John’s Daily Blog Older #14 Date (01/29/12-01/03/12)

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Jan 19th to Jan 3rd below

But click here for today’s daily blog

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January 28th John’s Day Off

January 29th John’s Day Off

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January 27th, 2012

I was watching the Republican presidential debate last night in Florida between Rick Santorum, Newt Gingrich, Mitt Romney, and Ron Paul. It appears by the debate that the final running two will probably be Newt Gingrich and Mitt Romney. I say this because there seemed to more airtime given to them both in the debate than to Rick Santorum and Ron Paul. However, the highlight of the debate seemed to center around Newt Gingrich making the allegation that Mitt Romney owned shares in Fannie and Freddie at one time, while Gingrich goes on to say that Romney has investments in Goldman Sachs. Newt Gingrich points out that Romney has made money off of homes that were foreclosed on in Florida. Mitt Romney’s response to this allegation was even more interesting, because he seemed to like to play the “I am so rich that I do not know what my people buy for me” card. This is even though he seemed to be able to answer the question as if he did know a lot about it.

Then at one point Newt Gingrich started to debate Wolf Blitzer.

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Then CNN reported today that: “Romney, like many wealthy politicians, put much of his fortune into blind trusts as a way of walling off his financial interests–a move designed to eliminate any appearance of conflict of interest. But are blind trusts truly blind? Back in 1994, when Romney ran for Senate against Sen. Ted Kennedy, Romney knocked Kennedy’s blind trusts as “a ruse,” saying anyone who wanted to could easily determine where their money was going.” – What does John Wright think about this? – click here Looks like that boy is talking out of both sides of his mouth. (Smirk)

I don’t like Newt or Mitt! Both their hands are dirty! We already know from the past what we would get if we vote for either one of these guys. We are going to get an asshole for President! And I am a really good judge of character! I mean the fact that Mitt Romney’s three biggest donors are the banks tell the whole story. However, do you know who I would vote for if he ran? I would vote for New York Attorney General Eric Schneiderman! Check out today’s news headline – New federal morgage fraud task force subpoenas 11 banks

Mitt Romney’s answer reminded me a lot of Ronald Reagan’s answer to the Iran Contra scandal. This is because Romney, like Reagan, seemed to imply that he was not responsible even though it was done with his authority. This is because he explains that his investments are in a blind trust where someone else does it for him. I wonder if the guy who does it for him is named Oliver North? (Wink) At any rate, Romney then goes on to say that there is a big difference in buying U.S. savings bonds and getting a return, in which I have to say that I agree, but I wonder if we would feel any responsibility if he found out that he was loaning money to the Nazi government or a some drug lord. Here is the best part! Then Romney said that he wanted to “Get the foreclosures out of the system. Let people get into homes. Rent properties if necessary. And get America’s housing industry growing again.” Once again, he said “Let people get into homes” and not “Let’s try to keep people in their homes,” which is why nobody here should make any mistake about what would happen to them if they vote for Mitt Romney for President.

Romney: Accelerate foreclosures to ‘allow investors to buy up homes’

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Republican presidential candidate Mitt Romney argued Monday that the U.S. housing market would be better off if more American families were renters instead of homeowners.

“One is, don’t try and stop the foreclosure process,” the candidate told the Las Vegas Review-Journal in response to a question about what he would do to encourage housing. “Let it run its course and hit the bottom, allow investors to buy up homes, put renters in them, fix the homes up, and let it turn around and come back up.”

“The Obama administration has slow-walked the foreclosure processes that have long existed and as a result we still have a foreclosure overhang,” Romney added

Daily Kos’ Jed Lewison predicted that Romney’s quote would almost certainly end up in a campaign ad if he survives the nomination process.

“It’s not just that he’s saying we need to help banks put more people out of their homes, it’s not just that he’s saying we need to do it until we hit bottom, it’s that he’s also saying that then and only then will ‘investors’ feel comfortable buying up homes so that they can rent them out to the people who used to own them,” Lewison wrote.

Romney will appear with the other Republican candidates at a CNN debate in Las Vegas Tuesday. Nevada has the country’s highest foreclosure rate. One in every 118 households in the state were foreclosed on in August, according to RealtyTrac. - Original article

Watch this video from Las Vegas Review-Journal via Daily Kos.

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At any rate, after all this, I really just have one question here. It might be the most important question of the whole debate. I want to know who the hell names their kid Mitt and Newt?

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 26th, 2012

It was so nice to receive emails from all of you yesterday about what President Obama had to say about holding these bankers and banks accountable in his State of The Union speech. You made it readily apparent that you are not just here to save your house. You also let me know that you are here to save America from what these banks did to our country, while you have genuinely expressed a sincere interest in holding those accountable from top to bottom that caused this crisis with their greed. It may prove to be “The Year of Accountability for The Banks” after all, if President Obama holds true to his promises that he made that this “new unit will hold accountable those who broke the law”. The American homeowner was inspired by the President’s speech on Tuesday night, while they seemed to tune into the parts where the President stated that he “established a financial crimes unit of highly trained investigators to crack down on large scale fraud” to protect peoples investments. The President also said that he directed the United States Attorney General to expand their investigation into the abuse of lending and packaging risky mortgages that lead to the housing crisis. He said that this new unit would hold accountable those who broke the law. Good! Then United States Attorney General should first start with how these banks sold the same loan multiple times to multiple investors, while incorrectly identifying the wrong owner of the debt at the time of fraudcloser. This way they can “speed up assistance to homeowners,” such as President Obama said in his speech. There should be a national fraudclosure freeze until they complete their investigation. That is if President Obama truly cares about things being fair like he said in his speech. This is because this seems to be a crime in progress as we speak, and it would be the first step in holding these big banks accountable according to the laws of our land. It should never be a policy that payment for crime is good for the economy. Instead, it should be a policy that sends a message to the banks that crime does not pay. Otherwise, it could be very dangerous if we accept that we should look the other way when crime occurs, simply because it helps the economy. For example, there was a time that the world looked the other way when a man named Adolf Hitler thought it would help the German economy to throw the Jews out of their homes. Unfortunately, his Consumer Financial Protection Bureau looked like this – click here

All Eyes Are On

Richard Cordray and

U.S. Consumer Financial Protection Bureau

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Wikipedia reports that Richard Cordray (born May 3, 1959) is an American politician, who is serving as the Director of the United States Consumer Financial Protection Bureau, which officially began operating in July 2011. Before that he was Attorney General of Ohio, On July 17, 2011, President Barack Obama announced he would nominate Cordray to lead the United States Consumer Financial Protection Bureau. On January 4, 2012, the White House announced that it would make a controversial recess appointment of Cordray to the post. – continued info on Richard Cordray

howstuffworks.com reported – On July 15, 2010, the U.S. Senate voted 60-39 to approve the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The bill — representing the most sweeping financial restrictions since the Great Depression — gives Congress the right to break up corrupt banks and other financial institutions, eliminates proprietary trading, and ends the practice of bailing out banks in trouble.

In other words, it increases oversight of the financial industry in an effort to prevent the kinds of practices that many believe have led to — or worsened — the financial crisis. But what about the average Joe (or Jane) with 2.5 kids, a car and a mortgage? After all, regular people have also felt the effects of everything from corrupt lending practices to policies that work in businesses’ favor while putting customers at risk. Just think of the hundreds you’ve paid in hidden credit card fees over the years, or those who have been dropped by their insurance companies after getting sick. The idea of massive bank bailouts and financial firms earning record profits hasn’t sat well with consumers feeling the pinch of the recession, either. Many hoped the Wall Street reform bill would protect people, not just regulate businesses.

While it won’t apply to certain industries — automotive in particular — the new law does create a new office, to be called the Bureau of Consumer Financial Protection. It’s not an entirely new bureau, since it will pick up consumer protection responsibilities from several entities that already exist, such as the Federal Trade Commission. Once the transition is complete, the office will be able to regulate a wide variety of consumer financial services, from online banking to high-interest payday loans. – actual article

Yahoo news reported – President Barack Obama’s decision Wednesday to nominate former Ohio attorney general Richard Cordray to the Consumer Financial Protection Bureau has sparked anger from Republicans who oppose the president’s decision to sidestep the Senate with a recess appointment.

But in Massachusetts’ Senate race, the decision has turned into bipartisan election fodder that both candidates hope to use to their advantage.

Democratic candidate Elizabeth Warren, the president’s first choice to lead the bureau, by Thursday had already purchased Google advertising connected to the appointment. “Obama Appoints Cordray/ElizabethWarren.com” is one of the advertised Google search results for a combination of “Cordray” and “Appointment.” Warren also issued a fundraising email related to the president’s decision.

On the Republican side, Sen. Scott Brown bucked his party by expressing support for the appointment. Brown said in a statement:

I support President Obama’s appointment today of Richard Cordray to head the CFPB. I believe he is the right person to lead the agency and help protect consumers from fraud and scams. While I would have strongly preferred that it go through the normal confirmation process, unfortunately the system is completely broken. If we’re going to make progress as a nation, both parties in Washington need to work together to end the procedural gridlock and hyper-partisanship. – continued article

So I guess we will just have to wait and see if President Obama will go down in history as the “President Who Brought Bank Accountability”. Otherwise, President Obama may go down in history as the President that Americans had to make accountable in the next election instead. That is unless President Obama is able to deliver to us what he promised in his State of Union speech, such as he promised that the United States Justice Department and Richard Cordray would hold those accountable who broke the law.

Do it for Johnny Mr. President!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 25th, 2012

Did you watch the State of the Union Address last night? President Obama said the following about The Great Mortgage Crisis: “In 2008 the house of cards collapsed. We learned that mortgages were sold to people who could not afford or understand them. Banks had made huge bets and bonuses with other people’s money. Regulators had looked the other way or did not have the authority to stop the bad behavior. It was wrong. It was irresponsible. And it plunged our economy into a crisis that put millions out of work, saddled us with more debt and left innocent hard working Americans holding the bag.” Well let’s take a look at what the President said here. The President said that: “The regulators had looked the other way or did not have the authority to stop the bad behavior.” I agree that the regulators looked the other way, but I do not agree that they did not have the authority to stop the bad behavior. Neither do they lack the ability to hold them accountable today for their bad behavior. This is because these banks were selling the same mortgage loans multiple times to multiple investors at the same time. Currently they are fraudclosing on homes where they have incorrectly identified the owner of the debt. This means that the banks are committing fraud on a massive scale. The regulators are still “looking the other way”. This is because there seems to be a crime in progress as we speak, as long as these banks are allowed to fraudclose on properties where they have incorrectly identified the owner of the debt. That is why I think there should be a foreclosure freeze that allows a process for every single homeowner to have access to a Chain of Title and Securitization check done. This should be mandatory because the situation does not seem to be isolated. The government should actually pay for each homeowner to have it done. This is because the President willingly admits that the regulators looked the other way. This means the government should be held accountable too. The implications of this might suggest that the regulators are in bed with banks, unless those very same regulators do something today to stop the potentially irregular, frauduent, illegal, and simply unsafe frauclosure practices of these banks with no further delay.

Previous to the State of the Union, state attorney generals and the Obama Administration met in Chicago. Many had theorized that the President would announce a weak sweetheart foreclosure settlement with big banks during the State of The Union. Instead, President Obama announced a full federal investigation into the fraudulent activities of big banks.

EXCLUSIVE: Obama To Announce Mortgage Crisis Unit Chaired By New York Attorney General Schneiderman

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Date: 1/24/12

WASHINGTON — During his State of the Union address tonight, President Obama will announce the creation of a special unit to investigate misconduct and illegalities that contributed to both the financial collapse and the mortgage crisis.

