Best of Luck Tom, you might take them or send them a few videos or cases that Mr. Roper and others have found.

PAGE 1.well 8 years ago I was self employed my company generated about 1 mill a year I had a credit score of 720 and $130.00.00 in equity in my home ...well since the beginning of our loan its been messed up like the wrong info on my wife ss# occupation & income also my name was not put on the loan when we jointly applied .we were also told that we will be able to get our payments lowered and fix everything after 6 months all lies. well when the time came we wanted to lower our payments and do a refy I wanted to lower my payments and pull 16.000 out of my equity for my  companies insurance .that’s when things got real bad we found out about the pre penalty fees they stopped talking w/me and wouldn’t take my payments well

I was then looking for another mortgage co to take over my loan and got approved for 1 @6% with $40.000.00 cash out by this time I needed it.thats when me and the other mortgage co asked for a payoff we had 6 weeks to get it and complete the signing with the new mortgage co needless to say we never got it (the payoff amount) witch cost me that loan and some of my credit and my company no ins no work the whole time I was getting phone calls like what do we have to do to keep you as a satisfied customer and were working with you to straighten this out ect.i then went  back to ameriquist in braintree ma were we  signed and talked with gineene bland who was very helpful she got me in touch w/the office of the president @amc and once again got me approved for a loan all they had to do @ this point is the paper work through the office of the president now my credit was around 600 the guy justin told gineen in a 3 way  conversation that he  was going to  call me right back is that ok we both said yes .well he called me back 4 hours later 10 minutes before closing and said qoite I didn’t want to say nothing w/that b*tch on the phone but  this company is ripping off everyone that he and a friend that owns a mortgage company are taking all of ameriquist customers  and getting them great loans the people are so happy and that his friend will call me in the morning his friend Greg did call telling me that they have been stealing customers for a while with great results .I then called gineen back and told her what had transpired then I got a phone call from mike Justin’s boss claiming that if I tell him what had transpired he would personally see my loan through so I told him every thing    from the beginning and once I told him what company was stealing the work and who was responsible (Justin)I said that I just wanted to straighten my loan out not get people in trouble that’s when I realized I was on speaker phone and that mike had several employees there listening including Justin who said thanks for throwing me under the bus scumbag I started yelling back saying if you people would just do your job I would have my loan with another co. they all started saying stuff &laughing @me that ill never get a loan there going to take my house ect. when I talked with the a.g's office they were eager to help us only because Romney was running against Patrick for gov Patrick who I just tried to contact only to be told that he cant help me in any way by his assistant so I said what does he do for us citizens anyway and his assistant couldn’t tell me anything the governor does to help people ..Anyway he was on the board of ameriquist (owner) now they don’t really want to talk w/me since that time I was in contact w/a-generals and amc ameriquist who was very interested in helping me before.. I fall into the 325milion lawsuit and that’s great in 5  years but whets going to happen to my family in the meantime I have been in contact with ameriquist this whole time they say there going to make things right and over look credit  score and give me a loan but not my equity I got a letter from a lawyers office saying foreclosure so I called amc they always say don’t    worry about foreclosure I have them on tape saying that & there not doing that then I seen it in the paper still don’t worry its procedure they say then this morning imp taking my mother in-law to the hospital and some guy is in the driveway asking if my house is vacant yet I asked him who he was and he gave me a # with a fake name said that ameriquist sent him out to see if my house  was on the market @ one time I did list my house and was getting offers   Oscar burger @(amc)made me take it off promising me the loan so I can keep it another time to get me away from the attorney generals office Oscar burger sent me a discloser agreement   knocking $93.000.00 off my loan once I got away from the a-g they forgot all about it said it was a second loan for the equity .now they have fired everyone that was supposedly helping me 1 Oscar burger 2 Clyde botzner 3 Rebecca conti they have said in the past that I don’t work with them they cant reach me ect all lies I leave messages for them all the time...they never reported any of this to our credit agency in 2 years till just