For those who may not remember or are new to this blog, I was swept up in the mortgage mess that started our economic downturn. You can read about the summary here. I declared bankruptcy in 2009 as a result. My mortgage bank lied and provided false documents in court, and I was able to prove it. I sued them in Federal Court, and we settled out of court for $7,500. They paid me to go away. Then, in June of 2011, I won the foreclosure case after a year and a half of acting as my own attorney as I fought it in court.

Because no one knows who owns the mortgage, there are three different entities who have a potential claim:

1 The original bank. (Let’s call them Mortgage Trust Company) They are the ones that I beat in court. They claimed to own my mortgage, sold it, filed the assignment with the courthouse, but still claim to be the mortgage holder.
2 Fannie Mae (FNMA) They also claim to be the owner, and they claim that Mortgage Trust Company is acting on their behalf. Like Mortgage Trust Company, they cannot produce a single document to show that they are the owners of the note or mortgage.
3 Nationstar mortgage. There is a recorded document at the courthouse that names Nationstar as the mortgage holder, and it is signed by Mortgage Trust Company’s agent, MERS. The problem here is that Nationstar has no record of this.

Clear as mud? So last year, they started trying to collect money again. So, last month, I filed another lawsuit in Federal Court. This time, I was able to get an attorney. Let’s see how much money we get this time.

I am not alone. In Florida, the banks are still lying and committing fraud to steal people’s homes. This needs to stop, but I am not counting on our corrupt government to stop it. This family has been messing with it for two years:

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