The office, part of a new Unit on Mortgage Origination and Securitization Abuses, will be chaired by Eric Schneiderman, the New York attorney general, according to a White House official.

Schneiderman is an increasingly beloved figure among progressives for his criticism of a proposed settlement between the 50 state attorneys general and the five largest banks. His presence atop this new special unit could give it immediate legitimacy among those who have criticized the president for being too hesitant in going after the banks and resolving the mortgage crisis. He will be in attendance at Tuesday night’s State of the Union address.

“The goal of this joint investigation will be threefold: to hold accountable any institutions that violated the law; to compensate victims and help provide relief for homeowners struggling from the collapse of the housing market, caused in part by this wrongdoing; and to help us finally turn the page on this destructive period in our nation’s history,” reads a White House document outlining the objectives.

“This is a big achievement and something the entire progressive advocacy community wanted [with respect to] housing policy,” added the White House official.

The unit will not supersede the efforts already underway by the Department of Justice. Instead, it will operate as part of the president’s Financial Fraud Enforcement Task Force. In addition to Schneiderman, the unit will be co-chaired by Lanny Breuer, assistant attorney general at the Criminal Division of the Department of Justice, Robert Khuzami, director of enforcement at the SEC; John Walsh, a U.S. attorney in Colorado, and Tony West, assistant attorney general in the Civil Division at DOJ.

News of the new mortgage unit comes amidst reports of a potential settlement between the five biggest banks, the Obama administration and the state attorneys general. Under the deal, banks would agree to follow existing laws against abusive foreclosures and set aside $25 billion to both help homeowners who are underwater on their homes or who were wrongfully foreclosed. The agreement has been in the works for months, with disagreements over the level of legal immunity granted to banks accused of wrongdoing, and the scope of violations covered by the deal.

Critics of the pending settlement have argued that the president should couple the financial relief for homeowners with a robust law enforcement effort targeting lawbreaking by big banks. Schneiderman has been among the settlement’s most prominent critics for months, insisting that a deal not release bankers from criminal charges, and urging AGs to look into violations outside the foreclosure process, including issuing fraudulent loans and improprieties in the packaging of those loans into complex bonds that would become toxic assets. – Huffington Post article

Please contact President Obama and tell him congraulations. Please also tell him that we want an investigation with real teeth. Tell him that we need $300 billion in relief for homeowners to reset our economy and bring justice to families. – click here

The President of The United States:

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Complete State of The Union Speech: Click here

The President said: “This new unit will hold accountable those who broke the law.”

For the record, the banks received enough bailout money to have given each homeowner over one hundred and fifty thousand dollars per homeowner. Now President Obama wants to give us only three thousand dollars a year? Huh? Whatever! Didn’t he just say he wanted it to be fair? How about we start there? (Wink)

At any rate, all eyes are on Richard Cordray of the new consumer agency and Eric Holder of the United States Justice Department. – Click article

I hope they know that the whole world is watching.

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 24th, 2012

I have received verification that the John O’Brien interview will probably happen the second week of February. Mr. O’Brien will bring with him his First Assistant Kevin Harvey. John O’Brien is the Southern Essex District Register of Deeds in Salem Massachusetts. O’Brien made headlines around the nation by saying that his registry was turned into a crime scene by the banks, because he claims that the banks flooded registries across the United States with falsified documents.

O’Brien calls for criminal action against the Big Banks

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Says they acted like “criminal enterprise”

Saying that the time has come for a full scale criminal investigation, Southern Essex District Register of Deeds John O’Brien, today has sent some 31,897 of what he says are fraudulent documents that have been recorded in the Salem Registry to Massachusetts Attorney General Martha Coakley, U.S. Attorney General Eric Holder and U.S. Attorney Carmen Ortiz.

O’Brien said that he is asking these officials to impanel a Grand Jury to look into the evidence that he has presented. “I am confident that these documents will show a pattern of fraud, uttering and forgery. These documents are signed by known robo or surrogate signers, whose signatures were supposedly witnessed by notary publics. In addition, these documents may contain fraudulent information in the body of the documents. I believe that a criminal investigation is the next step to hold the perpetrators responsible.”

O’Brien praised Attorney General Coakley for her aggressive pursuit of wrongdoing in her civil action but noted that other states such as California, Nevada, Illinois and Michigan have launched criminal investigations, and O’Brien is hopeful that Massachusetts will do the same. O’Brien strongly suggests that the Grand Jury should subpoena both the past and present Chief Executive Officers (CEOs) of the Mortgage Electronic Recording Systems, Inc. (“MERS”), Bank of America, JP Morgan Chase, Citibank, Wells Fargo, Countrywide, Washington Mutual among others.

In addition, he is asking that the top officials of DOCX, Nationwide Title Clearing, Inc. and LPS also be subpoenaed. “These companies have been retained by MERS and its member-banks to produce the documents that I am alleging contain fraudulent information. It is one thing to go after these institutions with a civil action, but the only way to let them know that you are serious is to call them before a Grand Jury.” O’Brien said, “There is no question in my mind that the officers of these banks and loan processing servicers made a conscious decision to commit fraud and participate in a scheme to deprive the public from knowing the true holder of their mortgage while at the same time avoiding paying billions of dollars in recording fees.

It is my opinion that they acted as a criminal enterprise, crossing state lines to commit their crimes and in most cases using theU.S. Postal Service to send these documents to registries of deeds, thereby committing mail fraud. We need to know what they knew and when they knew it.

Until the CEOs who allowed these fraudulent activities to happen under their watch are sent to jail for what they did, these types of illegal behaviors will continue.” Just last week, O’Brien’s Registry received 3 documents from Bank of America, all signed by a known robo-signer, Linda Burton. O’Brien said, “If they are sending them to me, of all people, it is safe to assume that they are sending them to registries across the country.”

O’Brien refuses to record any documents signed by a robo-signer on his list unless those documents are accompanied by an affidavit attesting to the signature. So far, he has not received one affidavit. “That clearly shows me that those documents were in fact fraudulent.” O’Brien said that if he or anyone else went into one of these major banks and forged a signature on a loan document they would be arrested and sent into jail.

So it begs the question, why haven’t these CEO’S been held accountable? O’Brien cited the case of the individual who walked into a Walmart and tried to make a purchase using a fraudulent One Million Dollar bill. He was arrested and charged with attempting to obtain property by false pretence and uttering a forged instrument. O’Brien said, “As far as I am concerned, this is what these banks have been doing for years. Make no mistake, MERS and its member-banks are taking people’s homes using fraudulent documents and that is something we do not do in America.”

In addition, O’Brien is zeroing in on the major foreclosure law firms that he believes have acted as a co-conspirator in flooding the registries of deeds with these fraudulent instruments. “These attorneys should know better. They have acted as co-conspirators in perpetrating this fraud. I am sending a letter to the Massachusetts Board of Bar Overseers asking that they conduct an independent investigation into the activities of these firms.

Unlike our Massachusetts Attorney General Martha Coakley, I understand that there are other Attorneys General and other public officials across the country who would like nothing better than to sweep this matter under the rug and grant these lenders, loan servicing companies and their foreclosure-mill attorneys immunity for the damage that they have caused, not only to our economy but to people’s property rights. They would be willing to accept pennies on the dollar, a slap on the wrist, and a promise to never do it again. If that should happen, it would be the biggest sellout of the American People that I have ever seen. It would send the wrong message that the big boys can get away with anything.

As I have been saying all along, they may think they are too big to fail, but as far as I am concerned, they are not to big to go to jail. The top officials at MERS, its member-banks, servicers and foreclosure-mill attorneys must be prosecuted and held accountable for their fraudulent schemes that brought profits to their institutions by cutting corners, circumventing land recordation systems through fraud, uttering and forgery.”

His name is John O’Brien AND HE IS FIGHTING BACK!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 23rd, 2012

There are many of you out there who have written me over the past two weeks but have probably not received an answer from me yet. This is because I have been sort of taking a break from email lately. I get anywhere between 50-100 emails a day, in which responding to each one of them can end up a lot like donating blood. This is because I get a little dizzy unless I take a break here and there. I apologize for their being any delay, however, I intend to go through a lot of them over the next few days.

I notice a lot more activity coming in on my blog from the United States Justice Department lately. They used to be always typing in “Mitchell J. Stein,” but now there seems to be some kind of shift, because now they type in keywords that imply they are investigating the banks.

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All I have to say about that is that IT IS ABOUT FUCKING TIME!

They should start their investigation by just having a Title and Securitization Search done on their own property, if they would like to follow the yellow brick road to the bank that might have sold their mortgage multiple times to multiple investors at the same time. I bet you that it would be a whole different story. That is if it were actually all of their fricken homes that the banks and Bank of Destroying The American Dream were trying to steal. I would suggest even having one done on the White House itself, because I would not be surprised if President Obama mortgaged the White House to pay for his health care plan. (Tongue -in -cheek) Which by the way, what happened to Change? The only “change” that seemed to happen with this President was the “change” that the banks and Wall Street donated to his campaign. That is why I think we should vote the candidate in that received the least or no money from the banks and Wall Street.

BREAKING NEWS

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It’s the eleventh hour and the White House is about to strike a deal with big banks. President Obama wants to be able to point to a big bank foreclosure settlement in Tuesday’s State of the Union as a measure of progress towards more Wall Street accountability. But the deal on the table is appalling, especially when compared to 2011 big bank bonuses.

Proposed total restitution for the millions of Americans who lost their home due to illegal foreclosure tactics: $20 billion. 2011 big bank bonuses: $144 billion. Something is very wrong with this picture!

$20 billion is only a fraction of what is needed to reduce principal balances on millions of underwater homes; it is shameless that the White House isn’t demanding more money for principal reduction from the same big banks that crashed the economy.

Can you call the White House right now and tell them to launch a full investigation into Wall Street and make sure big banks are held fully accountable for the crimes that caused so many to lose their homes?
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1. Includes at least $300 billion in principal reduction
2. Includes a full investigationinto Wall Street conduct leading up to and a during the financial crisis
3. Does not include blanket immunity for big banks from future legal challenges.

Refer the White House to John’s Daily Blog at Piggybankblog.com

That is why I am going to cast my vote for Ron Paul. I figure he cannot fuck things up any more than any of the other Presidents have already done. Who knows? Maybe he will help take our nation back from these banks.

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Vote for Ron Paul for President!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 22nd, 2012

There are many that complain to me that the Office of the Comptroller of the Currency (OCC) has proven to be an ineffective route for the homeowner in this fight. This is because even though they are supposed to ensure fair access and equal treatment to national bank customers as part of their mission, it appears that there is nothing fair or equal about their potentially incompetent process. I say this because the OCC might prove to be ineffective in bringing accountability to the banks for their potentially irregular, fraudulent, illegal, and simply abusive mortgage selling practices, which allow the banks to fraudclose on a home where they have incorrectly identified the owner of the debt. The homeowner reported to me that the OCC representative stated for the record that they are not obligated to tell the homeowner what action they take against the bank, if any, because it is confidential. In other words, the representative was basically implying that the OCC is as unaccountable for their actions as the banks. Not so maestro! This is because the OCC is a federal agency, which means that they are completely accountable to the taxpayer, if we decide to make them produce any documents of their investigation pursuant to the Freedom of Information Act. The Freedom of Information Act (FOIA) is a federal freedom of information law that allows for the full or partial disclosure of previously unreleased information and documents controlled by the United States government. The Act defines agency records subject to disclosure, outlines mandatory disclosure procedures and grants nine exemptions to the statute.

