts of this relatively insoluble radioactive fallout are still bound to organic matters […]
Presentation by Yasuhito Igarashi of Japan’s Meteorological Research Institute at IAEA’s expert meeting (pdf), February 2014: Mar. 14-15 sample contained insoluble materials not only in water but hot nitric acid! […] They are insoluble; even refractory to conc. nitric acid. […] They would persist for a long time in the environment as well as in living organisms.
Scientific Reports (Nature Publishing Group) — Emission of spherical cesium-bearing particles from an early stage of the Fukushima nuclear accident, Aug. 30, 2013: We analyzed the water solubility of Cs Particle 1 by comparing the particle’s shape before and after exposure to water. The results show that there was no change in shape, suggesting that the particle was insoluble to water at least during atmospheric transportation.
American Chemical Society Publication, Analytical Chemistry — Detection of uranium and chemical state analysis of individual radioactive microparticles emitted from the Fukushima nuclear accident… (Tokyo Univ., Japan’s Meteorological Research Institute), August 1, 2014: We explored the possible sources of the 14 elements (Cr, Mn, Fe, Zn, Rb, Zr, Mo, Ag, Sn, Sb, Te, Cs, Ba, and U) found within the microparticles […] These particle natures suggest that they could have relatively long-term impact on the environment, i.e., the release of soluble radioactive Cs into the environment as these insoluble glassy particles degrade. Similar radioactive particles have been detected in soils, plants, and mushrooms […] it is probable that [these particles are] the same as the microparticles characterized in our study.
“Horror” Pacific Ocean Found to Be Dead!
“HORROR” “Pacific Ocean Now Dead From Fukushima Radiation”
https://www.youtube.com/watch?v=-1FrscZBjhc&list=TLdJ28vujOJspnMzaADNRXD7_AfpiMeO-H
Streamed live on Aug 10, 2014
http://www.thenuclearproctologist.org/ The entire 200 kilometers we checked of Canadian Pacific Coast Line was devoid of all life , recovery is highly unlikely . This presentation will be followed tonight with a Q & A session at 8 pm pacific Canada time on this same site beautifulgirlbydana . Watch the live presentation Aug
Tepco Uses The World As Radiation Experiment, to See What It Will Take To Exterminate Mankind!
Gov’t: Fuel melted “much deeper” into concrete at Fukushima reactor than revealed — Triple the depth of original estimate — Tepco: “Impossible for us to evaluate potential impact”
Published: August 8th, 2014 at 10:02 am ET
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Japan Times, Aug 6, 2014: Tokyo Electric Power Co. said Wednesday that its new estimate shows that all the fuel rods in reactor 3 at the Fukushima No. 1 nuclear power plant apparently melted down and fell onto the bottom of the containment vessel. […] According to the newestimate, all the melted fuel penetrated the pressure vessel, fell onto the bottom of the containment vessel and melted about 68 cm into the concrete. […]
Malaysian National News Agency (statutory body established by Malaysian parliament), Aug. 7, 2014: According to TEPCO’s latest analysis, nuclear fuel in the No. 3 unit reached the melting point of 2,200 degrees Celsius around 5:30 a.m. on March 13 […] it now sees the possibility that the water injection stopped around 8 p.m. the previous day. […] The melted fuel is estimated to have eroded the concrete-made reactor container by 68cm,much deeper than the 20cm estimated in November 2011, TEPCO said. But the company denied that the fuel went through the containment vessel to reach the soil.
Asahi Shimbun, Aug 7, 2014: Almost all of the nuclear fuel in the No. 3 reactor of the Fukushima No. 1 nuclear power plant melted within days of the March 11, 2011 disaster, according to a new estimate […] TEPCO originally estimated that about 60 percent of the nuclear fuel melted at the reactor. But the latest estimate released on Aug. 6 revealed that the fuel started to melt about six hours earlier than previously thought. […] TEPCO official said […] “It is still impossible for us to evaluate the potential impact (of the findings) on the decommissioning of the reactor.” […] many details of the disaster remain unknown, TEPCO is still looking into the causes of the disaster. […] TEPCO made a new estimate based on the premise that the [Unit 3] cooling mechanism stopped functioning at 8 p.m. on March 12, when the internal pressure dropped sharply. […] TEPCO said it will now consider how to remove the melted nuclear fuel from the No. 3 reactor.
We Applaud A Green Road Blog For The Information They Post!
http://agreenroad.blogspot.com/2013/09/list-of-all-genetically-linked-diseases_1674.html
List Of All Genetically Linked Diseases Caused By Low Level Radiation Exposure
HOW ARE GENETIC DISEASES CAUSED BY LOW DOSE RADIATION?
“When ionizing radiation interacts with one of the chromosomes, there are two major ways in which the information system of the cell can be permanently altered by radiation. Genes are the units of information within the chromosome. They are composed largely of the chemical known popularly as D.N.A. (deoxyribonucleic acid). Radiation can produce a chemical alteration in a part of a single gene, so that the gene functions abnormally thereafter, providing the cell with false directions. When such cells divide, the altered gene may be reproduced in the descendant cells.”
http://www.ratical.org/radiation/CNR/PP/chp3.html
RESEARCHERS KNEW IN 1926 THAT LOW DOSE RADIATION BREAKS DNA
Research done back in 1926 proved that even low doses of radiation can cause harm genetically speaking, as explained by Dr. Baxter. The nuclear ‘experts’ knew even back then that low doses of radiation were harmful to insects and human beings, but even today, the nuclear ‘experts’ are covering this up and/or denying it, because of what this would mean for the nuclear industry. For more information about how and why this works, click on the link below.
Global Corporations And The 1%; Art And Science Of Deception
http://agreenroad.blogspot.com/p/corporations-art-and-science-of.html
What genetic diseases are linked to radiation? Scroll down to see the full list of all known genetic diseases.
Remember, any one of these genetic ‘diseases’ can be caused by exposure to low doses of radiation, such as X-rays, depleted uranium, low doses of radiation from a nuclear accident or nuclear bomb testing radiation fallout.
Uranium Mining and Enrichment – Nuclear Bomb -Nuclear Fuel Manufacturing
http://agreenroad.blogspot.com/p/uranium-mining-and-enrichment.html
MEDICAL DOCTOR EXPLAINS DANGERS OF LOW DOSE RADIATION
In the video above, listen to Dr. Helen Caldicott MD talks about the damaging health effects of radiation, and an estimate of what it would cost if a nuclear accident happened in the USA. Actually, due to nuclear power plants, DU weapons, 2,400 open air nuclear bomb tests, and medical use of radioactive isotopes, we are living in the equivalent of low level global nuclear war, and everyone is being damaged on a genetic level by internal low dose radiation. Just because man made radioactive elements released by all of these sources are invisible, does not mean it is harmless.
It is estimated that 40 to 60 million deaths have already resulted from the 2,400 open air nuclear tests, and multiples of that number in terms of diseases and genetic diseases caused by the low dose radiation.
40 – 60 MILLION Deaths Due To Global Open Air Nuclear Weapons Testing 1945 to 2003; via @AGreenRoad
http://agreenroad.blogspot.com/2014/04/40-60-million-deaths-due-to-global-open.html
Everyone has man made radiation inside of them, which acts like a machine gun firing in all directions on a cellular level, 24 hours a day, 365 days per year.
Background Radiation Has Increased 600 Percent – 1 mSv In 1950 To over 6 mSv In 2014; Where Is This Coming From?
http://agreenroad.blogspot.com/2014/03/background-radiation-has-increased-600.html
LOW DOSE RADIATION DOES DNA DAMAGE, SHOWS UP YEARS LATER
Dr. Caldicott MD explains how the cancers and genetic diseases caused by man made radioactive elements do not show up right away. These diseases and cancers have an incubation time of many years, before they actually show up. Genetic diseases caused by low dose radiation damaging the chromosomes in eggs or sperm often do not show up until the next generation, or in the case of recessive genes, the genetic diseases do not show up until multiple generations in the future.
Links Between Chronic Fatigue From Ionizing Radiation And Cancer/Leukemia; via @AGreenRoad
http://agreenroad.blogspot.com/2013/05/links-between-chronic-fatigue-from.html
DNA DAMAGE INCREASES WITH EACH GENERATION
Dr. Caldicott MD also says that genetic diseases that the radiation causes get worse with each succeeding generation, as the radiation keeps damaging genes, and those damaged genes get passed on through each generation.
Depleted Uranium, X Ray’s, Low Dose Radiation, And Effect On Health, Aging, DNA, RNA, Future Generations; via @AGreenRoad
http://agreenroad.blogspot.com/2014/04/depleted-uranium-x-rays-low-dose.html
Dr. Rokke Former Military Reveals Dangers Of DU Dust; via @AGreenRoad
http://agreenroad.blogspot.com/2013/09/dr-rokke-former-military-reveals.html
MEDICAL AND NUCLEAR SCHOOLS DO NOT TEACH LOW DOSE RADIATION HAS HARMFUL EFFECTS
Medical schools and nuclear technology courses in colleges that train the nuclear ‘experts’, do not teach the negative genetic effects of low dose radiation or the harm that it causes to health. They also do not teach the harmful effects or symptoms of low dose radiation. Why not? As a matter of fact, most doctors and nuclear experts are taught to believe in the hormesis theory, that radiation is actually good for you. Around Fukushima, the medical authorities are claiming that smiling will protect residents from radiation.
Rachel Maddow – Hormesis Promoting Republican Art Robinson Wants To Sprinkle Radioactive Waste From Airplanes Over Cities? via @AGreenRoad
http://agreenroad.blogspot.com/2013/08/rachel-maddow-hormesis-promoting.html
Hormesis; What Does Not Kill You, Is Good For You
http://agreenroad.blogspot.com/2012/05/hormesis-what-does-not-kill-you-is-good.html
In his book; “NUCLEAR RADIATION: THERE IS NO SAFE DOSE, by Dr. Romeo F. Quijano, M.D., says that; “Government “experts” are actually misinterpreting the standards used world-wide as the common basis for radiological protection standards……The concept of “permissible” or “acceptable” level is derived from toxicologic assumptions and extrapolations which do not constitute a valid rationale for a conclusion of “safety”……The “small” amount of radiation, claimed to be “safe” by authorities, added to our increasingly fragile environment will cause serious harm to the health of human beings and other living organisms all over the world. Radioactive particles, especially Plutonium, Strontium, and Cesium are bioaccumulative, extremely persistent and highly toxic…..Particularly devastating would be the inevitable damage to the genetic pool which will lead to an increase in the number of seriously defective offspring who will be born in future generations.”
http://www.abs-cbnnews.com/insights/04/01/11/nuclear-radiation-there-no-safe-dose
Quotes From Famous People About Nuclear Energy, Weapons And Low Dose Radiation Dangers; via @AGreenRoad
http://agreenroad.blogspot.com/2013/07/quotes-from-famous-people-about-nuclear.html
Low Dose Radiation Dangers/Symptoms For Children And Adults
http://agreenroad.blogspot.com/p/low-dose-radiation-dangers-for-children.html
Low Level Nuclear Radiation In Food And Water
http://agreenroad.blogspot.com/p/low-level-nuclear-radiation-in-food-and.html
“…When the DNA of germ plasm is affected by radiation it can result in chromosomal diseases, such as trisomy 21, more commonly known as Down’s Syndrome. Mentally retarded children, victims of Down’s Syndrome, have been reported in Kerala, India, an area of high natural radioactivity.[7] Recently, cases of Down’s Syndrome have been tentatively linked to women exposed to radioactive releases from the large plutonium fire at Sellafield (Windscale) in 1957.[8] While Down’s Syndrome babies have long been associated with births to older women (those with higher accumulated exposure to natural background radiation),[9] the Sellafield-related cases involve women with an average age of 25 years….”
http://www.ratical.org/radiation/inetSeries/NIDcell.html
“BOTH point mutations and structural aberrations of chromosomes are induced by ionizing radiations, causing genetic variation and abnormalities in man and other organisms.,,,“During an epidemiological study of nodular lesions of the thyroid in this area, we noticed an apparently high prevalence of Down’s syndrome and other forms of severe mental retardation. We therefore made a house-to-house survey of developmental abnormalities in this area and in a comparable control area without high background radiation (Fig. 1). We also determined the frequency of chromosome aberrations in a sample of the normal population living in the study and control areas. The observations we report here support the view that radiation-induced genetic anomalies occur with above average frequency in the population living in the area with high background radiation.
