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8/8/2019 Florida Attorney General Fraudclosure Report | Unfair, Deceptive and Unconscionable Acts in Foreclosure Cases
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UNFAIR, DECEPTIVEAND UNCONSCIONABLE
ACTS IN
FORECLOSURE CASES
P R E P A R E D B Y : J U N E M . C L A R K S O N , T H E R E S A B . E D W A R D S A N D R E N E D . H A R R O D
Office of the Attorney GeneralEconomic Crimes Division
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Overview of Foreclosure Industry
Florida Attorney General investigation
50 State Multi-State Team
InvestigationLaw firms began withdrawing
documents
Banks suspended foreclosures
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The History of Mortgages in America
Bankers used to take theoriginal note andmortgage and secure it inthe bank vault.
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Mortgage-Backed Trusts
As the mortgage industrygrew, bankers begansecuring the notes inmortgage-backed trusts
Trusts are a bundle of5,000 notes secured bymortgages
A bundle of notes may
contain 5,000 notes andmortgages with a face
value of $1.5 Billion
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Sales & Servicing of Trusts
These Trusts werepackaged as ResidentialMortgage-BackedSecurities (RMBS) and
could be sold to investorsin bite-sized pieces
The rules for theoperation of these RMBS
trusts were set forth inPooling and Servicing
Agreements
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The Travels of a RMBS bundle
Trust bundles travelfrom:
The Lender
To the Depositor
To the SecuritiesCompany
To the Trustee
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When it doesnt work quite right . . .
Sometimes a note or a mortgage gets lost.
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When it doesnt work quite right . . .
Sometimes the documentcustodians are lax abouttheir procedures.
That appears to be thesituation here in Florida aswell as across the nation.
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When it doesnt work quite right . . .
Sometimes there are just too many documents tokeep track of any single Note or Mortgage.
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When it doesnt work quite right . . .
Keep in mind these aresome of the largest banksin the country . . . losingownership paperwork!!
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IMPORTANT: The Key
The key to the problemsregarding foreclosures of
mortgages are the ASSIGNMENTS ofmortgage.
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IMPORTANT: The Key
Assignments ofmortgage operate to
transfer ownershipof the mortgage fromone bank to another.
You sue on the note
but foreclose underthe mortgage.
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What if there is no valid assignment?
A valid assignmenttransfers the ownership ofthe mortgage and allows theassignee of the assignment
to begin a foreclosureaction.
Only the holder/owner ofthe note and mortgage caninstitute a foreclosure
action if the homeownerstops making theirmortgage payments.
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If themortgage
is notproperly
assigned.
the result
is chaos.
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The Paperwork in Securitization Process
Source: Oversight Panel Oversight Report, Examining the Consequences of Mortgage Irregularities for Financial Stability and Foreclosure Miigation
Assignments
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Sample Assignment of Mortgage
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Execution of the Assignments
The Banksappointedindividuals to
execute theassignments
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ExampleAppointmentsthrough a
Limited Powerof Attorney forexecutingAssignments
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Execution of the Assignments
Many individuals who executed theassignments knew nothing about thedocuments they were signing, these
individuals are referred to as robo-signers
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Execution of the Assignments
Individuals included bank employees, lawfirm employees (lawyers, paralegals, andeven secretaries) and document preparation
and processing company employees Thousands and thousands and thousands of
assignments . . . signed weekly.
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Fraudulent Practices come in all shapes and sizes
Robo-signers
Fake witnesses
Fake notaries
Fake documents
False affidavits
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Problems with Assignments
Not executed by the authorized person
Signatures not witnessed properly by
the witnessesSignatures not properly notarized by a
notary
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Forgeries in Assignments
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Forgeries in Assignments
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Forgeries in Assignments
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Forgeries in Assignments
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Forgeries in Assignments
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Sample One Sample Two
Vice President Linda Green Signature
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Who is the Real Linda Green?