1. Those documents properly classified as secret in the interest of national defense or foreign policy;
2. Related solely to internal personnel rules and practices;
3. Specifically exempted by other statutes;
4. A trade secret or privileged or confidential commercial or financial information obtained from a person;
5. A privileged inter-agency or intra-agency memorandum or letter;
6. A personnel, medical, or similar file the release of which would constitute a clearly unwarranted invasion of personal privacy;
7. Compiled for law enforcement purposes, the release of which
   1. could reasonably be expected to interfere with law enforcement proceedings,
   2. would deprive a person of a right to a fair trial or an impartial adjudication,
   3. could reasonably be expected to constitute an unwarranted invasion of personal privacy,
   4. could reasonably be expected to disclose the identity of a confidential source,
   5. would disclose techniques, procedures, or guidelines for investigations or prosecutions, or
   6. could reasonably be expected to endanger an individual’s life or physical safety;
8. Contained in or related to examination, operating, or condition reports about financial institutions that the SEC regulates or supervises; or
9. And those documents containing exempt information about gas or oil wells.

The required response time is within 20 working days.

John G. Walsh – Acting Comptroller of the Currency

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John Walsh became acting Comptroller of the Currency on August 15, 2010.

Prior to joining the OCC, Mr. Walsh was the Executive Director of the Group of Thirty, a consultative group that focuses on international economic and monetary affairs. He joined the Group in 1992, and became Executive Director in 1995. Mr. Walsh served on the Senate Banking Committee from 1986 to 1992 and as an International Economist for the U.S. Department of the Treasury from 1984 to 1986. Mr. Walsh also served with the Office of Management and Budget as an International Program Analyst, with the Mutual Broadcasting System, and in the U.S. Peace Corps in Ghana.

Mr. Walsh holds a masters in public policy from the Kennedy School of Government, Harvard University (1978), and graduated magna cum laude from the University of Notre Dame in 1973. He lives in Catonsville, Maryland. He is married with four children.

Does he work for the banks? Let’s take a look!

Treasury Criticizes OCC Publicly on Pre-Emption in Dodd-Frank

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June 29th, 2011

The Treasury Department, not exactly hero to the consumer in the Obama era, is so incensed by the Office of the Comptroller of the Currency’s draft rule on Dodd-Frank consumer protection that they took the rare step of publicly criticizing the fellow regulator:

The extent to which states can trump federal regulations and enforce their own rules against national banks was a flash point in the writing of Dodd-Frank and one that divided Democrats. Early versions of the legislation would have given states broad powers to regulate banks, a position supported by the Treasury. National regulators, including the OCC, were criticized during the financial crisis for shielding banks from tougher rules put in place by states, especially those regulating consumer products, including mortgages.

In the end, lawmakers scaled back the proposed state powers after being pressured by centrist Democrats, and the intent of the final legislation remains a matter of dispute. Its supporters say the final law raised the bar for banks that wanted to argue they needed an exemption from state laws. Banks argue the law essentially preserved the current standard the OCC uses to determine when federal law trumps state regulation.

The OCC’s rule under question asserts that all of its previous decisions to shield banks from specific state laws remain valid even though Dodd-Frank revised the standard by which the regulator must make those determinations. The Treasury argues the OCC has ignored the law’s language.

Specifically, Treasury General Counsel George Madison said that the OCC draft rule “is inconsistent with the plain language of the statute and its legislative history.” OCC offered a mild comment saying that they “appreciate the important points raised in the comments submitted by Treasury” and would take them under advisement.

That’s a big blow-off. And this whole circumstance is quite incredible. If any one regulator can be blamed for the financial crisis, it would be OCC, who used federal pre-emption laws to stop states looking into incidents of mortgage fraud. If states would have been allowed to go further prosecuting subprime lenders, there would have been a counter-balance to the urging of Wall Street to book more loans, regardless of the underwriting. This of course led to the housing bubble and the inevitable crash. OCC was practically acting on orders from the big banks they regulated when they stopped state regulators and kept money pouring into the casino. Now they want to do it all over again by ignoring federal statutes to the contrary.

This is not the first time recently that Acting OCC Director John Walsh has been criticized for his cozy relationship to the banks. Last week he gave a speech in London criticizing what he views as too-large capital requirements. This prompted several Senate Democrats to call for his replacement, including Sherrod Brown. Walsh is a holdover from the Bush Administration. His former boss John Dugan, a bank lobbyist, was the head of the OCC until his term expired almost a year ago, in August 2010 (Dugan, by the way, pops up in the WSJ article, saying that Walsh’s speech “could not have been a more moderate, sensible, thoughtful speech in my opinion”). The President has not named a replacement.

Not only that, but the Treasury Department APPOINTED Walsh and could replace him at any time, regardless of whether or not there was a nominee. This is a bank lobbyist’s former chief of staff regulating the nation’s top banks, and clearly siding with them, at a time when key rules are being written on financial reform. - click here

Does the Piggybankblog council find Walsh guilty or not guilty for working for the banks?

(Above youtube not part of actual article)

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Unsurprisingly, the banks support OCC’s interpretation of Dodd-Frank, which very explicitly ignored the law entirely.

Louise Story has more on this. It’s truly revolting that Walsh still has an office.

The Comptroller of the Currency is the chief executive of the Office of the Comptroller of the Currency (OCC), which supervises approximately 2,000 national banks and federal savings associations as well as 50 federal branches and agencies of foreign banks in the United States. These institutions comprise nearly two-thirds of the assets of the commercial banking system. The Comptroller also is a director of the Federal Deposit Insurance Corporation and NeighborWorks® America.

Mr. Walsh joined the OCC in October 2005 and previously served as Chief of Staff and Public Affairs. – Original source

Therefore, in the end, it appears that it is not only the banks that we must hold accountable, but also the regulatory agencies that might be in bed with them too. This is because the simple fact is that the OCC is a government created agency that was built to protect bank customers. So if they are unable to do that to our satisfaction, I am guessing that makes them a big waste of taxpayer money. However, I wonder if Mr. Walsh likes Robert Cordry? Let’s find out by clicking here

Looks like we might have another piggy nose coming for the Wall of Shame.

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 21st, 2012

Many of you have been writing me for an update concerning the Wright et al vs. Bank of America lawsuit. I have heard that there is a second demurrer phase that is happening on February 1st. This is because Brookstone Law Firm apparently added more causes of action to the complaint, in which now Stuart Price will try to get those new causes of action dismissed.

A demurrer is a pleading in a lawsuit that objects to or challenges a pleading filed by an opposing party. The word demur means “to object”; a demurrer is the document that makes the objection. Lawyers informally define a demurrer as a defendant saying, “So what?” to the pleading. It might maybe be more like “So-so-wha-wha-what,” if it is Stuart Price making the pleading. (Wink) At any rate, typically, the defendant (BofA) will demur the complaint, but it is possible for the plaintiff (Wright case) to demur to an answer. The demurrer challenges the “legal sufficiency” of a claim, cause of action, or to the defenses set forth in an answer. If a cause of action in a complaint does not state a cognizable claim (e.g., the claim is nonsense) or if it does not state all the required elements, then the challenged cause of action or possibly the entire complaint can be “thrown out” with a demurrer. A demurrer is typically filed near the beginning of a case, in response to the plaintiff filing a complaint or the defendant answering the complaint. So we will just have to wait and see what ha-ha-happens on February 1st.

Now I would like to talk about the Republican Presidential Candidates. I used to be a conservative Republican. That is until I found out that I was an asshole. (lol) It would be experiencing the politics of The Great Mortgage Crisis that would change me forever. This is because I realized that the Republicans tend to see issues either black or white, in which they never seem to quite find the gray area. The simple fact is that the world is neither black nor white. It is instead full of beautiful colors. This does not mean that I will be voting Democrat either though. I will simply vote for the person that has not received bank donations or bank lobbying money.

Romney: Accelerate foreclosures to ‘allow investors to buy up homes’

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October 18th, 2011

Republican presidential candidate Mitt Romney argued Monday that the U.S. housing market would be better off if more American families were renters instead of homeowners.

“One is, don’t try and stop the foreclosure process,” the candidate told the Las Vegas Review-Journal in response to a questionabout what he would do to encourage housing. “Let it run its course and hit the bottom, allow investors to buyup homes, put renters in them, fix the homes up, and let it turn around and come back up.”

“The Obama administration has slow-walked the foreclosure processes that have long existed and as a result we still have a foreclosure overhang,” Romney added

Daily Kos’ Jed Lewison predicted that Romney’s quote would almost certainly end up in a campaign ad if he survives the nomination process.

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“It’s not just that he’s saying we need to help banks put more people out of their homes, it’s not just that he’s saying we need to do it until we hit bottom, it’s that he’s also saying that then and only then will ‘investors’ feel comfortable buying up homes so that they can rent them out to the people who used to own them,” Lewison wrote.

Romney will appear with the other Republican candidates at a CNN debate in Las Vegas Tuesday. Nevada has the country’s highest foreclosure rate. One in every 118 households in the state were foreclosed on in August, according to RealtyTrac. – Original article

Nobody should make any mistake here to why Romney made this statement. His top three donors ARE THE BANKS! He would end up being a BANK OWNED PRESIDENT! This is exactly what our nation does not need right now.

The only one who seems to not be bank owned is Ron Paul.

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So why would we ever vote for a candidate that has been lobbied by the banks? There is no way in HELL I would ever vote for Mitt Romney, after knowing that he seems to be the bankers favorite choice as President, which should be our most un-favorite choice.

DON’T VOTE FOR MITT ROMNEY!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 20th, 2012

I was listening to the Republican Presidential Debate the other day. I am totally surprised that they really do not mention the Great Mortgage Crisis in a way that represents how big of a deal it is. Actually, I have always been super perplexed to why there has been little to no media coverage on this crisis by both FOX and CNN. This why we have to wonder if they are censoring the news. This is why people have been turning to blogs more and more these days, because it is where you are most likely to receive “Truth News” instead of “Comfort News.” Then you have to think about all these people in the Justice Dpartment that have worked for the banks. For example, today Reuters headlined with: “Top Justice officials connected to mortgage banks”. That’s right! Attorney General Eric Holder and Lanny Breuer, head of the Justice Department’s criminal division, were partners for years at a Washington law firm that represented Who’s Who of big banks and other companies at the center of alleged foreclosure fraud. – Click here

Reuters reported

The firm, Covington & Burling, is one of Washington’s biggest white shoe law firms. Law professors and other federal ethics experts said that federal conflict of interest rules required Holder and Breuer to recuse themselves from any Justice Department decisions relating to law firm clients they personally had done work for.

Both the Justice Department and Covington declined to say if either official had personally worked on matters for the big mortgage industry clients. Justice Department spokeswoman Tracy Schmaler said Holder and Breuer had complied fully with conflict of interest regulations, but she declined to say if they had recused themselves from any matters related to the former clients.

Reuters reported in December that under Holder and Breuer, the Justice Department hasn’t brought any criminal cases against big banks or other companies involved in mortgage servicing, even though copious evidence has surfaced of apparent criminal violations in foreclosure cases.

The evidence, including records from federal and state courts and local clerks’ offices around the country, shows widespread forgery, perjury, obstruction of justice, and illegal foreclosures on the homes of thousands of active-duty military personnel.

In recent weeks the Justice Department has come under renewed pressure from members of Congress, state and local officials and homeowners’ lawyers to open a wide-ranging criminal investigation of mortgage servicers, the biggest of which have been Covington clients. So far Justice officials haven’t responded publicly to any of the requests.

While Holder and Breuer were partners at Covington, the firm’s clients included the four largest U.S. banks – Bank of America, Citigroup, JP Morgan Chase and Wells Fargo & Co – as well as at least one other bank that is among the 10 largest mortgage servicers. – Continue reading

Well that would explain a lot! Do you remember who Lanny Breuer is? He was that Justice Department guy that was interviewed in that 60 minutes interview awhile back.