Nature 262, 60 – 61 (01 July 1976); doi:10.1038/262060a0
Down’s syndrome and related abnormalities in an area of high background radiation in coastal Kerala
N. KOCHUPILLAI, I. C. VERMA, M. S. GREWAL & V. RAMALINGASWAMI
http://www.nature.com/nature/journal/v262/n5563/abs/262060a0.html
Radiation of the reproductive organs induces genetic mutations in the sperm and eggs, increasing the incidence of genetic diseases like diabetes, cystic fibrosis, hemochromatosis and thousands of others over future generations. Recessive mutations take up to 20 generations to be expressed.”
http://www.helencaldicott.com/2013/11/radiation-fears-are-real/
LIST OF ALL GENETIC DISEASES CAUSED BY MAN MADE RADIATION
Here are some of the most commonly found genetic diseases. But the full list of over 1,000 genetic diseases is available below via the link you can click on.
To give just one example out of the thousands out there, pulmonary fibrosis can be caused by radiation, per this study…
http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2675823/
This one website above provides many studies proving the harm that low dose radiation causes, such as the ones below.
Disorder | Mutation | Chromosome |
---|---|---|
22q11.2 deletion syndrome | D | 22q |
Angelman syndrome | DCP | 15 |
Canavan disease | 17p | |
Charcot–Marie–Tooth disease | ||
Color blindness | P | X |
Cri du chat | D | 5 |
Cystic fibrosis | P | 7q |
Down syndrome | C | 21 |
Duchenne muscular dystrophy | D | Xp |
Haemochromatosis | P | 6 |
Haemophilia | P | X |
Klinefelter syndrome | C | X |
Neurofibromatosis | 17q/22q/? | |
Phenylketonuria | P | 12q |
Polycystic kidney disease | P | 16 (PKD1) or 4 (PKD2) |
Prader–Willi syndrome | DC | 15 |
Sickle-cell disease | P | 11p |
Tay–Sachs disease | P | 15 |
Turner syndrome | C | X |
To see the full list of many more genetic diseases listed, go to; http://en.wikipedia.org/wiki/List_of_genetic_disorders
“There are now more than 2,600 genetic diseases on record, any one of which may be caused by a radiation-induced mutation, and many of which we’re bound to see more of, because we are artificially increasing background levels of radiation….Nuclear power is neither clean, nor sustainable, nor an alternative to fossil fuels — in fact, it adds substantially to global warming.” Dr. Caldicott MD
http://www.nytimes.com/2011/05/01/opinion/01caldicott.html?_r=0&pagewanted=print
In the video above, Kevin Blanch talks about the genetic effects of nuclear radiation.
HEALTHCARE COSTS WILL RISE IN FUTURE DUE TO INCREASING RADIATION DAMAGE
Are we really able to afford the health care costs for unlimited future generations when this small spinning dust mote in space is being increasingly contaminated and radiated by hundreds of man made toxic, heavy metal radioactive elements created by humans? Dr. Helen Caldicott MD talks more about the dangers of radiation in the following video..
http://www.youtube.com/watch?v=u-Of-3VontE&feature=share
Man made radiation is spreading all around the world and it is causing harm, from multiple sources. If you do not believe Dr. Caldicott MD, maybe the Veterans Administration will convince you. Veterans exposed to low dose radiation from the atomic bomb tests are being compensated for harm caused by that radiation. The VA has accepted as fact that certain diseases are caused directly by low dose radiation, and lists them on their website. Nuclear workers are also being compensated for the harm caused to their health by low dose radiation exposure from the US government. Lawsuits have been won by radiation exposure victims, where they had to prove harm in court, as proven in the link below.
Veterans Compensated For Exposure To Depleted Uranium Radiation/Poison; What About Everyone Else? via @AGreenRoad
http://agreenroad.blogspot.com/2013/04/veterans-compensated-for-exposure-to_30.html
300,000 Atomic Bomb Testing Veterans and 1 Million Agent Orange Victims; via @AGreenRoad
http://agreenroad.blogspot.com/2012/04/atomic-bomb-testing-veterans.html
How Can A Radiation Exposure Victim Get 10 Million Dollars As Compensation For Health And Property Damage? via @AGreenRoad
http://agreenroad.blogspot.com/2014/04/how-can-radiation-exposure-victim-get.html
MAN MADE RADIATION TEARS APART THE FABRIC OF LIFE
Why is the military industrial complex and the nuclear industry deliberately creating those things that tear the fabric of life apart on a genetic level for all living things? Wouldn’t you agree that what the nuclear and military industrial complex are doing is like lemmings rushing off a cliff and committing suicide via man made radiation?
End
List Of All Genetically Linked Diseases Caused By Low Level Radiation Exposure; via @AGreenRoad
http://agreenroad.blogspot.com/2013/09/list-of-all-genetically-linked-diseases_1674.html
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Uranium Mining and Enrichment – Nuclear Bomb -Nuclear Fuel Manufacturing
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Low Level Nuclear Radiation In Food And Water
http://agreenroad.blogspot.com/p/low-level-nuclear-radiation-in-food-and.html
Effects Of Internal Low Level Nuclear Radiation
http://agreenroad.blogspot.com/p/effects-of-internal-low-level-nuclear.html
Animals and Low Level Radiation Effects
http://agreenroad.blogspot.com/p/animals-and-low-level-radiation-effects.html
Nuclear Reactor Recertification
http://agreenroad.blogspot.com/p/nuclear-reactor-recertification.html
Long Term Storage Of Nuclear Fuel, Nuclear Waste
http://agreenroad.blogspot.com/p/recycling-or-long-term-storage-of.html
Why All Nuclear Power Plants Must Be Shut Down
http://agreenroad.blogspot.com/p/why-all-nuclear-plants-must-be-shut-down.html
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Posted 1st September 2013 by Dr. Good Heart
Labels: accident Caused By exposure Fallout Genetically Linked Diseases ionizing list Low Level nuclear bombRadiation
Are People Really So Ignorant, That They Don’t Know That We Have Been Murdered By Japanese and US Govt. Failures to Act?
NHK: Fukushima radiation still circling globe — Levels consistently rise and fall in 40-day cycle (VIDEO)
Published: May 28th, 2012 at 10:03 pm ET
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Radioactive materials spread from Fukushima plant
NHK
May 28, 2012
Japanese scientists say radioactive substances from the FukushimaDaiichi nuclear power plant may have been dispersed all around the globe in about 40 days.A research team led by Akira Watanabe, a Fukushima University professor and meteorologist […] say the overall density is declining, but continues to rise and fall alternately in a 40-day cycle.
They say radioactive materials from the Fukushima plant fell to the ground in various parts of the world, carried by atmospheric air flows, and then gradually decreased.
[…]
Watch the video here
Published: May 28th, 2012 at 10:03 pm ET
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Related Posts
- Japan TV: Fukushima radioactive plume is circling earth every 40 days — Fallout still showing spikes (VIDEO) September 27, 2012
- Iodine-131 levels rise 350km from Fukushima at sewage plant — Radionuclides “starting to transform into other substances, such as tellurium has transformed into iodine” -Local Official (VIDEO) March 31, 2012
- Mayor: “White ashes” began to fall after Fukushima explosion… not black — “I sensed this was lethal” (VIDEO) September 16, 2012
- Japanese musicians film as children play barefoot in elevated radiation levels -Gawker (PHOTOS & VIDEOS) April 30, 2012
- Sharp rise in radioactive material near Reactor No. 3 – Seawater concentration triples in a day (VIDEO) May 18, 2011
“Disturbing new images from Pacific… looks like islands of plastic” 1,000 miles from coast — 7 tons and 80 ft. long, can walk on it as if
Researchers: Radioactive materials detected off California, levels spike to 400% normal — Crew then discovers ‘island’ of tsunami debris — Never seen so much garbage in ocean before — TV: “Disturbing new images from Pacific… looks like islands of plastic” 1,000 miles from coast — 7 tons and 80 ft. long, can walk on it as if land (VIDEO & PHOTOS)
Published: July 28th, 2014 at 4:09 pm ET
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Algalita Marine Research Institute Blog, July 7, 2014: Radioactive Rope — Just after midday a piece of rope was pulled aboard. As part of our logging protocol, I brought out the Geiger counter and took a reading. The ambient reading that morning had been about 30 CPM so it was a surprise
when the reader climbed, and spiked at 120 CPM – our highest reading yet.
AMRF, July 13, 2014 at 5:57a: Charlie spotted a black spot on the horizon he thought looked to be something industrial […] By the time we were several hundred meters away, we could see a series of black buoys, maybe 70 of them, with a few orange floats mixed in as well. To be less conspicuous and not disturb whatever might be living in, on, or around it, Jesus rowed us in for final approach […] It was amazing to see the school of more than 50 mahi mahi […]
AMRF, July 13, 2014 at 8:12p: Alguita and Crew spent the night moored to the approximately 7 ton island [and] mapped the island this morning using […] a tape measure to get its size […] It would be capable of causing considerable damage to even large ships. […] The plastic debris the island has accumulated is substantial […] For years I have been telling people that there is no such thing as a “plastic island” in the Pacific Gyre. I now have a map of one that has
aspects of permanence, a metal anchor 40 feet deep, solid rope beaches, some of which you can walk on as if you were on land.
AMRF, July 27, 2014: [The] Lantern fish or ‘myctophids’ […] stomach contents were analyzed and no obvious plastic particles were found, which is interesting and a bit surprising. The liver size and color is significant as it indicates a response to pollutants – the lighter color liver likely suggesting more exposure to pollutants.
ABC 7, July 15, 2014: Disturbing new images from the Pacific Ocean, what looks like islands of plastic […] “They found a lot more plastic farther away from the area that’s called the ‘Great Pacific Garbage Patch’ than they’ve ever seen. So they ran across it sooner than they expected, and it was a lot of debris,” said Algalita Executive Director Marieta
Francis. […] They’re… taking samples to determine… whether the livers of fish… are riddled with toxins […]
89.3 KPCC, July 21 2014: Island of trash discovered in Pacific 1,000 miles off California coast […] The mass is made up of fishing gear, nets and buoys that are believed to have come from [Japan’s] 2011 tsunami […] it has […] become so compact and large that researchers were able to stand on it in places. “It’s 80 feet long. It’s about 30 feet across in some places. If you were looking down from above, it would look like an island floating in the middle of the ocean,” said Marita Francis […] it’s the first time her organization has seen something like it. […] the researchers […] saw more instances of garbage on this trip than ever before. “On this expedition, they’ve seen more debris in the ocean than they’d ever seen before,” Francis said.