recently we need help and everyone should know whets happened to us the girl(Sonja sedano) that’s supposedly helping me @amc just told me not to worry about the foreclose again but couldn’t tell me a pay off or what I need to straighten out the loan…..now I pay close to 4000 a month have no equity & no credit & I did lose my company god bless America .now in march of 07 they called me and said they want to knock off $100.00.00 on my $376.000.00 mortgage if I work with wells fargo to buy them out I said ok when wells fargo wouldn’t call me  or Lisa cavin @ (fcc holdings) back she asked me to find my own guy to bye them out I contacted Jeff blais from (the mortgage group)Jeff got me a mortgage @ $240.000.00 June 2008 and PAGE 2. asked fci &fcc if they will accept that as a payoff they . said no so I called Joe sedano back telling him the loan I went for was approved @ 240 but fcc wont take it he said that he didn’t understand why fcc didn’t have me deal with Dan sweeny the guy that’s been getting all of fcc’s loans that he wanted to call me back he did stating that he has great news Dan sweeny will get the loan done and even better news got fcc to take a payoff of $180.000.00 on my home and sent me a copy of that pay off letter July 16 2008 and I said ok Dan sweeny called me and we got started after a while month or so he thought he had it done through a hard $ lender (eastern bank) eastern bank sent there own appraiser (George Brenner) to look @ the house and my living situation Dan sweeny told eastern Beth Yeager that I moved away from my wife & kids and that I rent to them as an investment property. so eastern denied the loan when they found out I live with my wife & kids I tried to get Beth to do it with me direct and Beth said that she can see I can defiantly afford it BUT with the new laws its impossible to write home owner occupied loans in my state and that ameriquist never reported payments history on my loan so she cant do it. I then went back to Jeff blais with the new payoff $180.000.00  he was mad that they didn’t take the $240.000.00 payoff he had done 1 months prier that he will try and get it done @ 180k and he did try and couldn’t that fcc let it go to long and finally reported late payments as of march of 08 this whole time I tried to get Joe sedano fci & fcc to get my re payment plan done  so I didn’t fall behind they kept telling me that I would be throwing $ out the window because im refinancing .now Im getting threatening letters about foreclose if I don’t come up with $65.000.00 within 90 days. and they don’t call me back .I think they cooked this new scam up to get me to be late again because I was paying 3000 a month on time and they make $ off the tarp ..im currently waiting to hear from citi bank it’s been a week now and there not calling me back. they are one of the banks that got some of the bail out  $ from obama and it turns out there the ones that hold my mortgage this whole time? They say that fcc are my investors?..........ALL I WANT IS THEM TO HONOR THE $180.000.00 PAYOFF AND SET PAYMENTS TO THAT EFFECT…..  I don’t understand how they can get away with all this crap over the years if I rip someone off on a car it goes to court and they get 3 fold when they prove there case . but on a home you can prove the mortgage vultures wrong and nobody does nothing makes no sense I caught them ripping me off over the years and proved it and I can still now .but yet they get away with it .im a guy that caught them lying on the original app and can afford my payment .. They just never straightened it out and don’t have to answer to no one.3/2/09 CALLED CITY  GAVE THEM THE ACCT # FROM FCI AND THEY HAD NO RECORD GAVE THEM MY SS# MY LOAN CAME UP AS FORCLOSED ALL READY STEVE EMPLOYEE #SS25554 ASKED ME TO HOLD ON SOMETHING IS WRONG CAME BACK ON SAID THAT CITI TOOK OVER MY LOAN 2/14/09 LOAN #’S 0152392700 & 0152374864 AND THAT FCC WAS INSTRUCTED TO SEND CITI MY PAPER WORK BUT DIDN’T YET THAT  ACC  IS MY INVESTER AND THEY HIRED FCI THE SERVICING COMPANY I CALLED THEM AND SPOKE WITH ANDY THERE HE SAID THAT HE WILL NOTE THE ACCT BUT WOULDN’T TELL ME IF ITHEY WILL RELEASE MY INFO TO CITI ON THE PHONE WITH CITI AGAIN THERE SAYING THAT THEY PUT IN FOR MY PAPERWORK  TO BE SENT TO THEM AGAIN AND HAVENT GOT A REPLY FROM ACC OR FCI THAT FCI IS PROBLY HOLDING ON TO IT BECAUSE THEY WILL MAKE $$ IF IT GETS FORCLOSED BUT WONT MAKE $$ IF THEY  SEND IT TO CITI WHO OWNS ITCITI IS TELLING ME THAT IT TAKES UP TO 3 WEEKS FOR THEM TO GET MY PAPER WORK AND A SUPERVISOR IS TRYING TO GET ITI SAID WELL WHAT HAPPENS IF THEY DON’T SEND IT & CAN THEY CALL JOE SEDANO AND TELL HIM TO BACK OFF THAT CITI OWNS THE LOAN NOW AND WILL BE WORKING WITH ME AS SOON AS THEY GET MY PAPER WORK ,CITI SAID THAT I JUST HAVE TO WAIT & THAT THEY CANT REWRITE MY LOAN UNTILL THEY GET THE HISTORY  FROM FCI IT IS MY FEAR THAT FCI & ACC DONT HAVE IT  well citi is going to contact joe sedano today and demand the paper work and tell fci that they have our loan now and to back off and stop forcloser  or contacting me /sending me letters & citi will call me back within 3 days