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It sounds like the fox is in the hen house!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 19th, 2012

I have no idea what to write about right now. However, that is how it starts out every day, because I never know what I am going to write until my fingers hit the keyboard. With that being said, it is beyond me how I have been able to write something practically every single day for almost two years now, but somehow, I have always managed to find something to write about. I usually just write whatever comes to my mind at the time. For example, right now, at this very moment, I am thinking about how nobody probably realizes that the Federal Deposit Insurance Corporation (FDIC) is not a federal agency. That’s right! It is about as “Federal” as “The Federal Reserve,” which means they are about as “Federal” as “Federal Express” at the end of the day. Nevertheless, this is how it happens every day when I write. The next thing you know I am off typing a daily blog about the FDIC.

The Federal Deposit Insurance Corporation (FDIC) preserves and promotes public confidence in the U.S. financial system by insuring deposits in banks and thrift institutions for at least $250,000; by identifying, monitoring and addressing risks to the deposit insurance funds; and by limiting the effect on the economy and the financial system when a bank or thrift institution fails.

An independent agency of the federal government, the FDIC was created in 1933 in response to the thousands of bank failures that occurred in the 1920s and early 1930s. Since the start of FDIC insurance on January 1, 1934, no depositor has lost a single cent of insured funds as a result of a failure. - click here

Now I have heard of many instances where people have told me that they have reported their bank to the FDIC for not actually owning their loan. Yet I am not so convinced that the FDIC will actually do anything about it. This is because it seems that the FDIC is sort of in partnership with the bank. You see the FDIC seizes a bank when it fails, and then sells the loans of the “seized bank” at a huge discounted rate to another bank or investor with no warranty. In other words, it means there is “NO REFUNDS”. – Click here for seized banks However, the FDIC does not do a Title and Securitization Search on any of the loans they sell. This means that there can be a break in the chain of Title, such as might even exist with the potentially criminal Bank of Misleading America. This is because the banks or investors that existed in the chain before the FDIC seized the bank, simply might have used potentially irregular, fraudulent, illegal, and simply unsafe selling practices to sell the loans, which might be why the bank was seized in the first place. You see they might have sold the same loan multiple times to multiple investors at the same time, which might be nothing less than illegal. – Click here You should just ask the Department of Homeland Security if I am right about this one or not. (Wink)

Therefore, it can actually end up that the assuming bank could find out that they bought a loan they actually do not own. It is a lot like how they try to tell us that maybe we bought a house that we do not own in the end, even though they are the ones thinking that they can get a free house, since they do not own the loan in the first place. (Wink) This is because the only thing they might own now is a civil lawsuit from the homeowner, or an indictment at the very least. However, that is the risk that the assuming bank or investor decided to take on by buying it at a discounted rate with apparently no warranty. Don’t you remember? There are NO REFUNDS! What does this all mean? It means that the banks who bought the FDIC loans might have finally done it to themselves! - Click here

Nevertheless, that is how the thought process happens every day before I write, in which you are all here to read and just let your hair down for a while with like-minded people here at Piggybankblog.com. This is because we have all become a family here through this. We understand what the other is going through emotionally with the fear and confusion that comes with the banks trying to potentially steal our homes on a daily basis.

It is just nice to go sometimes where everybody knows your name. (Wink)

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“We Win!”

Thanks for stopping by Piggybankblog.com today.

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 18th, 2012

Someone was telling me that the bank has to honor any contract or lease that you might have in place with a tenant that is renting your foreclosed property. This is because the residential rental agreement/lease might survive a foreclosure. I am guessing that there might be limited exceptions that cause each case to be viewed on a case by case situation, as it may also be subjected to the laws and regulations of the county that you live in, but it might be worth investigating. For example, in San Diego there is Public Law No. 111-22 that was made effective on May 20, 2009. It stipulates that:

SEC. 702. EFFECT OF FORECLOSURE ON PREEXISTING TENANCY

(a) In General- In the case of any foreclosure on a federally-related mortgage loan or on any dwelling or residential real property after the date of enactment of this title, any immediate successor in interest in such property pursuant to the foreclosure shall assume such interest subject to–

1. (1) the provision, by such successor in interest of a notice to vacate to any bona fide tenant at least 90 days before the effective date of such notice; and
2. (2) The rights of any bona fide tenant,

• (A) under any bona fide lease entered into before the notice of foreclosure to occupy the premises until the end of the remaining term of the lease, except that a successor in interest may terminate a lease effective on the date of sale of the unit to a purchaser who will occupy the unit as a primary residence, subject to the receipt by the tenant of the 90 day notice under paragraph (1); or
• (B) without a lease or with a lease terminable at will under State law, subject to the receipt by the tenant of the 90 day notice under subsection (1)…… click here for more

Anyway, there are also many other ways that you may be able to avoid foreclosure. This is why you might want to take some time to do your homework. You might also want to take some time to read a new article posted by Piggybankblogger Personality Fadie Hany Areny titled “Three Ways To Avoid Foreclosure”. – read article

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I wonder what happens if someone gets a renter and backdates the lease or residential rental agreement. (Wink)

Looks like I need to get myself a renter!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 17th, 2012

I was thinking yesterday that it would be funny to call 911 to report that someone is trying to steal my home. Why not? We call them when someone tries to steal our car for crying out loud, in which I would think that a house would be far more valuable than a car. It would be absolutely hilarious to post the recording of the 911 operator’s response, even though I know they would not do anything about it. However, that is not the question here, because the question is why won’t the federal government do anything about the potentially irregular, fraudulent, and simply unsafe mortgage selling practices of maybe selling the same loan multiple times to multiple investors?

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The answer might be because they used to work for the banks. I mean wouldn’t that suck to maybe find out that the United States Deputy Attorney General used work for one of the law firms CURRENTLY REPRESENTING Bank of Destroying The American Dream? How much would that suck? Well, you should be able to answer that question right now. This is because HE DID!

United States Deputy Attorney General James Cole was sworn in as the Deputy Attorney General on Monday, January 3, 2011. However, he entered private practice in 1992 and was a partner at the alleged Dirty Trick Playing Bryan Cave Law Firm from the year 1995 to 2010. - Click here

James Cole served as a court-appointed independent monitor to a large insurance company to establish and oversee corporate compliance programs and ensure it adhered to laws and regulations. He also counseled businesses on securities, regulatory, and criminal law issues

Mr. Cole first joined the Department in 1979 as part of Attorney General’s Honors Program and served for 13 years – first as a trial attorney in the Criminal Division, and later as the Deputy Chief of the Division’s Public Integrity Section, the office that handles investigation and prosecution of corruption cases against officials, and employees at all levels of government. At Public Integrity Mr. Cole tried a number of notable cases, including prosecution of a U.S. District Judge, a member of Congress, and a federal prosecutor.

While in private practice in 1995, Mr. Cole was tapped to serve as Special Counsel to the U.S. House of Representatives Committee on Standards of Official Conduct. In that role, he led an investigation into allegations that former House Speaker Newt Gingrich had improperly used tax-exempt money for partisan purposes and misled the Committee in its inquiry. His investigation led to a bipartisan resolution that was approved by an overwhelming majority of the full House, and resulted in a formal reprimand of Speaker Gingrich and a requirement that he pay penalties.

Mr. Cole has been a member of the adjunct faculty at Georgetown University Law Center, teaching courses on public corruption law and legal ethics, and has lectured at Harvard University’s Kennedy School of Government. He is a former chair of the American Bar Association (ABA) White Collar Crime Committee and served as the Chair Elect of the ABA Criminal Justice Section. He received his B.A. from the University of Colorado and his J.D. from the University of California-Hastings. (Information taken from DOJ page) DOJ Page

Dosen’t it suck to find out that the United States Deputy Attorney General used to work for the banks? Gee, do you think that he might still have some alliances to the potentially criminal Bank of Destroying America? Do you think that (name removed) ev-ev-ever has talked to Ja-Ja-James Cole?

Sounds like their might be a little conflict of interest going on if you ask me.

Things that make you go hmmmmmmm.

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 16th, 2012

Things have been pretty different for me not having my twenty five year company to run anymore. It has been sort of bitter sweet really, because even though I do not have the constant worries anymore, I also seem to have a whole new set of problems and things to worry about. With that being said, I always think of many of you business owners out there that might be in the same position that I was in just before losing my company. This is because I am perhaps one of the rare people you know that already knows the fear and helplessness that you are feeling on a day to day basis with being responsible for other people’s lives. It is what I like to call the silent scream. This is because the first rule of being an owner of a company is that you never let anyone know that there is anything wrong. Unfortunately, it leaves you being the only one who knows there is something wrong, but without anyone to talk to at the end of the day to tell you everything is going to be alright. That is why business owners already know the answer to why the captain of that Italian cruise ship waited so long before he sounded the alarms. It is because there are some circumstances that happen faster than your mind can think, in which the captain of a ship or business owners mind is built to first try and see if you can keep the fucking thing floating before anything else. Unfortunately, the mind also simply checks out when the water starts pouring in faster than you can find solutions, in which the captain’s first reaction is to stand there in utter shock for a few minutes saying “Where is all this fucking water coming from?”. He does not have the luxury of screaming “We are all going to die,” but instead, he wants to make sure that nobody panics. Unfortunately, it does strange things to the captain or business owners mind, because for him to not panic, he must go into good old denial to remain calm. This is why the owner of a company or captain of a ship often does not know when to lower the lifeboats, right Brian Moynihan? (Wink) – BofA Article It might appear that Brian Moynihan’s Titanic might be sinking now.

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At any rate, his first priority is to make sure that the passengers do not panic, which is why the Captain of the Titanic was a fricken genius to have the band start playing music on the deck, instead of allowing the passengers to start killing each other to get to the lifeboats. That is exactly what I told the band to do on my sinking ship. Play music!

In a like manner, we are all paying passengers on a giant sinking cruise ship here in America too. Unfortunately, our sinking cruise ship might have “The United States of America Economy” on the side of it, while our cruise ship seems to have also hit some uncharted rocks in the sea and is now sinking. However, our rocks seemed to have surfaced when the banks might have sold the same loan multiple times to multiple investors at the same time, while leading to the potentially irregular, fraudulent, illegal, and simply unsafe mortgage selling practices of banks like Bank of Sinking America. Now there is a gaping 150 foot hole in the foundation of the cruise ship we are all on too with water coming in. Now Americans are wondering when the captain of our ship, President Barack Obama, is going to give the order to lower the lifeboats into the water for all of us to get into before it sinks. This is because, unfortunately, even until now, it seems that President Barack Obama might be like the captain of the Titanic or this Italian cruise ship, because he also seems to be giving the order for the band to play music on the deck of the sinking ship called “The United States of America Economy”. Captain Obama seems to not think that any of his passengers have noticed the this ship has now tilted over on its side and is getting ready to sink. The simple fact is that Americans might also want an investigation into why Captain Obama did not lower the lifeboats in time. This is especially after he too knew it was already sinking.

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BofA Tracker: Click here

Now I don’t know about any of you here on this sinking cruise ship, but I am getting off this ship before it sinks. This means that I am going to try to gather the other passengers together in a legal nonviolent protest that insists that the captain lower the lifeboats in the water with no further delay. Then we want those fucking rocks removed — So it never happens again!

Happy Martin Luther King Day Piggybankbloggers!

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It might be time for all of us to join the Occupy Protest and give them a little direction in the spirit of Martin Luther King.