Published: July 28th, 2014 at 4:09 pm ET
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Related Posts
- RTT: Japan alerts U.S. and Canada on possible clogging of shorelines — CNN: Tsunami debris makes its way into Hawaii wildlife… Plastic spilling out of stomach (VIDEO) March 15, 2013
- Photo: Masking tape, plastic bags, broomsticks used on leak at U.S. nuclear plant — “We are dealing with unknown territory here which has never been explored before” April 30, 2013
- New gap developing far from sinkhole? Officials appear focused on area in most of today’s hi-res images (VIDEO & PHOTOS) October 23, 2012
- Agency: Dead Conjoined Baby Gray Whales found on West Coast of N. America — Could be first ever recorded — 2 heads and 2 tails, joined in middle (PHOTOS & VIDEO) January 7, 2014
- Official: Breach at Fukushima reactor blamed on saltwater corrosion — Over 75 tons of highly radioactive liquid flowing out everyday (PHOTOS & VIDEO) May 29, 2014
They Can’t Blame Wolves For the “Big, Big Decline in Caribou
Gov’t reports “big, big decline” in Alaska caribou — “Mortality very high” after Fukushima releases began — “Low survival rate” for calves also in 2011 and 2012 — Official: “Worrisome” how quickly this happened… In truth, we don’t have an answer why (AUDIO)
Published: July 23rd, 2014 at 6:00 pm ET
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Alaska Department of Fish and Game, July 2014: Alaska‘s largest caribou herd, the Western Arctic Herd, numbered about 235,000 animals as of July 2013 […] That’s down from 325,000 caribou estimated in the 2011 census […] The recent census indicates a decline of about 27 percent [actually 27.7%] since 2011. Mortality was very high during 2011-2012 […] In addition to high adult cow mortality during 2011-2012, survival of calves born during 2011 and 2012 was relatively low.
Jim Dau, ADF&G biologist who has worked with the herd for more than 25 years: “The herd size right now, as of 2013, was 235,000 caribou, and that’s down about 27% since 2011 — so, a big, big decline in the last two years.”
Alaska News Miner, May 12, 2014: During 2011-12, there was a high mortality rate for adult cows and a low survival rate for calves […] “I’m often asked, ‘Why the decline?’ In truth, we don’t have data to completely answer that question” [said Dau.]
2011 census data from the ADF&G: [The Western Arctic caribou] numbered about 325,000 animals […] a five percent decline [actually 6.4% — roughly 3% per year] since the last census was completed in July 2009 [348,000 animals], and a continuation of the four to six percent annual decline.
The Arctic Sounder, Dec. 12, 2013: [Dau] added that it’s “worrisome” how quickly mortality rates are changing from year to year. While calf production is up, the calf survival rate is going down, he said. And mortality rates for adults, especially cows, has increased.
Listen to the KNOM broadcast on the decline here
Published: July 23rd, 2014 at 6:00 pm ET
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Remember, Don’t Rice, Don’t Eat Seafood, Don’t Eat Anything From Japan, West Coast, Mexico, Alaska, or Canada
Officials: Radioactive material released into air from Fukushima plant, areas far away being contaminated — Gov’t tracking plumes using emergency prediction system — “Large amount” of radioactive substances will soon be released (PHOTOS & VIDEO)
http://enenews.com/officials-radioactive-substances-released-from-fukushima-plant-areas-far-away-being-contaminated-govt-tracking-plumes-using-emergency-prediction-system-large-amount-of-radioactive-substaPublished: July 14th, 2014 at 4:08 pm ET
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Kyodo News, July 14, 2014: Debris cleanup at Fukushima reactor may have contaminated rice crops [in] areas located more than 20 km from the crippled nuclear plant. Farm ministry officials said they could not deny the possibility […] A Tepco spokesman said the company does not deny the possibility that its cleanup work is to blame but added it isn’t clear whether that was the direct cause of the contamination.
NHK, July 14, 2014: Rice paddies located about 20 kilometers from the Fukushima Daiichi plant were found contaminated with radioactive cesium blown by the wind. The Fukushima Prefectural government revealed that last year’s harvested ricefrom 14 locations in the city of Minami Soma contained more than 100 becquerels of cesium per kilogram. This is beyond the government’s safety limit. […] [TEPCO] said it will increase monitoring of the spreading dust. Neither the ministry nor the utility told Minami Soma City officials the work at the plant may have contaminated the crop. City officials say they were greatly startled. They said the ministry should have explained the matter to local authorities much earlier. […] TEPCO is scheduled to conduct a large-scale debris removal work at Number One reactor. For this, it plans to disassemble covers which had been put to prevent the radioactive materials from spreading.
The Asahi Shimbun, July 14, 2014: [There’s] strong indications that earlier removal work contaminated rice paddies far from the stricken facility […] Although the utility has since suspended its clearing operations at the plant, the company plans to soon dismantle a cover installed on the No. 1 reactor building, where highly contaminated debris remains to be removed. TEPCO has not told the public about the ministry’s findings. […] the ministry concluded that the radioactive substances had been newly released […] The ministry is pointing to Aug. 19, when […] dose rates increased at five measuring points 2.8 to 8.3 km north-northwest […] the System for Prediction of Environmental Emergency Dose Information (SPEEDI) estimated that the released particles would reach the city within three hours. […] the utility said it has yet to learn how far the released particles spread. The company said its plans to dismantle the cover on the No. 1 reactor building will be the fastest way to remove wreckage from the site. TEPCO […] acknowledged that the procedure will still lead to the release of a large amount of radioactive substances, and the spread of the substances will depend on the weather and the wind direction.
PHOTO CAPTION: “The black spots on rice harvested in Minami-Soma, Fukushima Prefecture, show radioactive substances.”
Published: July 14th, 2014 at 4:08 pm ET
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Related Posts
- Study: Multiple surges of radioactive substances detected far from Fukushima Daiichi — Over 10,000 times usual levels at plant — Mayor: Gov’t knew but never told us, they can’t be trusted — Worst may be yet to come; Risk of ‘much broader’ contamination — CBS: “Many miles away… spike in cesium detected this week” July 17, 2014
- Japan Headline: ‘Radioactive substances may have escaped Fukushima plant earlier’ than was admitted by Tepco, possibly through valves — Contaminated water released into atmosphere from rainfall? September 17, 2013
- CBC: Radioactive particles arrive ‘far earlier than predicted’ for N. America — Mag: ‘Plumes stretch 4,800 miles across ocean!’ — Experts: There’s great alarm… Legitimate concern… Expected to dilute, but don’t really know — US Govt: ‘Monitoring beaches for debris from Fukushima nuclear disaster’ (VIDEO) February 28, 2014
- Tepco: Trench connected to Unit No. 2 is what’s contaminating groundwater at Fukushima — Has extremely high levels of over 3 billion Bq/liter of radioactive substances — Water is flowing in from reactor building (VIDEO) August 12, 2013
- TV: “Extremely high levels of radioactive substances” leaked Wednesday night at Fukushima plant — 25 trillion becquerels of Strontium-90 and other beta emitters estimated to have flowed out — “Investigation is still underway” (VIDEO) February 19, 2014
Hell, We Know We Are Killing the Pacific, As Well As the Rest of the World, Duuhh, What You Want Us To Do About It? We Have Done Nothing So Far, and It Has Worked, No One Will Make Us Do Anything!
When I was a kid, there was a cartoon. Two vultures in a tree, looking around, really bored. One says to the other: “What ya wanna do?” The other replies, “I dunno, whatya wanna do?” That is what has gone on at Fukushima. Hell, I dunno, maybe if we do nothing, nobody will know it happened. I won’t tell, if you won’t tell. What the hell?!?
The rest of the world, stands around with their fingers in their butts, and let’s them get away with it. Can you imagine the long term impact that, we as Americans are going to endure? Your great grandchildren may not even resemble a human. And yall stand around like nothing has happened? Are you sure that you were qualified to reproduce?
Think about it.
Japan Nuclear Prof.: Fukushima plant now a ‘swamp of radioactive material’ — Can’t stop pumping in more water because they don’t know where melted fuel went — Build roof over entire site? — Asahi: Continued presence of water threatens construction of ice wall around reactors
http://enenews.com/japan-nuclear-prof-fukushima-plant-is-now-a-swamp-of-radioactive-material-cant-stop-pumping-in-more-water-because-tepco-doesnt-know-where-melted-fuel-went-build-roof-over-entire-site-Published: July 13th, 2014 at 9:15 pm ET
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Interview with Professor Hiroaki Koide, Kyoto University Reactor Research Institute, translated by Fukushima Diary, July 13, 2014: Fukushima plant is now like a swamp of radioactive material due to the contaminated water […] Tepco should quit cooling with water since one year ago. However from Tepco’s assumption, it is impossible to shift to air cooling because they can’t identify the exact locations of molten fuel.
More from interview with Professor Koide, translated by Google: I think of that accident of Fukushima […] the human race has been encountered for the first time […] Rather than the cooling in the water, should switch as soon as possible to the cooling method of another I think. […] I thought the most part rain is falling on the site […] so, I cut off the rain. In other words, it is such as paving the entire site. I think I think in some cases, that I would build a roof on the entire site […] in the premises of the Fukushima Daiichi nuclear power plant, but is in a state such as the swamp of radioactivity […]
Asahi Shimbun, July 9, 2014: 11,000 tons of contaminated water [are in] underground trenches connected to the No. 2 and No. 3 reactor turbine buildings. […] contaminated water began seeping into them after the onset of the March 2011 nuclear crisis. If the contaminated water is not removed from the trenches, it could eventually leak out. The Nuclear Regulation Authority instructed TEPCO to promptly remove the water, calling it the “most serious source of concern.” […] But TEPCO officials said the ice walls failed to form because of the constant flow of a maximum 2 milliliters of water per minute around the connecting points. Toyoshi Fuketa, an NRA commissioner, has instructed TEPCO to come up with steps to resolve the matter by the end of July, arguing that the frozen walls should be able to withstand certain levels of water flow under normal circumstances. The continued presence of water threatens to prevent the creation of outer frozen soil walls encircling the No. 1 through No. 4 reactors, which are a central part of TEPCO’s plans to reduce the amount of contaminated water at the plant.
Full interview with Prof. Koide available here (Japanese only)
Published: July 13th, 2014 at 9:15 pm ET
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Related Posts
- Japan TV ‘News Flash’: Officials fear melted reactor fuel is now exposed at Fukushima — Tepco: We don’t know at this point if fuel is uncovered — Large drop in water level — Experts ‘struggling’ to find condition of nuclear cores, nothing is known for all 3 reactors (VIDEO) June 10, 2014
- Japan Nuclear Expert: “Containment vessel continued to break at various spots, one after another” from Fukushima melted fuel — “It lost the protective wall which seals in radiation” (VIDEO) March 13, 2013
- TV: Trouble reported with inner ‘ice wall’ at Fukushima; Highly radioactive water underground won’t freeze — Tepco: “We can’t make temperature low enough” after trying for months; Fluctuating water levels beneath Unit 2 blamed — Expert: Ground can liquify around reactors, form sinkholes (VIDEO) June 17, 2014
- PBS: Engineers believe Fukushima’s nuclear fuel melted right through the containment vessels, where it’s contacting ground water — Expert: The fuel “melted down into ground” (VIDEO) March 1, 2014
- TV: Hundreds of tons of water in contact with melted nuclear fuel have now flooded basements at Fukushima plant — Nearly 10 Trillion Bq of Cesium — Concentration of strontium-90 and other radioactive materials not reported (VIDEO) April 14, 2014
SHEEPLE AWAKEN!!!
Once Upon a Time…. I Thought the Worst We Had To Face Was Foreclosure Hell, I WAS WRONG!
Ya know, I used to think that Foreclosure Hell was the worst thing we in this Country had to face. Wow, Was I Wrong!
I didn’t realize that just like in Japan, they will cook us to death with radiation, and not even bother to tell us. I have condemned the Japanese for nuking the world and not telling us the truth about it, but fuck me, this country is doing the same thing.
While most people go about their daily business, they never think about the fact, that a pleasure of getting rained on is killing them. We are the walking dead, and being asleep to the fact is just fucking us up more.
I would apologize for my slang, no, crude language, but something needs to wake these sleeping zombies up!
So, they are not only going to take every house they can get their grimy paws on, but they are going to continue the slow kill of humankind from the planet.
It is not the kids growing up now that will suffer so much, it is like the butterfly test in Fukushima. It is the children’s children that will be riddled with deformities.