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Linda Greens signature appears onhundreds of thousands
of mortgage assignments.
She is listed as an officer of dozens ofbanks and mortgage companies.
Linda Green
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A Few of Linda Greens Many Job Titles
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Scott Anderson, Ocwen employee
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Forgeries by Mortgage Servicers
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A Mortgage Servicing Company
Mortgage servicing companies help banksobtain foreclosure by preparing documentsnecessary to facilitate the foreclosure in
Court. These companies hire robo-signers who
execute the documents by the tens of
thousands per month.
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Mortgage Servicing Companies
DocX had offices employing dozens of workersproducing thousands of fraudulent assignments.
Lender Processing Services produced 2,000
assignments each working day. GMAC (including its first famous robo-signer,
Jeffrey Stephan) also produces 2,000 assignmentsevery day.
Nationwide Title Clearing out of the Tampa area alsoproduces 2,000 assignments every day.
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Forgeries in Other Documents
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Examples of Bogus Documents
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Examples of Bogus Documents
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Examples of Bogus Documents
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Examples of Bogus Documents
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Examples of Bogus Documents
8/8/2019 Florida Attorney General Fraudclosure Report | Unfair, Deceptive and Unconscionable Acts in Foreclosure Cases
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Assignment of Mortgage
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CorrectiveAssignment of Mortgage
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Filing Lis Pendens Without Standing
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AssignmentsAfterLis Pendens
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Filing Lis Pendens Without Standing
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AssignmentsAfterLis Pendens
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Affidavit of Amounts Due
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Affidavit of Amounts Due
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Withdrawal of Affidavits of Amounts Due
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Withdrawal of Affidavits of Amounts Due
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Sample Notice of Lis Pendens
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Stamped signature on Assignment of Mortgage
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Stamped Signatures
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Stamped Signatures
Affidavit of Correction due to assignment of a
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Affidavit of Correction due to assignment of amortgage that had been fully paid (St. Lucie Co.)
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Affidavits of Correction due assignments of mortgage that had
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Affidavits of Correction due assignments of mortgage that hadbeen fully paid (Broward Co. and Palm Beach Co.)
$ 6 k Q i
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$164k Question
A d h h hi h?
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And you thought your mortgage was high?
A i f D f A i
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Assignment for Defunct Assignee
American Brokers Conduit BANKRUPT
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8/7/2007
A i t b d f t i tit ti
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Assignment by a defunct institution
I d M f b i CLOSED J l 8
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IndyMac, out of business CLOSED July 2008
Federal regulators seize crippled IndyMac BankA run on the Pasadena thrift ends in one of the biggest financial failures ever.
Doors will reopen Monday.July 12, 2008|Kathy M. Kristof and Andrea Chang | Times Staff Writers
The federal government took control of Pasadena-based IndyMac Bank onFriday in what regulators called the second-largest bank failure in U.S.history.
* * *The bank's 33 branches will be closed over the weekend, but the FederalDeposit Insurance Corp. will reopen the bank on Monday as IndyMacFederal Bank, said the Office of Thrift Supervision in Washington.
July 12, 2008
A i t f D f t A i
http://articles.latimes.com/2008/jul/12http://articles.latimes.com/2008/jul/12http://articles.latimes.com/2008/jul/12http://articles.latimes.com/2008/jul/12http://articles.latimes.com/2008/jul/12http://articles.latimes.com/2008/jul/128/8/2019 Florida Attorney General Fraudclosure Report | Unfair, Deceptive and Unconscionable Acts in Foreclosure Cases
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Assignment for Defunct Assignee
L h B th
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Lehman Brothers
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Impossible Notaries- Stamps are only good for
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Impossible Notaries Stamps are only good forfour years in Florida
I ibl N t i
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Impossible Notaries
Impossible Notaries
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Impossible Notaries
Sworn Testimony of Tammie Lou Kapusta
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Sworn Testimony of Tammie Lou Kapusta
Testimony of Tammie Lou Kapusta,
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former employee of Law Offices of David J. Stern, P.A.