All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 15th, 2012

It seems that yesterday’s blog generated a lot of excitement among most of you who were happy to see that finaly the Department of Homeland Security has taken an interest in the potentially irregular, fraudulent, illegal, and simply unsafe and unsound mortgage selling practices Countrywide Home Loans and Bank of Destroying The American Dream. That is why it is curious why our nations attorney’s general’s do not seem concerned with the “Moral Hazard” that has been caused by these banks fraudclosing on homes the banks might have PURPOSELY and KNOWINGLY identified the wrong owner of the debt, while potentially stealing thousands of Americans homes. That is with the exception of the “fantastic 15” hero attorney general’s that I listed in yesterday’s blog.

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Now not even ONE of these large bank executives have yet to be held accountable for their potential crimes against our nation and its people, however, at the end of the day, the banks are only a symptom of a greater crisis. The greater crisis might be that our legal system seems to have been corrupted or hijacked by the banks potential racketeering or lobbying money. Personally, I am still trying to understand the difference between lobbying and racketeering money from special interest groups, but this is exactly why Americans should make an asserted effort to expose any elected official that has accepted donations from the banks and their attorney’s one customer at a time. (Wink) It should be also investigated if they were given a principal reduction or have investments in loan pools, because this could only suggest that there might be a serious conflict of interest.

Bank of Stealing America and the other big banks have simply ruined our nation with their potentially irregular, fraudulent, illegal and simply unsafe mortgage selling practices.

Song by Eagles called The Last Resort.

“Some rich man came and raped the land”

“Nobody caught ‘em”

“Put up a bunch of ugly boxes”

“And Jesus people bought them”

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Will we ever get our America The Beautiful back?

Maybe it is up to you!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 14th, 2012

Yesterday I sat listening on a phone conference between high level attorneys, people from the press, and securitization experts from Wall Street. The securitization expert was the most interesting part of the meeting, because they were not only able to tell us how it all works, but also explained to us the nature of the beast on Wall Street with how home loans were sold. There was also plenty of talk about the corrupt legal system that exists in California. For example, one of them had my full attention when they mentioned that millions of dollars were contributed to the California Attorney General’s campaign from the Bank of Lobbying America Alleged Dirty Trick Playing Attorneys and financial special interest groups, while they also suggested that there is evidence to show that some judges in California are all bought and paid for too. The simple fact is that California is a non-judicial state where it has been alleged that it is bought and paid for and brought to you by the banks, where the state elected officials might be scared shitless that the banks will stop loaning money to an already damaged state economy if they prosecute them. So I dont know if we will ever find justice with the banks in California, however, I do know one thing is for sure, and that is that the Department of Homeland Security might seem to believe that there is “multiple Trust fraud” going on. That is if I were to go by the keyword they typed in yesterday to get to Piggybankblog:

Tracker: 01/13/12

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Also, you should know if your state is a judicial or non-judicial state, because according to www.all-floreclosure.com – Each state in the U.S. handles its real estate foreclosures differently, it’s important to understand those differences and know your specific state’s procedures. The terms used and time frames vary greatly from state to state, but the following information provides a general overview of the different processes and considerations.

Judicial Foreclosure – Judicial foreclosures are processed through the courts, beginning with the lender filing a complaint and recording a notice of Lis Pendens. The complaint will state what the debt is, and why the default should allow the lender to foreclose and take the property given as security for the loan. The homeowner will be served notice of the complaint, either by mailing, direct service, or publication of the notice, and will have the opportunity to be heard before the court. If the court finds the debt valid, and in default, it will issue a judgment for the total amount owed, including the costs of the foreclosure process. After the judgment has been entered, a writ will be issued by the court authorizing a sheriff’s sale. The sheriff’s sale is an auction, open to anyone, and is held in a public place, which can range from in front of the courthouse steps, to in front of the property being auctioned. Sheriff’s sales will require either cash to be paid at the time of sale, or a substantial deposit, with the balance paid from later that same day up to 30 days after the sale. Check your local procedures carefully. At the end of the auction, the highest bidder will be the owner of the property, subject to the court’s confirmation of the sale. After the court has confirmed the sale, a sheriff’s deed will be prepared and delivered to the highest bidder, when that deed is recorded, the highest bidder is the owner of the property.

Non-Judicial Foreclosures – Non-judicial foreclosures are processed without court intervention, with the requirements for the foreclosure established by state statutes. When a loan default occurs, the homeowner will be mailed a default letter, and in many states, a Notice of Default will be recorded at approximately the same time. If the homeowner does not cure the default, a Notice of Sale will be mailed to the homeowner, posted in public places, recorded at the county recorder’s office, and published in area legal publications. After the legally required time period has expired, a public auction will be held, with the highest bidder becoming the owner of the property, subject to their receipt and recordation of the deed. Auctions of non-judicial foreclosures will generally require cash, or cash equivalent either at the sale, or very shortly thereafter.

It is important to note that each non-judicial foreclosure state has different procedures. Some do not require a Notice of Default, but start with a Notice of Sale. Others require only the publication of the Notice of Sale to announce the sale, with no direct owner notification required. You need to know the specific procedure for your state.

What does that mean for Californians? Well it might mean that attorneys should maybe filing these lawsuits in or getting them moved to Federal Court or New York, since New York seems to be the epicenter of where most of these crimes took place with the selling of these loans on Wall Street. This is particularly when a Trust is asserting they are the owner of your debt. This is also not to mention that New York Attorney General Eric Schneiderman seems to be on the homeowners side in this issue, while he might have been the first one to walk out of the alleged Obama 50 State Racketeering Talks between the banks and attorney generals of each state, which involved the banks looking for immunity from prosecution for their crimes. Since then, five state attorneys’ general or states have officially walked out or ran out of the alleged Obama RICO 50 State Settlement Talks, while turning them into hero status here at Piggybankblog and across the country. Those states are: New York, Delaware, Nevada, Massachusetts, and California. However, as many as 15 states are participating in a potential exodus from the alleged 50 Obama State Racketeering Talks, such as Hawaii, New Hampshire, Missouri, Mississippi, Maryland, Kentucky, and Minnesota. What? No Florida? - click here

At any rate, New York Attorney General Eric Schneiderman and the New York courts seem to rule more on the homeowners and the side of the law in litigation against the banks on this issue. This is why the song in the youtube below might more accurately depict what I want to say to each one of you. So let them who have an ear, let them hear! Make sure you listen to every word because they are the same exact words that I am saying to each one of you about what my next move might be. (Wink)

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“These little town blues”

“They are melting away.”

“I am going to make brand new start of it in old New York!

“If I can make it there, I can make it anywhere!”

“It’s up to you New York, New York!”

Good-bye Stuart Price!

It has been a pleasure doing business with you! – Click here

All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 13th, 2012

Many of you have written me wondering who the investigative journalist is. Unfortunately, I am unable to tell you who she is at this time, because I have signed a confidentiality agreement with her saying that I would not reveal who she is while she is undercover. I can tell you that she is a big name that has been on the talk show circuits in the past, which she is a media celebrity beyond any stretch of the imagination, as she is personal friends with a lot of famous people. In fact, I never get used to her saying things like: “oh I was just talking this big celebrity the other day and she said…..” or “I was visiting this director the other day and he said…..” and “I went to this news persons house the other day and they said….”. However, let the record show, that she knows nobody more famous than “My name is John Wright AND I AM FIGHTING BACK!” (Wink) So she is a MAJOR media connection for me. So me and her have become personal friends since we first met over a year ago, while we both have committed to combining our efforts in exposing that Bank of Destroying America used potentially irregular, fraudulent, illegal, and simply unsafe mortgage selling practices. Nevertheless, her interest in me and Piggybankblog.com would actually start when I posted those secret recordings of the alleged Bank of Laughing At America training seminar recordings I have. For example, here is just one of many of hours of recordings that I have:

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Whose laughing now Bank of Laughing At America? (Smirk) – more recordings

Now you know where I get a lot of my information from. This is because she is the one that tuned me into the fact that Countrywide Home Loans and Bank of Bullshitting America might have sold the same loan concurrently to multiple investors at the same time, while maybe illegitimately fraudclosing on millions of Americans homes by PURPSOSELY and KNOWINGLY reporting the wrong owner of the debt. She said that you should have seen the looks on her boss’s faces when she told them that it was “I am John Wright AND I AM FIGHTING BACK” and National Mortgage Investigation that were the ones that produced them the evidence they might have needed to move forward in maybe turning her into the next Erin Brockovich. I think they said something like: “What? The piggy nose guy did it? Are you fucking kidding me?” At any rate, she was so excited that she has agreed to give National Mortgage Investigation a testimonial for me to post here on the blog under an assumed name, until she has hit the network news in the future by exposing this national scandal that might result in some of these banker criminals getting LOCKED UP! All I have to say is 60 minutes here she comes!

Now before you say that it is unlikely that a person of her caliber would have a problem paying their mortgage, I guess I should explain to you that it is one of her seven homes that they decided to use in this investigation. What? You do not have a problem with one of your seven homes? (lol) At any rate, they have apparently fraudclosed on the wrong investigative reporter’s house, because the new information that National Mortgage Inestitgation and me gave to her has the FBI investigating her case. (Wink)

Here we come Brian!

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When you want to hide something, you just hide it in plain sight. (Wink)

Let them who have ear, let them hear!

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All Rise!  The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 12th, 2012

There are so many good things going on right now behind the scenes with our protest against Bank of Betraying America and the other banks. Soon myself and very powerful and reputable media and attorney connections in New York and Washington D.C. will be cracking open the bottle of champagne, because we realized yesterday that we are maybe closer than ever to that “fourth woe” being revealed to the world that I told you about months ago. What is the fourth woe? Well I have actually been giving you glimpses of it by revealing to you that Countrywide Home Loans and Bank of Bullshitting America might have sold the same loan concurrently to multiple investors at the same time, while using a picture of the note (MERS) to facilitate their potentially irregular, fraudulent, illegal, and simply unsafe mortgage selling practices, but just to fraudclose on a home where they might have KNOWINGLY identified the incorrect owner of the debt. However, we might be closer than ever to actually proving that the bank might have had “intent to commit fraud,” but by KNOWINGLY identifying the wrong owner of the debt, because unknown to the bank itself, my very high level press connection has been secretly injected or parachuted in by very important people as an investigative journalist to actually prove it. Actually, she is the reason why I am able to tell all of you where Countrywide and Bank of Defrauding America’s Achilles heel might be, which might be in the Break in your Chain of Title. However, my high level press connection only lacked one thing in her investigation, which is she lacked the ability to actually find an investigator to produce proof that her debt existed in multipile Trusts. She used several Title and Securitization Search Companies, but not one of them were able to find it, which meant that she had no proof. This is why she and I decided to go on a hunt for a Title and Securitization Company that we could find that could help the masses, while we simply used her case to identify which one was the best company for American homeowner to use. This is why there was a delay between the time that I started writing about the Title and Securitization issue, and when I actually decided to refer you all to a company that could do the search for you. My job was to be much the same as when I looked for a law firm in my lawsuit against Bank of Stealing The American Dream, such as when I found Brookstone Law Firm, in that I had to now find a Title and Securitization Company that would allow me to exercise some kind of control in protecting the public from anything that I perceived to be a problem with them. Therefore, I needed a company that I could help turn into the largest most powerful Title and Securitization Search Company in the nation with my high level contacts. This meant that they had to be willing to allow me to merge them with other powerful search networks and tools that I was aware of.

They had to meet the following criteria for me and my team:

1. They had to be good people.
2. They had to have no criminal background.
3. They had to have the tools to do the search.
4. They had to agree to produce a list of attorneys for the client to take the results to.
5. They had to care about the homeowner more than the money.
6. They had to produce a superior product in comparison to the others.
7. They had to have the staff to accommodate the masses.
8. They had to produce reports that could prove to be useful for attorneys to use in court.
9. They had to have a list of successes documented in court using their investigation. There is reported that there are around forty five, after I have merged them with my powerful connections. I will be writing about them in the future.
10. They had to believe in God and have spirituality.