No matter what they try to tell us, we cannot be stupid, and believe that radiation is ok. The thought of believing that, well, it is, stupid. The sheeple that make up this country now, is amazing. If the government says the radiation is not hurting us, we’ll just believe them. Because the government says so? Yall need to get out from under the rock, and out of the sun, cause damn! You been drinking too much water with fluoride in it, for too long, and it has made you dumb! I take that back, it has made you dumber than dirt!
For years, they have been doing things with the weather, with our food, with our prescriptions, our health! They have taken healthy human beings and turned them into out of shape, fat slugs that have lives that are meant for cattle. Chemtrails is no lie either. What about HARP? I guess that you also believe that 911 was not an inside job.
No, I am not a conspiracy theorist, I believe in taking what is put before me, studying it, seeing it for what it is, listening to scientists, listening to experts, and deducing my own opinion. You see, we woke up. We quit drinking the tap water. We quit watching the regular news. The news media is brainwashing you sheeple, which is not hard for them to do.
Terrorists are here, they are going to get you, so we have to militarize the Police forces. These false flag shootings, are to outrage you sheeple, so that you will agree that guns are bad, and they can confiscate our guns. We are told that our rights have to be taken, so that we can be protected from the terrorists, etc.,
If you are so blind you cannot see your nose on your face, you will not notice that Fannie Mae, and the banks are throwing our elderly out on the street. Right now, in Goodyear, Arizona, an 83 year old woman and her 86 year old husband are being thrown out of their home. No one cares. In Colorado Springs, CO, an 82 year old woman is being thrown out of her home. No one cares.
What the hell is wrong with you sheeple? It’s not you, so it is Ok? The Bank With the Most Homes in the End Wins, Get Used to It!!!
Sheeple Awaken!
Neil Garfield Telling It As It Is…”Bullying As An Acceptable Way of Life – Covered By A Corporate Shell Game!
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Bundy Ranch And Rights of the American People
Bundy Update: If This Politician Has His Way, The Feds Could Start Taking Out The Militia
“Get rid of these armed separatists.”
Along with Nevada Sen. Harry Reid, state Rep. Steven Horsford has been a constant voice of opposition against those who came to his state to support Cliven Bundy against federal agents they believed were using excessive force. Despite a dearth of evidence to back up his claim, Horsford has publicly stated that militia members in the Bunkerville area have established armed checkpoints and are routinely harassing local citizens.
His latest call to rid the area of these protesters came this past weekend during comments he made at an event in a neighboring town.
According to his account, an unidentified fifth grader told him Bundy suffers from a “sense of entitlement,” which apparently prompted Horsford to once again protest the presence of armed militiamen in his district.
“And that is why I am calling on [Gov.] Brian Sandoval, Sen. Dean Heller, the sheriff and any other elected official in Nevada to do their part to get rid of these armed separatists.”
Despite the fact that Nevada law allows individuals to carry firearms, Horsford wants local law enforcement to force these concerned citizens out of the community. Furthermore, he has called for a federal investigation into the activities of the remaining protesters.
Both Sandoval and Heller are Republicans who have, to varying degrees, spoken out against the invasion of federal Bureau of Land Management agents last month in Clark County.
Heller has been more supportive of Bundy and his supporters, however, describing protesters as “patriots.”
Sheriff Doug Gillespie did not immediately comment on the latest demand made by Horsford. For his part, Sandoval offered a measured response to a question regarding whether Gillespie is planning to use force in removing the protesters.
“No,” he said, “and even if he had said that, I wouldn’t share that with you; because certainly that’s a conversation between the two of us.”
Late last week, a post on the Bundy Ranch Facebook page indicated the family was calling on protesters to join them in filing a criminal complaint against the BLM. A lengthy post published Friday offered a transcription of a statement delivered by Ammon Bundy at the Clark County Sheriff’s Office earlier that day.
Read more at http://www.westernjournalism.com/nevada-democrat-wants-feds-return-time-take-militiamen/#bBl45xzbyVYtHy0X.99
Corrupt Attorneys Being Held Accountable, Finally!
Courts
Judges Slam More and More Plaintiffs’ Attorneys for Corruption

Photograph by Miguel Alvarez/AFP via Getty Images
Peasants in Leon, Nicaragua, march in 2007 to denounce the use of harmful pesticides at banana plantations
On March 7 a California appellate court upheld a trial judge’s finding that what had been billed as a watershed liability verdict against Dole Food over pesticide use in Nicaragua was actually the product of a conspiracy by corrupt plaintiffs’ lawyers. That decision came only three days after a federal judge in New York ruled that a multibillion-dollar pollution judgment against Chevron (CVX) in 2011 was so tainted by bribery and coercion that it wasn’t worth the paper it was written on.
Meanwhile, in Texas, a prominent class-action injury lawyer faces mounting woes because of allegations that he faked thousands of damage claims against BP (BP)related to the 2010 Gulf of Mexico oil spill. When you combine these cases with the criminal convictions several years ago of plaintiffs-bar titans Mel Weiss, Bill Lerach, and Dickie Scruggs—all of whom served time for corrupting the civil justice system—it’s hard to deny that there’s deep dysfunction within a powerful portion of the legal profession that claims to fight corporate abuse on behalf of the little guy.
A look at the Dole ruling illustrates the point. The California Court of Appeal in Los Angeles affirmed dismissal of one of a series of suits filed against Dole, alleging the company’s use of pesticides in Nicaragua left banana workers sterile in the late 1970s. In all, these suits resulted in billions of dollars in judgments against Dole.
The case at issue in the March 7 ruling, known as Tellez, went to trial in 2008 and produced a multimillion-dollar verdict for workers. That verdict was thrown out when Dole’s attorneys proved that many of the plaintiffs never worked for the company and weren’t, in fact, sterile. Witnesses and investigators were intimidated in Nicaragua, and plaintiffs were coached to concoct false stories. One supposed victim testified that he was instructed to memorize and repeat phony evidence “like a parrot.”
Plaintiffs’ lawyers and law firms are major political contributors, particularly to Democrats
The California appellate court said the trial judge correctly sent the Tellez plaintiffs packing. The ruling was a win for the Los Angeles firm Gibson, Dunn & Crutcher, which has engineered the negation of multiple pesticide verdicts against Dole. That accomplishment prompted Chevron to hire Gibson Dunn to fight back against a $19 billion oil-contamination judgment imposed by an Ecuadorean court in 2011. In the Chevron case, U.S. District Judge Lewis Kaplan of New York ruled on March 4 that plaintiffs’ attorney Steven Donziger turned his Ecuadorean lawsuit against the oil company into a racketeering scheme, complete with extortion, bribery of judges, and fabrication of evidence. Donziger has denied wrongdoing and vowed to appeal.
Mass-tort and class-action securities-fraud suits reached their apogee in the 1990s, fueled in part by the energy and ingenuity of an elite fraternity of plaintiffs’ firms and individual lawyers, some of whom became phenomenally wealthy as a result of their success. There’s nothing necessarily wrong, of course, with plaintiffs’ attorneys doing well along the path to doing good, just as there’s nothing necessarily improper with corporate-defense lawyers getting richly paid.
But as the plaintiffs’ bar achieved lucrative triumphs in asbestos litigation and the tobacco cases, some of its leaders lost their bearings. Scruggs, who earned a fortune in both of those arenas, pleaded guilty in 2008 to crimes related to a judicial bribery scheme. Weiss and Lerach, impresarios of securities-fraud class actions, went to prison for paying kickbacks to shareholder plaintiffs-for-hire. Last year the Kentucky Supreme Court upheld the disbarment of Stanley Chesley, a scourge of the pharmaceuticals and chemicals industries, among others. Chesley allegedly sought “unreasonable” fees in the settlement of a diet drug class action against Wyeth, now part of Pfizer (PFE).
Mikal Watts of San Antonio ranks among the nation’s most feared mass-injury lawyers. In the wake of the BP oil spill four years ago, his firm filed some 40,000 claims on behalf of deckhands and others alleging economic harm from the disaster that killed 11 rig workers and sullied the Gulf Coast. Last December, BP hit back, accusing Watts of seeking to shake down the company by filing claims for thousands of “phantom” clients who didn’t fit his description of them or didn’t exist at all. Then, in January, another well-known mass-tort attorney, Danny Becnel of Louisiana, filed a separate suit against Watts on behalf of Vietnamese American fishermen and business owners who say Watts used their names without authorization. Watts last year resigned from the plaintiffs’ steering committee helping to direct the litigation against BP after media reports that federal agents had searched his offices in connection with the phantom-claims scandal. The federal criminal probe is continuing. Watts, a major fundraiser for the presidential campaigns of Barack Obama, has denied any wrongdoing—civil or criminal. His lawyers have said all his filings against BP were made in good faith.
Despite the egregiousness of the plaintiffs’ bar abuses, there’s little chance that Congress will enact tort reform anytime soon, says Victor Schwartz, a lobbyist for business on the issue and a partner in Washington with law firm Shook, Hardy & Bacon. Plaintiffs’ lawyers and law firms are major political contributors, particularly to Democrats, who have fought attempts to cap settlements in big corporate liability cases and class actions. Lawyers spent about $135 million in 2012 helping to elect Democrats, compared with $56 million for Republican candidates, according to the Center for Responsive Politics, which tracks political money. “There have been no major business civil justice victories [in Congress] for almost a decade,” Schwartz says. Likewise, President Obama has shown little interest in taking on attorneys who invested $28 million in his reelection effort in 2012, more than twice what they gave Mitt Romney, according to the center. And bar associations and state attorneys general rarely seek to prosecute litigation fraud, which is expensive to pursue and politically fraught. As a result, says Sherman Joyce, president of the corporate-funded American Tort Reform Association, “too many plaintiffs’ lawyers believe there’s not much risk in filing fraudulent suits.”
The bottom line: Dole and Chevron have won major court victories after federal judges ruled that plaintiffs’ lawyers engaged in fraud.
Never Ending Foreclosures
Foreclosure filings were reported on 124,419 U.S. properties in January 2014, an 8 percent increase from December but still down 18 percent from January 2013. Foreclosure filings were reported on 1,361,795 U.S. properties in 2013, down 26 percent from 2012 and down 53 percent from the peak of 2.9 million properties with foreclosure filings in 2010. But still, 9.3 million U.S. residential properties were deeply underwater representing 19 percent of all properties with a mortgage in December 2013, down from 10.7 million homes underwater in September 2013.[1]
In 2006 there were 1,215,304 foreclosures, 545,000 foreclosure filings and 268,532 Home Repossessions. By 2007 foreclosures had almost doubled – up to 2,203,295 with 1,260,000 foreclosure filings and 489,000 Home Repossessions. 2008 saw an even further increase to 3,019,482 foreclosures, 2,350,000 Foreclosure filings and 679,000 Home Repossessions. In 2009 – 3,457,643 foreclosures, 2,920,000 foreclosure filings, and 945,000 Home Repossessions. 2010: 3,843,548 foreclosures, 3,500,000 foreclosure filings, and 1,125,000 Home Repossessions. 2011: 3,920,418 foreclosures, 3,580,000 foreclosure filings, and 1,147,000 Home Repossessions. Then January to September 2012: 1,616,427 foreclosures 1,382,000 foreclosure filings and 572,844 Repossessions. The remainder of 2012 – September through December saw an additional 2,300,000 foreclosures, 2,100,000 foreclosure filings and 700,000 Repossessions. In other words, from 2006 through 2012, there were a total of 21,576,117 foreclosures; 17,637,000 foreclosure filings; 5,926,376 Home Repossessions. The foreclosures added to the repossessions is equal to: 27,502,493[2]. The numbers are staggering.
Many of the homes have been wrongfully foreclosed upon, where either the party had not been in default, or the foreclosing party lacked standing to foreclose. It has become almost as lawless as the wildwest, or comparable to a shark feeding frenzy.