Q Would these notaries be there watching her [Cheryl Samons] asshe signed?
A No.
Q She would just sit there and sign stacks of them?
A Correct. As far as notaries go in the firm I don't think any
notary actually used their own notary stamp. The team used
them.
Q There were just stamps around? A Yes.
Q And you actually saw that?
A I was part of that.
Sample Assignment of Mortgage
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Sample Assignment of Mortgage
Testimony of Tammie Lou Kapusta,
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former employee of Law Offices of David J. Stern, P.A.
Q So this was an assignment signing table? A Correct. Assignments or Affidavit A's that she was signing.
Q What's an Affidavit A?
A The indebtedness affidavit.
Q Okay.
A I think that's all Cheryl signed for. I think Beth signed for the rest. There's your Exhibit
E's. We had different exhibits. That's how they signed them. When Cheryl was out of the
office Tammie would sign them or Beth would go sign them.
Q Beth would sign but it would say Cheryl Samons?
A Correct.
Q And Beth would be the signer?
A Correct.
Q Or Tammie Sweat?
A Right.
Testimony of Kelly Scott,
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former employee of Law Offices of David J. Stern, P.A.
Testimony of Kelly Scott,f l f ffi f id
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former employee of Law Offices of David J. Stern, P.A.
Q. Other than Cheryl going around twice a day to sign the documents that she was reading, was thereanyone else that did that, as well?
A. Only Cheryl. And only when Cheryl was out of town, that she would go on vacation, there wassomeone else that would sign on her behalf. Who was it? I really don't know.
Q. But they signed Cheryl's name?
A. Yes.
Q. And when you said those were the papers that were up on the long table on the four floors, what typesof documents were those?
A. Motions for Summary Judgment and Assignments of Mortgage.
* * *
Q. But whatever was on those long tables, nobody was reading? They were just putting their names onthem?
A. Yes, they were just putting their names.
Q. Yes, there was no one reading them?
A. Yes, there was no reading them.
Cheryl Samons signature
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Cheryl Samons signature
Cheryl Samons signature
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Cheryl Samons signature
Cheryl Samons signature
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Cheryl Samons signature
Cheryl Samons signature
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Cheryl Samons signature
Cheryl Samons signature
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Cheryl Samons signature
Sample Assignment of Mortgage
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Sample Assignment of Mortgage
Misuse of Falsified Assignments
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Misuse of Falsified Assignments
Improper assignments were recorded in the county landrecords offices Improper assignments were submitted to the Court in
support of foreclosure motions Improper assignments were accepted by the Court as
valid assignments that substantiated the foreclosure Homeowners were foreclosed upon based upon falsified
assignments, by a bank who was not the true holder ofthe note.
If the foreclosure judgment is obtained by a bank thatdoes not hold the note, then the homeowner risks asecond lawsuit by the real note holder, and possibly ahaving a second judgment against them on one property.
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Notices to Court of Improper Affidavits
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Notices to Court of Improper Affidavits
Notices to Court of Improper Affidavits
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Notices to Court of Improper Affidavits
Real Estate in Florida (in pictures)
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Real Estate in Florida (in pictures)
Real Estate in Florida (in pictures)
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Real Estate in Florida (in pictures)
Real Estate in Florida (in pictures)
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Real Estate in Florida (in pictures)
Solutions for Foreclosures in Florida???
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Solutions for Foreclosures in Florida???
Any solution must include: Assuring the integrity to the judicial foreclosure process
Documents submitted must be true and accurate
Affidavits must be proper in substance and form
Assignments must be properly executed and accurate Due process rights to the foreclosed homeowners
Proper service of process on the homeowner
Proper standing to sue by the plaintiff Bank
Substantive review of paperwork prior to foreclosure
Foreclosures will have to go forward and there will be manymore next year, but they need to done within the law.