The main thing that I would need to prove to my powerful network of people was that I could find or take part in building a reputable Title and Securitization Search Company that could produce the evidence that they needed to support their secret investigative journalist they planted. This is after all the other companies they used could not do it for them, as they assured me that they would use their money, power, and influence to make sure that this powerful Title and Securtization Company would be made available to American homeowners around the nation if it worked.

Therefore, I sent the following National Mortgage Investigation report to them:

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It appears that she now has the Lucky Golden Wonka Ticket they needed!

Like I said before, if you want to hide something, you just hide it in plain sight.

I’m a meatball baby! And I don’t mean maybe!

All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 11th, 2012

We talk a lot about how this whole crisis was caused by the banks. However, how much of this crisis was caused by the federal government? Whose fault is it in the government? Well my theory is that the Clinton administration caused it by having the Glass-Steagall Act repealed. The Glass-Steagal Act established the Federal Deposit Insurance Corporation (FDIC) and introduced banking reforms, some of which was designed to control speculation, but ultimately to stop the bank from destroying our economy. This is because the repeal of provisions of the Glass-Steagall Act effectively removed the separation that previously existed between investment banking which issued securities and commercial banks that accepted deposits. In other words, it separated the Merrill Lynch’s from the Bank of America’s of the world, which we can see now is one in the same, after the government made Bank of America buy Merrill Lynch, but to save the American economy from the disaster they played a role in creating.

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Thanks for nothing Bank of Bullshitting America!

The deregulation also removed conflict of the interest prohibitions between investment bankers serving as officers of commercial banks, while the Glass-Steagall Act was mainly created because they theorized that it was the banks messing with Wall Street that might have contributed to the Great Depression. That is why nobody should be surprised that the repeal of the Glass-Steagall Act DIRECTLY CONTRIBUTED to the severity of the financial meltdown starting in 2007, while putting our country on a crash collision course with a financial Armageddon we have not seen since to Great Depression. This is because the repeal of the Glass-Steagall Act basically allowed the banks to fuck with Wall Street. This is where it all began!

Nevertheless, that is why I think it is ironic that former President Clinton takes credit for a great economy during the time he was President, because he would end up putting our nation and the world in economic Armageddon to biblical proportions just to experience all the glory of having a good economy at that time. That is why I also think it is ironic that former President Clinton’s campaign theme song was “Don’t Stop Thinking About Tomorrow,” because his tomorrow was our today, in which we have not stopped thinking about tomorrow ever since former President Bill Clinton.

It would end up laying the foundation for an economic crisis, while creating new terms such as “Subprime lending” and “MERS” and “Robo Signing” and “President Obama,” as well as Countrywide Home Loans and the potentially criminal Bank of Bullshitting America might have sold the same loan concurrently to multiple investors, multiple times, which might mean that we do not owe the money to improperly identified creditor of debt during a fraudclosure. That is if we can prove that there has been a Break in the Chain of Title.

Now it was almost too late by the time the Bush administration figured out what was going on, as I am sure that we all remember that day former President Bush came out of a meeting white as a ghost, but telling us that he “Had no idea how bad it was.” Why? We all seemed to know how bad it was! Nevertheless, he would then compare Wall Street to a drunk with a hangover and cracked jokes about the ailing housing market when he stated: “There’s no question about it. Wall Street got drunk – that’s one of the reasons I asked you to turn off the TV cameras – it got drunk and now it’s got a hangover,” Bush said at a private fundraiser for the Republican congressional candidate Pete Olson. That is why it appears that a Democrat President named Bill Clinton created a foundation of disaster, but it was a Republican President that was too busy playing with himself in Iraq to realize that the economic threat was not in the Middle East, but instead, it was right here in our backyard with a PRIVATE BANK that featured our nations name on it, which I like to refer to as the potentially criminal Bank of Destroying The American Dream!

In the end, it seems that you might have maybe bounced a check to the American people Bank of Bullshitting America. Therefore, the American people are here to collect on a debt owed. (Wink) Don’t you get it? We do not just want our homes! We want every single one of you LOCKED UP! Here we come!

The whole world is watching!

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In the end, you may win the battle by potentially stealing our homes and our nation from us Bank of Living off America. However, I assure you, I am confident that God will make sure that you lose the war!

What terrible comforters you have been in the day of our disaster!

In the day God comes He does not throw His heroes in the streets!

Let them who have and ear, let them hear!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 10th, 2012

My viewership totals tripled again yesterday! See how it works? I write a Mitchell J. Stein blog and BAM! Instantly it generates traffic from the United States and California Senate. This is not to mention the California and United State Justice Department and Congress. Then I cleverly slip in the stuff about how Bank of Destroying Our American Dream might have concurrently sold the same loan multiple times to several investors, while fraudclosing on homes where they might be incorrectly identifying the creditor of the debt. Which by the way, I know someone in the press that the FBI has contacted because they want to investigate her evidence on this, so it seems that the Federal government has finally taken an interest in the potentially scandalous and criminal Bank of Defrauding America’s potentially irregular, fraudulent, illegal and simply unsafe mortgage selling practices.

Now of course it seems as if Bank of Bullshitting America would like to just move on and forget about it, but that is why it is our job to make sure that Americans NEVER FORGET what these banks have done to our nation and its people, because I noticed that our justice system does not accept an apology and let other small time hoods get away with it without convicting them of their crimes.

Congressman Lambastes said: “To me, I think they are illegal! I cannot believe that nobody has prosecuted you in this! But then again we have had no prosecutable action whatsoever in the last administration. And the new administration has little time to figure this out. We will find out if anybody really cares.”

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New Piggybankblogger Ashley Clites:

Dear Brian Moynihan,

I am writing you in slight desperation. Who am I? I am a young, professional mother, of three young children, ages 3, 2, and 3 months. I am a good person just trying to do the right thing. I believe in the American Dream. I believe in my dreams.

I have had an extremely rough year in 2011, and I am trying to fix all that went wrong the past year. One of which, is to fix my mortgage. I have been trying to work with your bank, but I have grown increasingly frusterated. I need your help. My children need your help.

1. I have money to put towards my loan, so I will not be so many payments behind. I have sent it in twice (once via electronic transfer, once via cashiers check, as instructed), both times returned to me. I keep getting paperwork that states “continue to make your payments”. Please help me do this!
2. I have been trying to do a modification to no avail. Every time I speak with someone, I need to send in more paperwork, needs to go to another department, the person needs to check with their supervisor. I want to work with you, but I feel no one will work with me.
3. I have had a difficult time believing anything I am told from the “home retention department”. Everytime I get a different answer to the same question. I need help. I want to make this right. I have many documented examples, if needed.

I KNOW that you do not want this house; I KNOW I can save this house with a little help from you and your company.

Please contact me as soon as possible.

ashleyclites1@yahoo.com

I need to be able to sleep at night again.

I AM ONE CUSTOMER AT A TIME!

I support John Wright vs. BofA Lawsuit

Ashley Clites

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Hi again John.

I do want to mention something to you. I have talked with lawyers and no one seems to know what to do with this information. I am almost positive that my loan was fraudulently obtained from the loan officer that I worked with. My loan officer was arrested by the FBI last year from loan fraud scheme and plead guilty. His name is John Leone. While the article I am linking talks about Suntrust, he was with Bank of America obviously when I got my loan, so was Javier (the person they are mostly talking about in the article, they worked together). Anyways, after some research by me, I am pretty positive my loan is fraud in some way, based on me remembering my time-line of events when getting my loan, my paperwork, etc.

Click here: http://www.fairfaxunderground.com/forum/read/2/543556.html

If you know what to do with this information, or how this could help me in anyway, please let me know! Knowing that my loan is fraudulent is even more frustrating while trying to get all this taken care of!

Thanks for the link and the post on the blog! Maybe it will get me somewhere!

Thanks!

Ashley

So do care United States Justice Department? Do you care California Justice Department? Do you care California Attorney General Kamala D. Harris? Do you care Florida Attorney General Pam Bondi? Do you care United States Senate? Do you care United States Congress? Do you care President Obama?

So do ya?

P.S. Some of you said donation tab did not work in email link. The one below works.

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All Rise! T he Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 9th, 2012

I have to start putting together the material for the John O’Brien interview coming soon to Piggybankblog.com. John O’Brien is the Southern Essex Country Register of Deeds in Massachusetts, who made national headlines when he refused to record certain post-foreclosure instruments in the absence of a Register’s prescribed Affidavit. This is because Mr. O’Brien believes that a particular instrument may have been ‘robo signed.’ John O’Brien stated: “My registry is a crime scene as evidenced by this forensic examination. This evidence has made it clear to me that the only way we can ever determine the total economic loss and the amount of damage done to the taxpayers is by conducting a full forensic audit of all registry of deeds in Massachusetts.” This is because John O’Brien’s thinks the nation’s largest banks created MERS (Mortgage Electronic Registration Systems) to dodge paying recording fees when a mortgage is assigned, while depriving taxpayers anywhere from $200 million to $400 million plus in lost revenue. He said that “MERS should absolutely be out of business,” while Mr. O’Brien has further tried to encourage other registers throughout the nation to pull their deposits from any banks that are affiliated with MERS. However, here is the best part, because John O’Brien asked and received permission from his State Treasurer, Steve Grossman, to remove a whopping $25 million dollars in deposits from, none other than, the potentially criminal BANK OF DESTROYING THE AMERICAN DREAM!

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Now another thing that John O’Brien has said was that MERS has created a shadow registry system, primarily to sidestep recording costs. However, I want to share with John O’Brien (The Peoples Hero) that I believe there are “multiple” reasons why MERS was created, isn’t there Bank of Defrauding America? Which by the way, I do mean “multiple,” since Countrywide Home loans and Bank of Destroying The American Dream might have concurrently sold the same loan “multiple times” to “multiple investors,” while maybe not being able to actually identify the actual true creditor the debt is owed to at the time of the fraudclosure taking place. This might explain the falsifying of documents with the use Robo Signers, while understanding that MERS might have been nothing other than accomplice used to facilitate the nation’s largest banks potentially irregular, fraudulent, illegal, and simply unsafe mortgage selling practices.

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A Bank of Betraying America spokesman named T.J. Crawford said it was not a discussion they were going to have with Mr. O’Brien through the media, but I can assure Mr. Crawford of one thing, and that is certainly a discussion that the media intends to have with Mr. O’Brien. (Wink) Because guess what? I am going to most likely ask him what kind of bullshit that Bank of Bullshitting America said to him in those discussions. This is because, needless to say, what O’Brien has been talking about is exactly why I have been telling you all how important it is that you have a Chain of Title and Securitization Check done, because it could be very likely that you find out that there has been a break in the chain of title, in which the law stipulates:

U.C.C. provision, U.C.C. §3-305(c): “An obligor is not obliged to pay the instrument if the person seeking enforcement of the instrument does not have rights of a holder in due course and the obligor proves that the instrument is a lost or stolen instrument.”

U.S.C. §3-203

UNIFORM COMMERCIAL CODE – ARTICLE 3 – NEGOTIABLE INSTRUMENT

PART 2 – NEGOTIATION, TRANSFER, AND INDORSEMENT

§3-203 – TRANSFER OF INSTRUMENT; RIGHTS ACQUIRED BY TRANSFER.

(a) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.

(b) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any rights of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee cannot acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.

In layman terms, this part of the law is discussing how an instrument is transferred to another party. It is crucial to know because of course the average promissory note is sold 5 times from the date of closing until present day, and that’s a low average as well. The most important paragraph is (b) where it says that the “transferee cannot acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.” Well in every single case, they engaged in fraud AND illegality which of course affected all the people’s security instruments (mortgage note).