[1] All of the foreclosure figures came from RealtyTrac: http://www.realtytrac.com/content/foreclosure-market-report
[2] http://www.statisticbrain.com/home-foreclosure-statistics/Statistic Verification Source: RealtyTrac, Federal Reserve, Equifax
New Legal Issues – Jeff Barnes Esq., Foreclosure Defense Nationwide
NEW LEGAL ISSUES COMING UP IN TRIAL AND APPELLATE COURTS
DECEMBER 16, 2013
December 16, 2013
With the release of the US Bank admissions per our post of November 6, 2013; the issuance of the opinions from the Supreme Courts of Oregon and Montana holding that MERS is not the “beneficiary”; and recent opinions from various jurisdictions which are now, finally, holding that securitization-related issues are relevant in a foreclosure, a host of new legal issues are about to be litigated in the trial and appellate courts throughout the country. It has taken six (6) years and coast-to-coast work to get courts to realize that securitization of a mortgage loan raises issues as to standing, real party in interest, and the alleged authority to foreclose, and that the simplistic mantra of the “banks” and servicers of “we have the note, thus we win” is no longer to be blindly accepted.
One issue which we and others are litigating relates to mortgage loans originated by Option One, which changed its name to Sand Canyon Corporation and thereafter ceased all mortgage loan operations. Pursuant to the sworn testimony of the former President of Sand Canyon, it stopped owning mortgage loans as of 2008. However, even after this cessation of any involvement with servicing or ownership of mortgage loans, we see “Assignments” from Option One or Sand Canyon to a securitization trustee bank or other third party long after 2008.
The United States District Court for the District of New Hampshire concluded, with the admission of the President of Sand Canyon, that the homeowner’s challenge to the foreclosure based on a 2011 alleged transfer from Sand Canyon to Wells Fargo was not an “attack on the assignment” which certain jurisdictions have precluded on the alleged basis that the borrower is not a party to the assignment, but is a situation where no assignment occurred because it could not have as a matter of admitted fact, as Sand Canyon could not assign something it did not have. The case is Drouin v. American Home Mortgage Servicing, Inc. and Wells Fargo, etc., No. 11-cv-596-JL.
The Option One/Sand Canyon situation is not unique: there are many originating “lenders” which allegedly “assigned” mortgages or Deeds of Trust long after they went out of business or filed for Bankruptcy, with no evidence of post-closing assignment authority or that the Bankruptcy court having jurisdiction over a bankrupt lender ever granted permission for the alleged transfer of the loan (which is an asset of the Bankruptcy estate) out of the estate. Such a transfer without proof of authority to do so implicates bankruptcy fraud (which is a serious crime punishable under United States criminal statutes), and fraud on the court in a foreclosure case where such an alleged assignment is relied upon by the foreclosing party.
As we stated in our post of November 6, the admission of US Bank that a borrower is a party to any MBS transaction and that the loan is governed by the trust documents means that the borrower is, in fact, a party to any assignment of that borrower’s loan, and should thus be permitted to seek discovery as to any alleged assignment and all issues related to the securitization of the loan. We have put this issue out in many of our cases, and will be arguing this position at both the trial and appellate levels beginning early 2014.
Jeff Barnes, Esq., http://www.ForeclosureDefenseNationwide.com
Thoughts on Foreclosures
James and I were working outside, and he called me over and we began talking about that which occupies most of out time…
Foreclosures.
Many people don’t realize it, but there are many unseen reasons that people are foreclosed on. After putting people into toxic loans, and putting those toxic loans into pools with numerous other toxic loans, there was just a matter of time before the loans would go default, we all know that, the payments would become unmanageable.
But many people, those who came to a better standing than they had been before, and being more prosperous, and even those who were not, would have gone on to refinance those loans. That could not be allowed to happen, because the loans would be paid off and the loans dissolved. How do you stop someone from refinancing their loan? Foreclose before they can.
They could not have anyone pulling the loans out of the Trusts that the loans had allegedly gone into, there was no money in the Trusts anyway. The Banksters have a way of turning everything into a matter of profit.
Foreclosure Defense Nationwide – Jeff Barnes, Esq
Jeff Barnes, Esq. On the Ball!
http://foreclosuredefensenationwide.com/?p=533
US BANK ADMITS, IN WRITING FROM THEIR CORPORATE OFFICE, THAT THE BORROWER IS A PARTY TO AN MBS TRANSACTION; THAT SECURITIZATION TRUSTEES ARE NOT INVOLVED IN THE FORECLOSURE PROCESS; HAVE NO ADVANCE KNOWLEDGE OF WHEN A LOAN HAS DEFAULTED; THAT THE “TRUE BENEFICIAL OWNERS” OF A SECURITIZED MORTGAGE ARE THE INVESTORS IN THE MBS; AND THAT THE GOAL OF A SERVICER IS TO “MAXIMIZE THE RETURN TO INVESTORS” November 6, 2013
We have been provided with a copy of U.S. Bank Global Corporate Trust Services’ “Role of the Corporate Trustee” brochure which makes certain incredible admissions, several of which squarely disprove and nullify the holdings of various courts around the country which have taken the position that the borrower “is not a party to” the securitization and is thus not entitled to discovery or challenges to the mortgage loan transfer process. The brochure accompanied a letter from US Bank to one of our clients which states: “Your account is governed by your loan documents and the Trust’s governing documents”, which admission clearly demonstrates that the borrower’s loan is directly related to documents governing whatever securitized mortgage loan trust the loan has allegedly been transferred to. This brochure proves that Courts which have held to the contrary are wrong on the facts.
The first heading of the brochure is styled “Distinct Party Roles”. The first sentence of this heading states: “Parties involved in a MBS transaction include the borrower, the originator, the servicer and the trustee, each with their own distinct roles, responsibilities and limitations.” MBS is defined at the beginning of the brochure as the sale of “Mortgage Backed Securities in the capital markets”. The fourth page of the brochure also identifies the “Parties to a Mortgage Backed Securities Transaction”, with the first being the “Borrower”, followed by the Investment Bank/Sponsor, the Investor, the Originator, the Servicer, the Trust (referred to “generally as a special purpose entity, such as a Real Estate Mortgage Investment Conduit (REMIC)”), and the Trustee (stating that “the trustee does not have an economic or beneficial interest in the loans”).
The second page sets forth that U.S. Bank, as Trustee, “does not have any discretion or authority in the foreclosure process.” If this is true, how can U.S. Bank as Trustee be the Plaintiff in judicial foreclosures or the foreclosing party in non-judicial foreclosures if it has “no authority in the foreclosure process”?
The second page also states: “All trustees for MBS transactions, including U.S. Bank, have no advance knowledge of when a mortgage loan has defaulted.” Really? So when, for example, MERS assigns, in 2011, a loan to a 2004 Trust where the loan has been in default since 2008, no MBS “trustee” bank (and note that it says “All” trustees) do not know that a loan coming into the trust is in default? The trust just blindly accepts loans which may or may not be in default without any advanced due diligence? Right. Sure. Of course. LOL.
However, that may be true, because the trustee banks do not want to know, for then they can take advantage of the numerous insurances, credit default swaps, reserve pools, etc. set up to pay the trust when loans are in default, as discussed below.
The same page states that “Any action taken by the servicer must maximize the return on the investment made by the ‘beneficial owners of the trust’ — the investors.” The fourth page of the brochure states that the investors are “the true beneficial owners of the mortgages”, and the third page of the brochure states “Whether the servicer pursues a foreclosure or considers a modification of the loan, the goal is still to maximize the return to investors” (who, again, are the true beneficial owners of the mortgage loans).
This is a critical admission in terms of what happens when a loan is securitized. The borrower initiated a mortgage loan with a regulated mortgage banking institution, which is subject to mortgage banking rules, regulations, and conditions, with the obligation evidenced by the loan documents being one of simple loaning of money and repayment, period. Once a loan is sold off into a securitization, the homeowner is no longer dealing with a regulated mortgage banking institution, but with an unregulated private equity investor which is under no obligation to act in the best interest to maintain the loan relationship, but to “maximize the return”. This, as we know, almost always involves foreclosure and denial of a loan mod, as a foreclosure (a) results in the acquisition of a tangible asset (the property); and (b) permits the trust to take advantage of reserve pools, credit default swaps, first loss reserves, and other insurances to reap even more monies in connection with the claimed “default” (with no right of setoff as to the value of the property against any such insurance claims), and in a situation where the same risk was permitted to be underwritten many times over, as there was no corresponding legislation or regulation which precluded a MBS insurer (such as AIG, MGIC, etc.) from writing a policy on the same risk more than once.
As those of you know who have had Bloomberg reports done on securitized loans, the screens show loans which have been placed into many tranches (we saw one where the same loan was collateralized in 41 separate tranches, each of which corresponded to a different class of MBS), and with each class of MBS having its own insurance, the “trust” could make 41 separate insurance claims AND foreclose on the house as well! Talk about “maximizing return for the investor”! What has happened is that the securitization parties have unilaterally changed the entire nature of the mortgage loan contract without any prior notice to or approval from the borrower.
There is no language in any Note or Mortgage document (DOT, Security Deed, or Mortgage) by which the borrower is put on notice that the entire nature of the mortgage loan contract and the other contracting party may be unilaterally changed from a loan with a regulated mortgage lender to an “investment” contract with a private equity investor. This, in our business, is called “fraud by omission” for purposes of inducing someone to sign a contract, with material nondisclosure of matters which the borrower had to have to make the proper decision as to whether to sign the contract or not.
U.S. Bank has now confirmed, in writing from its own corporate offices in St. Paul, Minnesota, so much of what we have been arguing for years. This brochure should be filed in every securitization case for discovery purposes and opposing summary judgments or motions to dismiss where the securitized trustee “bank” takes the position that “the borrower is not part of the securitization and thus has no standing to question it.” U. S. Bank has confirmed that the borrower is in fact a party to an MBS transaction, period, and that the mortgage loan is in fact governed, in part, by “the Trust’s governing documents”, which are thus absolutely relevant for discovery purposes.
Jeff Barnes, Esq.,
From Living Lies – On Stopa’s Courage, and Appellate Court’s Bias
Attorney Mark Stopa Shows Guts Confronting Appellate Court Bias
Posted on October 4, 2013 by Neil Garfield
I have just received a copy of a daring and tempestuous motion for rehearing en banc filed by the winner of the appeal. The homeowner won because of precedent, law and common sense; but the court didn’t like their own decision and certified an absurd question to the Florida Supreme Court. The question was whether the Plaintiff in a foreclosure case needs to have standing at the commencement of the action. Whether it is jurisdictional or not (I think it is clearly jurisdictional) Stopa is both right on the law and right on his challenge to the Court on the grounds of BIAS.
The concurring opinion of the court actually says that the court is ruling for the homeowner because it must — but asserts that it is leading to a result that fails to expedite cases where the outcome of the inevitable foreclosure is never in doubt. In other words, the appellate court has officially taken the position that we know before we look at a foreclosure case that the bank should win and the homeowner should lose. The entire court should be recused for bias that they have put in writing. What homeowner can bring an action or defend an action where the outcome desired by the courts in that district have already decided that homeowners are deadbeats and their defenses are quite literally a waste of time? Under the rules, the Court should not hear the the motion for rehearing en banc, should vacate that part of the decision that sets up the rube certified question, and the justices who participated must be recused from hearing further appeals on foreclosure cases.
Lest their be any mistake, and without any attempt to step on the toes of Stopa’s courageous brief on an appeal he already won, I wish to piggy back on his brief and expand certain points. The problem here might be the subject of a federal due process action against the state. Judges who have already decided foreclosure or mortgage litigation cases before they even see them are not fit to hear them. It IS that simple.