Well i am as far as the sheriff sale.My house was to go up to be sold on March11th.On March 10 i presented a motion to stay the sheriff sale.It was granted based on the note and the federal relief.My mortgage is the losers EMC.They said i don't qualify right now but if i would put 1500 down and pay 470 a month for 6 months then they would consider it.It has been a week already and still have never gotten the 8 page agreement.I call to speak to the rep he is either not there or they have to e-mail him.I wiull post more about it later but need some input.Mark

NO IT WASN'T A SERVICING COMPANY.IT WAS THE JUDGE OF THE COURT I AM NOT YELLING I JUST LIKE THE CAPS ON.THE JUDGE WAS WELL AWARE OF THE RELIEF.bUT THEY DID FINALLY FAX THOSE PAPERS TO ME TODAY AGTER ALL THE HELL I WENT THROUGH.BUT SOMEONE SAID NOW THAT I GOT THEM GET THEM FILLED OUT AND SEND THEM.THIS SHOULD GET ME AUTOMATICLLY HELP ME WITH A MODIFICATION ONCE THE PRESIDENT FINISHES TH E DETAILS.BUT I STILL AM NOT OUT OF THE WOODS YET.THEY SENT THE NOTE PAPERS BUT WERE NOT THE ORIGINALS THEY WERE JUST CLOSING PAPERS FROM ANOTHER MORTGAGE CO.I JUST DON'T UNDERSTAND ALL THISWHAT DO YOU THINK?

http://www.ftc.gov/opa/2008/09/emc.shtm

Local man stops foreclosure with `Produce the Note’ - March 23, 2009

One Broker’s View on the Foreclosure Crisis

Robert L. from Dana Point California is a longtime mortgage broker and real estate agent and has had a front-row seat as the housing crisis has unfolded.

He shared his story via COP.Senate.gov:

I have been in Real Estate sales for 32 years.. I have been a Real Estate broker since 1984. I am proud of my record as I have never had a complaint lodged against my license. I sold houses, investment property, sold REO and now I'm working with people who are losing their homes…

[One story] that will always stick in my mind concerns an 84 year old man who could no longer work and his 80 year old wife. His wife had two jobs trying to keep their home. She would go to work in the morning early work until about 3:00 pm go to sleep and then work as a dispatcher late in the night. I think it was for the police department in her town.