U.S.C. §3-501

UNIFORM COMMERCIAL CODE – ARTICLE 3 – NEGOTIABLE INSTRUMENTS

PART 5 – DISHONOR

§3-501 – PRESENTMENT.

(a) “Presentment” means a demand made by or on behalf of a person entitled to enforce an instrument (i) to pay the instrument made to the drawee or a party obliged to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank, or (ii) to accept a draft made to the drawee.

(b) The following rules are subject to Article 4, agreement of the parties, and clearing-house rules and the like:

(1) Presentment may be made at the place of payment of the instrument and must be made at the place of payment if the instrument is payable at a bank in the United States; may be made by any commercially reasonable means, including an oral, written, or electronic communication; is effective when the demand for payment or acceptance is received by the person to whom presentment is made; and is effective if made to any one of two or more makers, acceptors, drawees, or other payors.

(2) Upon demand of the person to whom presentment is made, the person making presentment must (i) exhibit the instrument, (ii) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and (iii) sign a receipt on the instrument for any payment made or surrender the instrument if full payment is made.

Again, the most important part of this law is paragraph (a) and paragraph (b) (2) which are the foundation of the “show me the note” argument which is clearly a very strong legal argument no matter what anyone says about it. Presentment is defined as a “demand made by or on behalf of a person entitled to enforce an instrument, to pay the instrument made to the drawee (lender/holder in due course) or a party (servicer) obliged to pay the instrument.” It goes on to say in a few paragraphs under it that upon demand of the person to whom presentment is made (borrower), the person making presentment (lender/holder in due course/servicer) must exhibit the instrument (show me my original instrument and give reasonable identification to who they are. If the person demanding presentment is servicing the loan then they need to provide you with the reasonable evidence of authority to do so! No more taking their words for the truth, we must let them know that we know the law, and that no one is going to ever take advantage of us, ever again!

What does that mean? It means that if your Chain of Title and Securitization Report should come back showing a break, you can tell Bank of Bullshitting America to stick it up their ass, because you don’t owe them anything other than a lawsuit, if they continue to harass you for a loan that they cannot prove who the owner of the debt is.

With that being said, we are not looking for a free house, but we are looking for a free country, which is a country that forces these banks to be accountable to the very same laws that we are forced to be accountable to. Why should, We The People, be held accountable and not Them The Banks? Let me tell you why………

‘I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.’ – Thomas Jefferson 1802

Article sent by O’Brien’s office: “If you have taken out a mortgage on (or refinanced) your home (or business property) in the last 10 years or so chances are the title of your property is clouded so badly that no one can legally foreclose on your loan. This is the result of an illegal, little known operation that was specifically setup to expedite the rapid securitization and trading of mortgage securities. Further it was explicitly devised to circumvent the centuries old democratic process of recording property ownership and mortgages against those properties at county clerks offices across the country.” - Read Article
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John O’Brien: “My Registry will not be a knowing participant in this fraud against homeowners. From today forward, lenders be on notice, the Southern Essex District Registry of Deeds will not record robo-signed documents.”

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 8th, 2012

I really had a lot of fun writing the Mitchell J. Stein blog yesterday. This is even though I knew it would be a very controversial blog topic that might provoke many out there who are against Stein, mainly because of the recent charges brought against him surrounding the Heart Tonics allegations. With that being said, I am sure there are many out there that might have thought that I was writing yesterday’s blog in support of Mitchell J. Stein, simply because I pointed out that the California State Bar Investigator, stated for the record, that he has yet to find a money trail going to Mitchell J. Stein. However, let me make myself clear here, because I really do not know if Mitchell J. Stein is guilty or not guilty of being involved in the mailer scheme. I am just simply pointing out that the California Attorney General’s evidence on Mitchell J. Stein seemed to be circumstantial and based on theory, in which I did not and do not believe that it was enough evidence to shut down his law firm in a raid. However, I think there are some people here who forget that there is a large part of my audience who were Mitchell J. Stein’s clients, who send me emails expressing that they are not too happy with the fact that the California Attorney General shut down Mitchell J. Stein, while leaving them without the attorney they chose to represent them against the banks. Therefore, and for the record, I am not so much defending Mitchell J. Stein here, as much as I am defending the clients who have asked me to give them a voice with my platform. I simply represent the voice of all victims, and not some overzealous, consumer advocate, who likes to stick their nose in other people’s business. Which by the way, they seem to be “in the business,” after you consider that they work for a real estate firm that could be considered Mitchell J. Stein’s competitor in some ways if they offer other alternatives. Nevertheless, it does not mean that I do not have very serious questions of my own about if Mitchell J Stein was involved in the mailer scheme. For example, I have always wondered why he sued Brookstone Law Firm for marketing his name, and yet, he did not even file one lawsuit against anyone in the Phillip Kramer gang? I mean it only seems resonable, if you consider they are the ones responsibe for this whole god damn mess in the first place. I am sure there is a good answer but until then…..

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Even considering, it is still not enough evidence to have raided and shut down Mitchell J. Stein law firm, while leaving his clients without having the attorney of their choice represent them. For the record, practically every single one of them that have written me, claimed to not be a victim of a mailer scheme done by Mitchell J. Stein. Either way, it should never be considered that I stand in support of Mitchell J. Stein here on my blog, but Instead, I stand in support of the truth. The truth is that the California State Bar Association Investigator, Thomas Layton, stated for the record, that they still have not found a money trail leading back to Mitchell J. Stein from the mailer scheme. That does not mean that there might not have been some late night meeting between Mitchell J. Stein and Phillip Kramer, in some lightly lit parking lot, transferring untraceable suitcases of large amounts of cash at one time, but it just simply means that I have not seen the California Attorney General produce any evidence that I feel would lead to a guilty verdict by a jury of Mitchell J. Stein’s peers. Her whole case seems to be based on theory, in which I have said before, one might theorize that you can hang an elephant from its tail from a cliff, but I would not try it anytime soon, because it might not withstand the laws of gravity, such as Kamala’s case might not either. I mean we can even theorize that Mitchell J. Stein was the man at the Grassy Knoll that terrible day in Texas when President Kennedy was killed if we want to, however, without evidence of the gun being in his hands, I am guessing that we will just have to accept that we cannot prove it, right Kamala?

The simple fact is that the name “Mitchell J. Stein” sells papers baby! Stein is the Paris Hilton of this industry, because he was one of the nation’s leading trial attorneys that had filed the first lawsuit against the banks concerning what has now become known as The Great Mortgage Crisis caused by the banks, such as Bank of Destroying America. For example, my viewership tends to triple every single time I write about Mitchell J. Stein, even if more than half of them are federal and state agents. (lol) Which by the way, I would have to be a genius to actually do it on purpose, just so I could bring the Feds and California Attorney General to my blog, but just to see that Countrywide and Bank of Defrauding America might have sold the same loans to multiple investors, multiple times, and might have already been paid back by several unidentified investors. This is not to mention that they might have been paid off by credit default swaps and insurance too, just to fraudulently foreclose on a home whose beneficiary has been incorrectly identified on purpose.

Oh if I was only that smart enough to have used Mitchell J. Stein’s name as bait to bring the Feds here to expose Bank of Stealing The American Dreams potential fraud. What a genius I would be then!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 7th, 2012

I have to admit that I miss writing about Mitchell J Stein. This is because, like him or not, he was still one of the nation’s leading trial attorneys fighting Bank of Defrauding America. He was also the first attorney to file a lawsuit concerning the potentially irregular, illegal, fraudulent and simply unsafe practices of Countrywide and Bank of Stealing The American Dream, after he filed what was called the infamous “Ronald et al vs. Bank of America” lawsuit in the year 2009. Since then other attorneys and law firms across the nation would use the Mitchell J. Stein lawsuit as the blueprint or backbone for how they would go about filing their lawsuits against the nation’s potentially largest criminal bank. Then Mitchell J. Stein would later bring on Attorney Kenin Spivak into the case, who has since then started his new job at the California State Bar Association. I’m kidding! Nevertheless, the Ronald lawsuit of course even grabbed the attention of those at Brookstone Law Firm, who courted both Mitchell J. Stein and Kenin Spivak to help them with the Wright et al vs. Bank of America lawsuit. It appears they were looking for a partner. They were looking for someone who could get things fixed. I am sure they might have seduced them with……..

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Now everything seemed to be moving along just fine, until the Bank of Abusing America’s alleged Dirty Trick Playing Bryan Cave Law Firm attorney, Mr. Klein, brought up those stupid unethical marketing mailers to the judge in the Ronald lawsuit on December 17th, 2010. – click here Apparently, another attorney who had been briefly working alongside Mitchell J. Stein in the Ronald lawsuit, the infamous Phillip Kramer, would be accused of using marketing firms to send out unethical mailers to the public with Mitchell J. Stein’s name on it. These mailers suggested that Americans could avoid foreclosure by paying a fee to join the Ronald lawsuit, among other sensational untrue promises being made. It was almost like the HAMP offer that Bank of Tricking America sent out to millions of Americans a while back. (Tongue-in-cheek) (Smirk) Nevertheless, the Bank of Betraying America attorney, Mr. Klein, seemed to imply that Mitchell J. Stein and Phillip Kramer were involved in this mailer scheme together, in which Stein categorically denied the allegations to the judge. It was nevertheless where this ball started bouncing.

Now Brookstone Law Firm still wanted to use Mitchell J. Stein and Kenin Spivak before this whole mailer scandal had started. However, there was only one problem, because Stein and Spivak could not be more different than one another. For example, one seemed to be a little bit country (Spivak) and the other seemed to be a little bit rock n roll! (Stein) What was Brookstone Law Firms solution? Well they would use someone who was a little bit country (Attorney Vito) from Brookstone to work on pulling Kenin Spivak in, while at the same time, they used someone else from their firm that proved to be a little bit rock n roll to pull in Mitchell J. Stein. Therefore, sometime before December of 2010, Brookstone Law Firm seemed to be working with both Kenin Spivak and Mitchell J. Stein on the possibility of them representing the plaintiffs in the Wright et al vs. Bank of America lawsuit.

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However, in March of 2010, Mitchell J. Stein dissolved his relationship with Brookstone Law Firm. This was a problem because Brookstone Law Firm had already told everyone in the Wright et al vs. Bank of America lawsuit that they would have Mitchell J. Stein as their attorney. Brookstone was pissed to say the least! This is because they claimed that Mitchell J. Stein did not seem to be following through with the promises he made to them, even though they did not seem to have any contract in place saying that Mr. Stein would represent the people in my lawsuit. Now Mitchell J. Stein seemed to be really pissed with the fact that Brookstone Law Firm was marketing his name before he had officially agreed in a contract that he would represent the Wright et al vs. Bank of America lawsuit plaintiffs. At any rate, this is where the war began between Brookstone Law Firm, Kenin Spivak, and Mitchell J. Stein. Would Brookstone and Spivak get Stein back? I will let you be the judge.

On March 28th, 2010, Attorney Kenin Spivak filed a motion to try and have Mitchell J. Stein removed as lead counsel in the Ronald lawsuit. – motion filed However, the judge did not remove Mitchell J. Stein as lead counsel, but instead, he would sort of split the baby in half, as the judge ruled that both Kenin Spivak and Mitchell J. Stein would be the lead counsel of their own plaintiffs in the Ronald suit. This I am sure caused a race between Mitchell J. Stein and Kenin Spivak to call each plaintiff in the Ronald lawsuit to see who they wanted as their lead counsel. However, it is my understanding that Attorney Kenin Spivak had beat Mitchell Stein to the punch by contacting the lead plaintiff Ronald before the motion was filed, which sort of gave Mr. Spivak and unfair advantage. Needless to say, Mr. Spivak would end up as “Ronald’s” lead counsel. However, it has now been reported that Mr. Stein’s originally filed lawsuit proceeds to trial with triple the amount of plaintiffs, while it has been alleged that Spivak has told Judge Heighberger that he is dismissing most of his case.