The question here was stated as the issue of standing at the commencement of the lawsuit. Does the bank need to have a claim before it files it? The question is so absurd that it is difficult to address without a joke. But this is not funny. The courts have rapidly evolved into a position that expedited decisions are better than fair decisions. There is NOTHING in the law that supports that position and thousands of cases that say the opposite is true under our system of law. Any judge who leans the other way should be recused or taken off the bench entirely.
In lay terms, the Appellate Court’s certified question would allow anyone who thinks they might have a claim in the future to file the lawsuit now. And the Court believes this will relieve the clogged court calendars. If this matter is taken seriously and the Supreme Court accepts the certified question for serious review it will merely by acceptance be making a statement that makes it possible for all kinds of claims that anticipate an injury.
It is bad enough that judges appear to be ignoring the requirement that there must be an allegation that a loan was made by the originating party and that the Plaintiff actually bought the loan. This was an obvious requirement that was consistently required in pleading until the courts were clogged with mortgage litigation, at which point the court system tilted far past due process and said that if the borrower stopped paying there were no conditions under which the borrower could win the case.
It is bad enough that Judges appear to be ignoring the requirement that the allegation that the Plaintiff will suffer financial damage unless relief is granted. This was an obvious requirement that was consistently required in pleading until the mortgage meltdown.
Why is this important? Because the facts will show that lenders consistently violated basic and advanced protections that have been federal and State law for decades. These violations more often than not produced an unenforceable loan — as pointed out in law suits by federal and state regulators, and as pointed out by the lawsuits of investors who were real lenders who are screwed each time the court enters foreclosure judgment in favor of the bank instead of the investor lenders.
It is not the fault of borrowers that this mess was created. It is the fault of Wall Street Bankers who were working a scheme to defraud investors by diverting the real transaction and making it appear that the banks were principals in the loan transaction when in fact they were never real parties in interest. Nobody would seriously argue that this eliminates the debt. But why are we enforcing that debt with completely defective mortgage instruments in a process that confirms the fraud and ratifies it to the damage of investors who put up the money in the first place? The courts have made a choice that is unavailable in our system of law.
This is also judicial laziness. If these justices want to weigh in on the mortgage mess, then they should have the facts and not the stories put forward by Wall Street that have been proven to be pure fiction, fabrication, lies and perjury. That the Court ignores what is plainly documented in hundreds of thousands of defective mortgage transactions and the behavior of banks that resulted in “strangers to the transaction” being awarded title to property — that presents sufficient grounds to challenge any court in the system on grounds of bias and due process. If ever we had a mass hysteria for prejudging cases, this is it.
Neil Garfield | October 4, 2013 at 9:26 am | Tags: bias, Mark Stopa, motion for rehearing en banc, recusal, removal of judge, standing | Categories: CORRUPTION, Eviction, foreclosure, foreclosure mill, investment banking, Investor, MODIFICATION, Mortgage, Motions, Pleading, politics, securities fraud, Servicer | URL: http://wp.me/p7SnH-5GX
Why Does No One Do Anything?
Protesters Turned Into Those Whom They Were Protesting SUX!
BY NOOTKABEAR ON SEPTEMBER 30, 2013
You know, I have been thinking a lot lately about why it is that the Protesters from the 60′s and early 70′s are really pissing me off nowadays. They act like a bunch of sheep or cattle. The whole country is running amock and nobody says a damned thing about it. IT SUX!
I have come to the realization that the Protesters from the 60′-70′s turned into the very thing they were protesting, except even more so. It SUX!
You would have thought that those protesters would have gone on to make a difference, and that there would not be all of this corruption that we deal with on a daily basis. The flower children, peace – love and rock & roll. What the hell happened? Those people forgot everything about why they were protesting in the first place. They forgot “let’s love one another”, forgot about “live and let live”. Hell they are worse than the people they were protesting, because they are hypocrites.
Now, they go sludging along, fuck it if everyone is being foreclosed upon, even if they paid for the property in full. Fuck it if we have WWIII because our president is a fuck up. Fuck it if Russia nukes us. Fuck it if the Japanese have ended life on earth with their meltdown problem. Fuck it if Russia’s Putin now speaks when the United States should have been speaking. Fuck it if the Christians are being slaughtered. Fuck it if there are no jobs. Fuck it if Obamacare causes all of us to be denied healthcare we are entitled to.
Fuck it, Fuck it, fuck it. THIS SUX! This is not who we are. This is not what are forefathers would have accepted. This is not how we got to where we were.
So this week, the Protesters, turned cattle, sheep and couch potatoes are what SUX!!!
From the Very Well Known Foreclosure Defense Attorney, Stopa
Foreclosure Court: The Erosion of the Judiciary
http://www.stayinmyhome.com/foreclosure-court-the-erosion-of-the-judiciary/ Posted on September 2nd, 2013 by Mark Stopa
I’m a big believer in the justice system. In fact, that’s part of why I became a lawyer. I believe in every litigant’s right to obtain a fair hearing and trial before a neutral judge and/or impartial jury. It sounds cliché, but that’s what I do – help people navigate the judicial system in their time of need.
In recent months, though, the judiciary in many parts of Florida (not all, but many) has turned into something I don’t recognize. The change has been so sudden and so extreme that it’s altering the face of the judiciary and hindering that which I hold so dear – the right to fair hearings and due process. Yes, what I consider the “core” of a fully-functioning judicial system is eroding.
If you’re a Florida lawyer but you don’t handle foreclosure cases, you likely have no idea what I’m talking about. After all, outside of foreclosure-world, Florida’s courts are operating like normal, business as usual. Sure, the down economy has brought some minor changes, but all in all, our courts are functioning in a normal way.
Foreclosure cases, though, are a totally different animal.
I was chatting with a colleague the other day, an attorney who doesn’t handle foreclosure lawsuits, and he was shocked as I described the things I see in foreclosure court on a daily basis. This is a seasoned attorney who was SHOCKED at what I see every day. That made me realize … I’m not doing a good enough job of explaining the travesties I see every day in foreclosure-world.
It’s a tough line to toe, frankly. Bar rules prohibit me from disparaging any particular judge, so it’s sometimes difficult to explain what’s happening in foreclosure court without crossing that line. In this blog, though, I’m going to toe that line. Don’t misunderstand – I’m not criticizing anyone in particular. Rather, my critique – and that’s what I see this as, a constructive critique, coupled with a hope that everyone will realize just how flawed our system has become – is aimed at the entire institution. My concerns aren’t with any particular judge or any one ruling – they lie with the entire judicial system, the way the entire judiciary is operating right now, at least as it pertains to foreclosure cases.
I know what you’re thinking. I’m just a self-interested, foreclosure defense attorney who’s trying to delay foreclosures and let people live for free. I’m upset because the courts are making that more difficult. Right?
Before you blow off my concerns in that manner, you tell me. Are my concerns legitimate? Is this how a judicial system should operate? You tell me …
As a foreclosure defense lawyer, I’ve seen pro se homeowners attend hearings in their cases and not be allowed to speak. Not one word. It wasn’t that the judge didn’t hear the homeowner or didn’t realize he/she was present, either – the homeowner asked the judge to speak at a duly-noticed hearing and was not permitted to do so. Homeowner loses, yet couldn’t say one word. Isolated incident, you say? I’ve personally seen it more than once.
Not being permitted to speak has not been limited to pro se homeowners. I have personally been threatened with criminal contempt – criminal contempt – for moving to disqualify a judge after striking my defenses without letting me say one word about those defenses. Your defenses are stricken, you can’t talk, and if you complain about it, I’ll throw you in jail.
In many parts of Florida, attorneys are not permitted to attend foreclosure hearings by phone – regardless of how insignificant or short the hearing may be. Never mind that the Florida Supreme Court created a rule of judicial administration which requires phone appearances be permitted for hearings that are 15 minutes or less absent “good cause” – in many parts of Florida, attendance by phone is simply not permitted.
I’ve heard some justify this procedure by explaining how it’s difficult to deal with phone appearances in foreclosure cases. Really? How is it any more difficult than in other types of cases? Frankly, I can’t help but wonder if the prohibition on phone appearances is designed to make it harder for defense lawyers to appear in cases for homeowners, enabling the courts to push through those cases faster. (Prohibiting phone appearances obviously makes it harder and more expensive to attend hearings, often making the difference in a homeowner’s ability to afford counsel.)
That’s an absurd proposition, though, right? Why would our courts care how quickly foreclosure lawsuits are litigated? Judges are neutral arbiters – they don’t care how quickly the cases are adjudicated. Do they?
The answer to that question is at the heart of the problem. In recent months, the Florida legislature has been putting immense pressure on Florida judges to clear the backlog of foreclosure lawsuits. How much pressure? Well, the legislature controls the amount of funding that goes to our courts – funding that is needed to retain new judges, senior judges, court staff, and clerks (basically, the funding necessary to keep all judges and JAs from being totally overwhelmed). Unfortunately, the legislature has been giving these judges an ultimatum, kind of like parents do to their children regarding allowance. Basically, it works like this … “if you don’t finish these foreclosure cases, we won’t give you more funding.” As such, the legislature holds the judiciary hostage … if the judiciary doesn’t clear cases, then the legislature doesn’t give the judiciary the funding necessary to manage the many thousands of foreclosure lawsuits pending before it.
Perhaps worse yet, and to my sheer disgust, I’m told the legislature recently cut the pay of Florida judges (for the first time in years), and the clear understanding was that it was done as a way to punish/blame the judges for not clearing up the backlog of foreclosure cases faster. “You won’t enter judgments fast enough for our liking … we’ll cut your pay.”
(The pay of Florida judges is public record, right? Why is nobody talking about this?)
The judicial system shouldn’t operate this way. We all learned it in elementary school, how the three branches of government exist as “separate but equal” branches of government, employing a system of “checks and balances” to ensure a fully-functioning government. But that’s not what’s happening right now, certainly not in foreclosure court. In foreclosure-world, the legislature is king.
You might think this is conjecture and speculation on my part. It’s not. I can’t go a week without hearing how the legislature is forcing judges to move cases. Judges discuss it openly in open court, and not just to me – to everyone. As a result of this dynamic – judges wanting to move cases – I see all sorts of crazy things I’d never see in any other area of law.
I’ve mentioned the homeowners who can’t speak, the threats of incarcertaion, and the prohibition on phone appearances, but let’s get to some more egregious concerns.
Judges sua sponte set trials in foreclosure cases (without a Notice of Trial having been filed, without a CMC or pretrial conference, and without discussing/clearing the date with an counsel). This is now routine, virtually everywhere in the state.
Judges sua sponte set trials in foreclosure cases where a motion to dismiss is outstanding and the defendant has not filed an answer.
Judges sua sponte set trials with less than 30 days’ notice (such that, as defense counsel, you randomly receive a trial Order in the mail, reflecting you have a trial in 2 weeks).
The sua sponte setting of trials dominates the landscape of foreclosure-world. Banks often don’t want trials in foreclosure cases, but the judges will set them anyway. Then, even when the plaintiffs are vocal about not wanting a trial in that particular case, judges often insist they go forward anyway. Even stipulated/agreed Orders to continue a trial or vacate a trial Order often go unsigned.
Sometimes, where trial has been set in violation of Rule 1.440, judges will recognize the error and fix it. (The judges in Pinellas and Hillsborough in particular are good about this, striving to follow the law.) In many others cases, though, judges will proceed with trial anyway. In foreclosure circles, one county has become known for using a stamp – DENIED – right on the motion to vacate trial Order, without a hearing. Case not at issue? Doesn’t matter. Less than 30 days’ notice? Doesn’t matter. Bank doesn’t want a trial? Doesn’t matter. We’re going to trial!