We tried to get them a loan modification putting the 3 or 4 months they were behind on the back of their loan… The second lender was willing to help the 1st was not. They would not help because she could only find some of her medical bills to prove she was sick. She did have some but not the bill from the hospital were she had to pay her portion of the bill…

The lender was relentless, foreclosing on the couple and forcing them to move out in the middle of an Idaho winter…

Trustees don't have anything to do with administering loans. They contract that work out through Pooling and Servicing Agreements (PSAs) to mortgage servicing companies.

Unfortunately, that's simply not true. If you can point to a case cite that made an investor liable for the acts of a lender we'd love to see it.

Getting a trustee to modify a loan is the equivalent of herding cats. There are too many investors with competing agendas for a trustee to attempt to get them all to agree to modifications. That's why so-called modifications being done are little more than re-named forbearance agreements that protect the servicers' interests.

Case Management Conference

What is a Case Management Conference (CMC)?

A CMC is a meeting that takes place at the Court House. Attendance at this meeting is limited to the Judge, and the parties (the Plaintiff and the Defendant). If party has a lawyer representing him or her, the lawyer may also attend. This meeting happens after the Plaintiff begins the lawsuit by filing the Claim/Summons, but before the trial. Generally, the CMC is 30 minutes to one-hour long.

This meeting is not a trial and, therefore, witnesses do not attend at this stage.

Why Have a CMC?

         The CMC is a mandatory step in the Small Claims process for most of the civil claims filed. The purpose of this meeting is to try settling some or all of the issues in dispute before going to trial. This may mean that a trial is ultimately not necessary. However, if a trial is still needed, it might be shorter and simpler because some of the issues have been resolved at the CMC.

What Happens at a CMC?

            The CMC begins with the judge and the parties meeting together to discuss the case. In certain situations, the judge may even take turns meeting with the parties separately to discuss each side of the case. Exactly how a meeting proceeds may vary from case to case.

            During this meeting the Judge will give the parties input on their case, including:

·         the Judge’s assessment of the strengths or weaknesses of each party’s evidence

·         the Judge’s opinion of the statute or common law that might apply

·         the Judge’s suggestions for possible resolution

How Do I Prepare for a CMC?

            It is important to come to the CMC prepared to deal with your case. This means that you must bring all relevant documents with you. It is helpful if these documents are organized by date. Unless otherwise directed by the Court, all parties must attend the CMC and be authorized to settle the case. It is not sufficient to send someone on your behalf who cannot consent to a settlement.

Rules of a CMC

1.   The judge conducting the CMC will not be the trial judge so parties can speak freely.

2.   All settlement discussions are “off the record”. This means that if a trial is necessary, the discussions from CMC cannot be used by either party at trial.

This includes any of the opinions expressed by the judge on any issue.

3.      It is possible that there may be some points of agreement reached during the discussion. If so, the CMC Judge will advise the parties that these points will be communicated to the trial Judge.

What If The CMC Does Not Lead to Settlement?

If no settlement is achieved at the CMC, the matter will proceed on to trial. The date for the trial will be set at the CMC. At the trial, the judge may award certain costs if the matter could have been settled at the CMC but was not.

If the case must proceed to trial, the CMC judge asks the parties for certain information about the trial. This includes:

·         The number of witnesses the Plaintiff plans to call.

·         The number of witnesses the Defendant plans to call.

·         The need for any expert evidence or expert witnesses for either party, including the expert’s name, occupation and title/position.

·         Will either party be getting a lawyer to represent them at the trial?

·         Are there documents that the parties must exchange?

·         How are exhibits going to be presented? For example, photographs are better than bulky engine parts or a can of paint.

·         Are there any special requirements? For example, a witness from out of town who wants to give telephone evidence.

The CMC judge will conclude the meeting by ensuring that each party receives an information package entitled “Preparing for Trial”. He or she will also give a brief explanation of the trial process and how to prepare.

Finally, the parties are free to continue settlement discussions on their own anytime after the CMC. If a settlement is reached, the Plaintiff should advise the Court in writing.