Often, judges won’t proceed with trial where the defendant hasn’t filed an Answer but will essentially force the Answer to be filed forthwith. How is this accomplished? Easily – either deny the motion to dismiss (often without a hearing), or sua sponte set a CMC to ensure the case gets at issue. Some courts use CMCs as a way to, in my view, browbeat parties into settling. One county, for example, has started setting three CMCs at once – one per week for three consecutive weeks, requiring in-person attendance, at mass-motion calendars that last an hour or more, with no input from counsel on when the CMCs are scheduled. You’re not available? Too bad. You don’t need a CMC three weeks in a row? Yes, you do. Your case will get at issue and it will be set for trial.
Oh, and if you want to set a hearing in this county, you have to mail in a form – MAIL IN A FORM – and wait for them to respond to you, by mail, with a form that gives you a set hearing date, without any input from you on when that hearing takes place.
What dominates the thinking from the judiciary – again, not my speculation, but something the judges openly discuss – is their desire to “close” cases. That’s the monster that the legislature has created – evaluating the performance of judges not based on their work as judges but based on the results set forth in an Excel spreadsheet. How many foreclosure lawsuits were filed in that county? How many judgments have been entered? If the ratio of judgments entered to cases filed is high enough, then the judges in that county are doing a good job and deserve more funding from the legislature. If not, then those judges and JAs can all suffer through the many thousands of cases without more help.
The dynamic is so perverse that I’ve seen judges refuse to cancel foreclosure sales even when both sides ask them to.
Plaintiff’s lawyer: “We don’t want this foreclosure sale to go forward, judge.”
Defendant’s lawyer: “We are living in this house. We don’t want this foreclosure sale to go forward, judge.”
Judge: “Foreclosure sale will go forward as scheduled.”
Huh?
This dynamic is particularly difficult to take when the parties have reached a settlement. For example, loan modifications sometimes happen after a judgment but before a sale. That means, essentially, that both sides are willing to forego foreclosure with the homeowner resuming monthly mortgage payments. Incredibly, based partly on their desire to “close” a case, some judges will force a foreclosure sale to go forward even when both parties don’t want it to, having settled their dispute via a loan modification.
Plaintiff’s lawyer: “We have agreed to a loan modification. We want the foreclosure sale cancelled.”
Defendant’s lawyer: “We have agreed to a loan modification. We want the foreclosure sale cancelled.”
Judge: “Foreclosure sale will go forward as scheduled.”
Huh?
Even when both sides are able to resolve disputes before trial, even then they sometimes can’t escape a dress-down from the judiciary. For instance, I’ve watched judges threaten Bar grievances against lawyers – yes, Bar grievances – where they settled the lawsuit by consenting to a foreclosure judgment with a deficiency waiver and extended sale date. Mind you, that’s a perfectly legitimate way to compromise and settle a foreclosure lawsuit – bank gets the house, homeowner avoids any further liability and gets to stay in the house longer so as to pack up and move – but the prospect of the sale date getting pushed out 4-5 months angers some judges. “No, you can’t settle that way. The sale has to happen sooner.” Yes, I’ve seen settlements like this rejected with the sale set sooner than the parties agreed.
Huh?
There’s absolutely no rule or law that requires a sale to happen sooner where the parties agree. Unfortunately, the judges are motivated by having that case “closed” so the numbers on the spreadsheet look better for the legislature.
My natural response is to lament the unfairness of it all. After all, that homeowner gave up the chances of winning at trial predicated on getting more time in the house. I find it terribly unfair that the homeowner gave up a right to trial in exchange for an extended sale date that the judge took away … right? Some judges would scoff at that notion. After all, I’ve heard several times, in open court, ”there is no defense to foreclosure,” or “I’ve never seen a valid defense to foreclosure,” or words of that ilk. Never mind that I’ve had many dozens of foreclosure cases dismissed throughout Florida, including several at trial (25 different judges have dismissed a lawsuit of mine on paragraph 22 noncompliance, for example) … there is no valid defense to foreclosure and, hence, no reason for an extended sale date.
Another county has become known for punishing any defendants who force a trial to proceed. I personally observed the judge begin every hearing by telling the homeowners and their counsel that they “better” accept a 120-day extended sale date, as if that “offer” was rejected then it would be “off the table” after the trial. The implication here was obvious to everyone in the room … You want to show up and force the bank to prove its case? You’ll lose, and I’ll punish you by ruling against you and forcing you to move out sooner.
Some would say that the way to deal with this madness is to appeal. Easier said than done. Homeowners facing foreclosure are often in no position to fund an appeal. I’ve taken some appeals for free, but there’s only so many I can handle that way. Oh, and even if you get beyond the issue of funding, go look for published decisions that are pro-homeowner in the First DCA, Third DCA, or Fifth DCA. Many thousands of foreclosure cases have been adjudicated in those areas in the past several years. How many favorable rulings do you think have come out of those jurisdictions during that time? I’ll give you a hint – not many. In many ways, appealing in those parts of the state is like standing at the bottom of Mount Everest and being told “climb.”
Dealing with this dynamic has been very difficult in recent months. It’s a hard pill to swallow. It’s difficult to watch the judicial system bend at the direction of the legislature. It’s tough to know the concept of “separation of powers” that we all learned in elementary school is being cast aside. It’s hard to feel like the most fundamental concepts of due process are being sacrificed to push lawsuits faster when even the plaintiffs in those lawsuits don’t so desire. It’s hard to feel like these procedures have made it impossible for me to help homeowners in certain parts of the state. It’s frustrating that many reading this will be upset at the entire judiciary, not realizing there are many circuit judges – particularly in Hillsborough, Pinellas, and other areas within the ambit of Florida’s Second District – who are striving to be fair and follow the law notwithstanding all of the pressure from the legislature.
Mostly, though, I’m disappointed. I’m disappointed that such perverse procedures are happening in our courts every day yet nobody is talking about it – and many don’t even realize it’s happening. I’m disappointed that the justice system I knew is eroding. I’m not going to find a dictionary definition, but that’s what erosion is – a slow process of deterioration such that, before too long, that thing which previously existed is no more.
I hope everyone shares this blog. I hope my friends, colleagues, attorneys and homeowners all understand what’s happening in our courts. I hope everyone stands up to the legislature and demands it stop this madness. Most of all, I hope the erosion of our judiciary stops … soon.
Thank You Living Lies, Neil Garfield, For Telling It Like It Is!
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Another Great Article From Living Lies, Telling It Like It Is!
LAST CHANCE FOR JUSTICE
“We are still in the death grip of the banks as they attempt to portray themselves as the bulwarks of society even as they continue to rob us of homes, lives, jobs and vitally needed capital which is being channeled into natural resources so that when we commence the gargantuan task of repairing our infrastructure we can no longer afford it and must borrow the money from the thieves who created the gaping hole in our economy threatening the soul of our democracy.” Neil Garfield, livinglies.me
We all know that dozens of people rose to power in Europe and Asia in the 1930′s and 1940′s who turned the world on its head and were responsible for the extermination of tens of millions of people. World War II still haunts us as it projected us into an arms race in which we were the first and only country to kill all the people who lived in two cities in Japan. The losses on both sides of the war were horrendous.
Some of us remember the revelations in 1982 that the United States actively recruited unrepentant Nazi officers and scientists for intelligence and technological advantages in the coming showdown with what was known as the Soviet Union. Amongst the things done for the worst war criminals was safe passage (no prosecution for war crimes) and even new identities created by the United States Department of Justice. Policy was created that diverted richly deserved consequences into rich rewards for knowledge. With WWII in the rear view mirror policy-makers decided to look ahead and prepare for new challenges.
Some of us remember the savings and loans scandals where banks nearly destroyed everything in the U.S. marketplace in the 1970′s and 1980′s. Law enforcement went into high gear, investigated, and pieced together the methods and complex transactions meant to hide the guilt of the main perpetrators in and out of government and the business world. More than 800 people went to jail. Of course, none of the banks had achieved the size that now exists in our financial marketplace.
Increasing the mass of individual financial institutions produced a corresponding capacity for destruction that eclipsed anything imagined by anyone outside of Wall Street. The exponentially increasing threat was ignored as the knowledge of Einstein’s famous equation faded into obscurity. The possibilities for mass destruction of our societies was increasing exponentially as the mass of giant financial service companies grew and the accountability dropped off when they were allowed to incorporate and even sell their shares publicly, replacing a system, hundreds of years old in which partners were ultimately liable for losses they created.
The next generation of world dominators would be able to bring the world to its knees without firing a shot or gassing anyone. Institutions grew as malignancies on steroids and created the illusion of contributing half our gross domestic product while real work, real production and real inventions were constrained to function in a marketplace that had been reduced by 1/3 of its capacity — leaving the banks in control of $7 trillion per year in what was counted as gross domestic product. Our primary output by far was trading paper based upon dubious and fictitious underlying transactions; if those transactions had existed, the share of GDP attributed to financial services would have remained at a constant 16%. Instead it grew to half of GDP. The “paradox” of financial services becoming increasingly powerful and generating more revenues than any other sector while the rest of the economy was stagnating was noted by many, but nothing was done. The truth of this “paradox” is that it was a lie — a grand illusion created by the greatest salesmen on Wall Street.
So even minimum wage lost 1/3 of its value adjusted for inflation while salaries, profits and bonuses were conferred upon people deemed as financial geniuses as a natural consequence of believing the myths promulgated by Wall Street with its control over all forms of information, including information from the government.
But calling out Wall Street would mean admitting that the United States had made a wrong turn with horrendous results. No longer the supreme leader in education, medical care, crime, safety, happiness and most of all prospects for social and economic mobility, the United States had become supreme only through its military strength and the appearance of strength in the world of high finance, its currency being the world’s reserve despite the reality of the ailing economy and widening inequality of wealth and opportunity — the attributes of a banana republic.
All of us remember the great crash of 2008-2009. It was as close as could be imagined to a world wide nuclear attack, resulting in the apparent collapse of economies, tens of millions of people being reduced to poverty, tossed out of their homes, sleeping in cars, divorces, murder, riots, suicide and the loss of millions of jobs on a rising scale (over 700,000 per month when Obama took office) that did not stop rising until 2010 and which has yet to be corrected to figures that economists say would mean that our economy is functioning at proper levels. Month after month more than 700,000 people lost their jobs instead of a net gain of 300,000 jobs. It was a reversal of 1 million jobs per month that could clean out the country and every myth about us in less than a year.
The cause lay with misbehavior of the banks — again. This time the destruction was so wide and so deep that all conditions necessary for the collapse of our society and our government were present. Policy makers, law enforcement and regulators decided that it was better to maintain the illusion of business as usual in a last ditch effort to maintain the fabric of our society even if it meant that guilty people would go free and even be rewarded. It was a decision that was probably correct at the time given the available information, but it was a policy based upon an inaccurate description of the disaster written and produced by the banks themselves. Once the true information was discovered the government made another wrong turn — staying the course when the threat of collapse was over. In a sense it was worse than giving Nazi war criminals asylum because at the time they were protected by the Department of Justice their crimes were complete and there existed little opportunity for them to repeat those crimes. It could be fairly stated that they posed no existing threat to safety of the country. Not so for the banks.
Now as all the theft, deceit and arrogance are revealed, the original premise of the DOJ in granting the immunity from prosecution was based upon fraudulent information from the very people to whom they were granting safe passage. We have lost 5 million homes in foreclosure from their past crimes, but we remain in the midst of the commission of crimes — another 5 million illegal, wrongful foreclosures is continuing to wind its way through the courts.
Not one person has been prosecuted, not one statement has been made acknowledging the crimes, the continuing deceit in sworn filings with regulators, and the continuing drain on the economy and our ability to finance and capitalize on innovation to replace the lost productivity in real goods and services.
We are still in the death grip of the banks as they attempt to portray themselves as the bulwarks of society even as they continue to rob us of homes, lives, jobs and vitally needed capital which is being channeled into natural resources so that when we commence the gargantuan task of repairing our infrastructure we can no longer afford it and must borrow the money from the thieves who created the gaping hole in our economy threatening the soul of our democracy. If the crimes were in the rear view mirror one could argue that the policy makers could make decisions to protect our future. But the crimes are not just in the rear view mirror. More crimes lie ahead with the theft of an equal number of millions of homes based on false and wrongful foreclosures deriving their legitimacy from an illusion of debt — an illusion so artfully created that most people still believe the debts exist. Without a very sophisticated knowledge of exotic finance it seems inconceivable that a homeowner could receive the benefits of a loan and at the same time or shortly thereafter have the debt extinguished by third parties who were paid richly for doing so.
Job creation would be unleashed if we had the courage to stop the continuing fraud. It is time for the government to step forward and call them out, stop the virtual genocide and let the chips fall where they might when the paper giants collapse. It’s complicated, but that is your job. Few people lack the understanding that the bankers behind this mess belong in jail. This includes regulators, law enforcement and even judges. but the “secret” tacit message is not to mess with the status quo until we are sure it won’t topple our whole society and economy.
The time is now. If we leave the bankers alone they are highly likely to cause another crash in both financial instruments and economically by hoarding natural resources until the prices are intolerably high and we all end up pleading for payment terms on basic raw materials for the rebuilding of infrastructure. If we leave them alone another 20 million people will be displaced as more than 5 million foreclosures get processed in the next 3-4 years. If we leave them alone, we are allowing a clear and present danger to the future of our society and the prospects for safety and world peace. Don’t blame Wall Street — they are just doing what they were sent to do — make money. You don’t hold the soldier responsible for firing a bullet when he was ordered to do so. But you do blame the policy makers that him or her there. And you stop them when the policy is threatening another crash.
Stop them now, jail the ones who can be prosecuted, and take apart the large banks. IMF economists and central bankers around the world are looking on in horror at the new order of things hoping that when the United States has exhausted all other options, they will finally do the right thing. (see Winston Churchill quote to that effect).
But forget not that the ultimate power of government is in the hands of the people at large and that the regulators and law enforcement and judges are working for us, on our nickle. Action like Occupy Wall Street is required and you can see the growing nature of that movement in a sweep that is entirely missed by those who arrogantly pull the levers of power now. OWS despite criticism is proving the point — it isn’t new leaders that will get us out of this — it is the withdrawal of consent of the governed one by one without political affiliation or worshiping sound sound biting, hate mongering politicians.
People have asked me why I have not until now endorsed the OWS movement. The reason was that I wanted to give them time to see if they could actually accomplish the counter-intuitive result of exercising power without direct involvement in a corrupt political process. They have proven the point and they are likely to be a major force undermining the demagogues and greedy bankers and businesses who care more about their bottom line than their society that gives them the opportunity to earn that bottom line.
New Fraud Evidence Shows Trillions Of Dollars In Mortgages Have No Owner
http://thinkprogress.org/economy/2013/08/13/2460891/new-fraud-evidence-shows-trillions-of-dollars-in-mortgages-have-no-owner/
Bank of America whistle-blowers By David Dayen Great Story!
(Credit: Sashkin via Shutterstock/Salon)
Bank of America’s mortgage servicing unit systematically lied to homeowners, fraudulently denied loan modifications, and paid their staff bonuses for deliberately pushing people into foreclosure: Yes, these allegations were suspected by any homeowner who ever had to deal with the bank to try to get a loan modification – but now they come from six former employees and one contractor, whose sworn statements were added last week to a civil lawsuit filed in federal court in Massachusetts.
“Bank of America’s practice is to string homeowners along with no apparent intention of providing the permanent loan modifications it promises,” said Erika Brown, one of the former employees. The damning evidence would spur a series of criminal investigations of BofA executives, if we still had a rule of law in this country for Wall Street banks.
The government’s Home Affordable Modification Program (HAMP), which gave banks cash incentives to modify loans under certain standards, was supposed to streamline the process and help up to 4 million struggling homeowners (to date, active permanent modifications numberabout 870,000). In reality, Bank of America used it as a tool, say these former employees, to squeeze as much money as possible out of struggling borrowers before eventually foreclosing on them. Borrowers were supposed to make three trial payments before the loan modification became permanent; in actuality, many borrowers would make payments for a year or more, only to find themselves rejected for a permanent modification, and then owing the difference between the trial modification and their original payment. Former Treasury Secretary Timothy Geithner famously described HAMP as a means to “foam the runway” for the banks, spreading out foreclosures so banks could more readily absorb them.
These Bank of America employees offer the first glimpse into how they pulled it off. Employees, many of whom allege they were given no basic training on how to even use HAMP, were instructed to tell borrowers that documents were incomplete or missing when they were not, or that the file was “under review” when it hadn’t been accessed in months. Former loan-level representative Simone Gordon says flat-out in her affidavit that “we were told to lie to customers” about the receipt of documents and trial payments. She added that the bank would hold financial documents borrowers submitted for review for at least 30 days. “Once thirty days passed, Bank of America would consider many of these documents to be ‘stale’ and the homeowner would have to re-apply for a modification,” Gordon writes. Theresa Terrelonge, another ex-employee, said that the company would consistently tell homeowners to resubmit information, restarting the clock on the HAMP process.
Worse than this, Bank of America would simply throw out documents on a consistent basis. Former case management supervisor William Wilson alleged that, during bimonthly sessions called the “blitz,” case managers and underwriters would simply deny any file with financial documents that were more than 60 days old. “During a blitz, a single team would decline between 600 and 1,500 modification files at a time,” Wilson wrote. “I personally reviewed hundreds of files in which the computer systems showed that the homeowner had fulfilled a Trial Period Plan and was entitled to a permanent loan modification, but was nevertheless declined for a permanent modification during a blitz.” Employees were then instructed to make up a reason for the denial to submit to the Treasury Department, which monitored the program. Others say that bank employees falsified records in the computer system and removed documents from homeowner files to make it look like the borrower did not qualify for a permanent modification.
Senior managers provided carrots and sticks for employees to lie to customers and push them into foreclosure. Simone Gordon described meetings where managers created quotas for lower-level employees, and a bonus system for reaching those quotas. Employees “who placed ten or more accounts into foreclosure in a given month received a $500 bonus,” Gordon wrote. “Bank of America also gave employees gift cards to retail stores like Target or Bed Bath and Beyond as rewards for placing accounts into foreclosure.” Employees were closely monitored, and those who didn’t meet quotas, or who dared to give borrowers accurate information, were fired, as was anyone who “questioned the ethics … of declining loan modifications for false and fraudulent reasons,” according to William Wilson.
Bank of America characterized the affidavits as “rife with factual inaccuracies.” But they match complaints from borrowers having to resubmit documents multiple times, and getting denied for permanent modifications despite making all trial payments. And these statements come from all over the country from ex-employees without a relationship to one another. It did not result from one “rogue” bank branch.
Simply put, Bank of America didn’t want to hire enough staff to handle the crush of loan modification requests, and used these delaying tactics as a shortcut. They also pushed people into foreclosure to collect additional fees from them. And after rejecting borrowers for HAMP modifications, they would offer an in-house modification with a higher interest rate. This was all about profit maximization. “We were regularly drilled that it was our job to maximize fees for the Bank by fostering and extending delay of the HAMP modification process by any means we could,” wrote Simone Gordon in her affidavit.
It is a testament to the corruption of the federal regulatory and law enforcement apparatus that we’re only hearing evidence from inside Bank of America now, in a civil class-action lawsuit from wronged homeowners, when the behavior was so rampant for years. For example, the Treasury Department, charged with specific oversight for HAMP, didn’t sanction a single bank for failing to follow program guidelines for three years, and certainly did not uncover any of this criminal conduct. Steven Cupples, a former underwriter at Bank of America, explained in his statement how the bank falsified records to Treasury to make it look like they granted more modifications. But Treasury never investigated. Meanwhile, the Justice Department joined with state Attorneys General and other federal regulators to essentially bless this conduct in a series of weak settlements that incorporated other bank crimes as well, like “robo-signing” and submitting false documents to courts.
These affidavits, however, should return law enforcement to the case. William Wilson, the case management supervisor, alleges in his statement that this “ridiculous and immoral” conduct continued through August of 2012, when he was eventually fired for speaking up. That means Bank of America persisted with these activities for at least six months AFTER the main, $25 billion settlement to which they were a party. So state and federal regulators could sue Bank of America over this new criminal conduct, which post-dates the actions for which they released liability under the main settlement. Attorneys general in New York and Florida have accused Bank of America of violating the terms of the settlement, but they could simply open new cases about these new deceptive practices.
They would have no shortage of evidence, in addition to the sworn affidavits. According to Theresa Terrelonge, most loan-level representatives conducted their business through email; in fact, various email communications have already been submitted under seal in the Massachusetts civil case. State Attorneys General or US Attorneys would have subpoena power to gather many more emails.
And they would have very specific targets: the ex-employees listed specific executives by name who authorized and directed the fraudulent process. “The delay and rejection programs were methodically carried out under the overall direction of Patrick Kerry, a Vice President who oversaw the entire eastern region’s loan modification process,” wrote William Wilson. Other executives mentioned by name include John Berens, Patricia Feltch and Rebecca Mairone (now at JPMorgan Chase, and already named in a separate financial fraud case). These are senior executives who, if this alleged conduct is true, should face criminal liability.
Bank accountability activists have already seized on the revelations. “This is not surprising, but absolutely sickening,” said Peggy Mears, organizer for the Home Defenders League. “Maybe finally our courts and elected officials will stand with communities over Wall Street and prosecute, and then lock up, these criminals.”
Sadly, it’s hard to raise hopes of that happening. Past experience shows that our top regulatory and law enforcement officials are primarily interested in covering for Wall Street’s crimes. These well-sourced allegations amount to an accusation of Bank of America stealing thousands of homes, and lying to the government about it. Homeowners who did everything asked of them were nevertheless pushed into foreclosure, all to fortify profits on Wall Street. There’s a clear path to punish Bank of America for this conduct. If it doesn’t result in prosecutions, it will once again confirm the sorry excuse for justice we have in America.
Update: Read the full affidavits from the active court case here.
David Dayen is a freelance writer based in Los Angeles, CA. Follow him on Twitter at @ddayen.MORE DAVID DAYEN.
CURTIS HERTEL JR: INGHAM COURTS OVERTURN FANNIE MAE EVICTIONS OF COUNTY HOMEOWNERS Posted by 4closureFraud on April 19, 2013 ·
INGHAM COURTS OVERTURN FANNIE MAE EVICTIONS OF COUNTY HOMEOWNERS
Ingham County Register of Deeds Curtis Hertel Jr. praised two recent court decisions against mortgage giants Fannie Mae and Freddie Mac in Ingham County that will overturn the eviction of local residents from their homes, while offering similar hope for citizens across Michigan.
“Fannie Mae and Freddie Mac have been shamelessly manipulating our state’s property laws for years at the expense of innocent citizens,” Hertel Jr. said. “They continue to try and exempt themselves from important local and state taxes by claiming a government exemption, but have continued to foreclose on individuals and families using procedures that are only available to private corporations. I’m thrilled that we now the opportunity to protect our residents from future deceitful foreclosure practices.”
Hertel Jr. has been pleading for the courts to clarify Fannie Mae’s status, as it has positioned itself as a government agency to avoid taxes, but also as a private organization in order to avoid foreclosure regulation. The cases were won against mortgage giant Fannie Mae – one in Ingham County Circuit Court, the other in its District Court.
One of the cases is now being sent to the Michigan Court of Appeals and has the potential to change the way that thousands of foreclosures are handled throughout Michigan. The court case specifically addressesforeclosures that are executed by Fannie Mae, the federally-controlled mortgage corporation that has foreclosed on thousands of Michigan residents since the housing crisis began in 2007.
Both of the overturned evictions were residents who called in to Hertel’s Foreclosure Fraud Hotline, a service he arranged with help from the Ingham County Commissioners. The purpose of the hotline is to obtain legal assistance for citizens who are facing