August 17th, 2011 - California Attorney General Kamala D. Harris raided the office of Mitchell J. Stein & Associates. The complaint alleged that Stein had indeed taken part in the mailer scheme mentioned by the Bank of Lobbying America attorney on December 17th, 2011, while naming Attorney Phillip Kramer as the “ring leader” of the scheme. The California Attorney General, even though she had no solid evidence of any money coming to Stein from the alleged mailer scheme, claimed that there were emails existing between Stein and the other parties involved. Then she had an ass grabbing press conference about it.

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Now for my part I had agreed to stay uninvolved. I agreed to take no position on my blog with the matter, even though I had serious concerns that this was a conspiracy that might involve Bank of Lobbying America’s attorneys trying to remove one the nation’s leading trial attorneys that had filed the first lawsuit against BofA in 2009. That was until I caught someone from the California Attorney General’s office coming on my blog pretending to be a victim of the mailer scheme, while at the same time, they seemed to be trying to persuade my supporters to believe some lie that I had told people on my blog to go to Mitchell J. Stein & Associates. In other words, it seemed part of a smear campaign to somehow try and get my supporters to not trust me. – Click here I am sure it was a tactic that the California Attorney General’s office would end up regretting, because if you say Beatlejuice too many times, I tend show up. Therefore I decided to do a campaign of my own. (Wink) I immediately took the gloves off and FOUGHT BACK, as I then exposed that the California Attorney General had recently received, during a non-campaign time, several Bank of Lobbying America and Bryan Cave Law Firm attorney’s donations shortly before the raid. It could appear that she was being paid to do the California State Bar’s bidding, but I don’t know. At any rate, I also exposed the fact that the California General, at the time, did not seem to be going after the banks.

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September 6th, 2011 – A massive Civil Rights lawsuit was filed against the California Attorney General. It claimed she was a “Pawn for the banks”. – click here

October 20th, 2011 – The Elderly Judge Jane Johnson Stein Hearing – click here

November 17th, 2011 – State Bar removes Stein as my attorney – click here

December 18th, 2011 – Stein is arrested by the FED’s at L.A. Airport – click here

Now has anyone here ever considered how funny it must have been to see one of the nations leading trial attorneys in jail with all those violent serious rough criminals? It must have been pretty funny and scary at the same time. Well it would be for you and me, however, I have met Mitchell J. Stein, so even though I was not there, I would be willing to bet that there was a line of prisoners waiting to talk with Stein about their case. I bet Mitchell J. Stein was helping each one of them with their legal case pro bono in that jail, as I am sure that anyone out there who Stein has represented pro bono knows what I am talking about here when I say this. I am also guessing that the fact he was an attorney might have not only saved their life in jail, but ultimately, I think it might have saved Stein’s life while in jail. (Wink) I don’t know about you, but if I ever go to jail, I am going to say I am an attorney! (lol) I sure wish they had transcript of those conversations! I was instead left reading the transcripts from the day that Mitchell J. Stein was brought before a federal judge to set his bail after being arrested, in which I had taken great notice of the fact that the California State Bar Association investigator of the mailer scheme was in court. His name is Thomas Layton. Mr. Layton testified about the evidence that he had to implicate Mitchell J. Stein in the mailer scheme. This of course immediately got my attention, because I realized that we were now given the unique opportunity to see just how a judge might rule in any future trial involving the mailer scheme. In fact, the transcript goes on to show that Mr. Layton pretty much admits that he has ABSOLUTELY NO EVICENCE that any money has gone to Mitchell J. Stein from this mailer scheme, while Layton tells the judge that he is “still investigating”. WTF? Really? Since when do you raid someone and shut them down based on circumstantial evidence? In other words, it appears here that where there was smoke there ended up being no fire in the end for the California Attorney General’s case against Mitchell J. Stein. I cannot believe they still have not found any traces of money or bank accounts going to him from the mailer scheme, but still pursue the case. I mean correct me if I am wrong, but it only seems reasonable that they should have had evidence of money going to Stein BEFORE SHUTTING HIM DOWN. Since when in our country do we presume someone is guilty before they are innocent? That is why I do not exactly rule out that there was not some kind of conspiracy that involved the potentially criminal Bank of Lobbying America and the Alleged Dirty Trick Playing Bryan Cave Law Firm, while I still allow them the room to prove their case against Stein. If he is guilty he must be held accountable. However, with no money trail, what I am saying is that it sure does not look good for the California Attorney General in her case against Mitchell J. Stein, after you consider the new shocking testimony of Layton in federal court. This is because if this was a murder trial, I am guessing that Thomas Layton’s testimony might have sounded like this:

Court: “Do you have the victim Mr. Layton?”

Investigator: “No judge.”

Court: “Do you have the gun or the bullet Mr. Layton?”

Investigator: “No Judge. But I am still investigating.”

Stein is not my attorney anymore. That is why I really do not feel a need to try and protect my lawsuit by trying to protect him in this mailer thing. It is just how I feel about it. I just found it interesting that they still have not found a money trail going back to Stein after all this time. Nevertheless, for all I know, Stein could have been involved in the mailer scheme. I just don’t think anyone here cares though, because at the end of the day, Mitchell J. Stein was the nation’s leading trail attorney on this issue.

Simply put: “We wanted him on that wall!” and “We needed him on that wall!”

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Did you order the code red Mr. Stein? (Wink)

Court Transcript: Click here

The Honorable Judge John Wright of the Court of Public Opinion says: “No mon no fun” and “No pay no play” Mr. Layton. Please come back to this court when you have evidence. I’m going to stop. We’re done. (Wink)

All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 6th, 2012

Many of you received an email from me warning you that the potentially criminal Bank of Bullshitting America has been sending out cheap ass checks in behalf of the recent Countrywide Home Loan settlement. I believe it is maybe to exploit the fact that so many are experiencing financial hardship after the holidays, as I also believe that they want people to release them from liability by cashing them. I have heard that the amounts of the checks are very small, such as one Piggybankblogger has already told me that she received a check for a whopping one hundred dollars for their troubles. That is why I am in the process of getting my hands on this letter to post here on my blog, as I sincerely doubt that anyone cashing this check realizes that they might be giving up some of their rights. For the record, if they send me a check, I am not only going to send it back to them, but I am also going to tell them exactly where they can deposit it. (Wink) At any rate, please use due diligence in investigating exactly what rights you are giving up by cashing any settlement check that you might receive in the mail concerning this matter. However, there should be absolutely no settlement that involves giving immunity to any executive at Bank of Defrauding America either. They should be prosecuted by the federal government for the fraud they committed that delivered our nations people into the worst economic disaster since the Great Depression. That is why the American people refuse to be thankful for Bank of Destroying America taking the taxpayer bailout money to save an economy that they might have played a major role in destroying the American dream with their greed. They must be held accountable, or we must hold any elected official accountable during an election time that does not seek to have them prosecuted. That is how our system works.

With that being said, has anyone ever wondered why the federal government seems reluctant to prosecute these bank executives? I will tell you what I think, which is that I think it is because the federal government has already made them a deal when they gave them the bailout money and tax breaks. Either way, it is beyond me how these very same attorney generals and the federal government will use our tax money to go after small time swindlers, instead of going after Bank of America for creating potentially millions of victims with their potentially irregular, fraudulent, illegal, and simply unsafe mortgage practices. I mean there is obviously evidence to show that they might have sold these loans concurrently to several investors at the same time. As I said before, you might be able to find that evidence to use in court against them, but to maybe stop the fraudclosure on your home by using the Title and Search company I advertise which specifically states that the laws stipulates:

“An obligor is not obliged to pay the instrument if the person seeking enforcement of the instrument does not have rights of a holder in due course and the obligor proves that the instrument is a lost or stolen instrument.” – U.C.C. provision, U.C.C. §3-305(c) -

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This is why you need to get your Title and Securitization Search done.

Now this is not to even mention the other crimes, such as robo signing and the other falsifying documents allegations, which is nothing short of organized crime if you ask me. And just like organized crime they even potentially use their money to racketeer government officials, while the only difference being that they call it things like: “The 50 State Settlement Talks” and “Lobbying Money”. However, make no mistake, because they are offering cash to avoid prosecution. The worst part is that our elected officials seem to actually enable them by considering it, in which the State and Federal government should be careful, because Americans might stop watching the banks and baseball, while we start watching politics and who we vote for in the next election instead. That is why I will identify every single elected official that is on the banks side with this issue. We even have plans to actually run television ads to expose them in the future if they make our shit list here at Piggybankblog.

Piggybankblogger Senka wrote:

We knew since the beginning that this fight will be the biggest one in our lifetime. We knew that we were getting ready to face and stand up to the most powerful bunch on the planet Earth but we didn’t care, because they pushed us to the wall and we got nothing left to lose. However, many of us didn’t know what to do, how to do it and when to do it. We knew that our lives have been tremendously impacted by the fraud. The fraud committed by the banksters, in front of our government’s eyes. We knew that except a few government officials at the time, almost as helpless as we were. We The People didn’t have anyone else to rely on but ourselves. That’s how many of us came upon piggybankblog.com and found that voice, found the way of connecting with one another and way of expressing our common experience. As we became united around John’s blog, we probably became more dangerous to those we were standing up against. And John, as a pillar of the idea, became the force to be reckoned with. I never joined his lawsuit, even though, I was aware of the proceedings and was on his blog a long before the suit was filed. He never pressured anyone to join. He just stated the facts as they presented to him, and of course, he always said the truth about the banks and those government officials that were, and still are protecting those criminals who gambled away our past and present. However the future is in our hands. We won’t ask for their permission to fight to have it clear for our kids’ sake. – Senka’s blog page: Click here

Dear United States Justice Department:

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So I say we lock them up buttercup!

All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

Register to be part of my blog: Click here

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January 5th, 2012

I am so happy to hear that so many of you have been absolutely delighted with your experience after taking my advice and calling National Mortgage Investigation for your Title and Securitization search. It is important to me that you have a good experience with any company that I have agreed to advertise for on my blog, because I had expressed to them from the beginning that I expected my supporters to receive the highest priority and quality customer service they had to offer. I told them that I would accept nothing less. Since then they have been practically bending over backwards to make sure I am comfortable with absolutely everything I have requested. They even at one point changed their webpage and eliminated one of their fee structures I expressed that I was not against but not comfortable with. They even took it one step further, and National Mortgage Investigation said they would give my supporters from Piggybankblog a special discount if you mentioned that you have come from Piggybankblog, so make sure you do not forget to mention this fact to them. I want as many people as possible to be able to have a Title and Securitization history search done. This is because I truly believe that it is very likely that the majority of people might have a break in the Chain of Title, after everything we have read and heard about how these banks used potentially irregular, fraudulent, and simply unsafe methods in selling and transferring these notes and loans. I want to educate as many people about this as possible. So please feel free to distribute the following youtube around the internet for me.

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Also, I am going to also be spending the next few days trying to gather information from Brookstone Law Firm on the Wright et al vs. Bank of America lawsuit. It has been a long time since I have received an update of where things stand at this time, in which I know that several of you have asked me if I could please write a blog on it soon.

So coming to a theater near you soon!

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All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 4th, 2012

When the people at National Mortgage Investigation first contacted me I was very on guard. This is because there has been literally hundreds of people throughout the years trying to access my huge audience. Mainly because my supporters are comprised of many distressed and disgruntled homeowners’ who are unfortunately potential victims of Countrywide Home Loans and Bank of Bullshitting America’s potentially irregular, fraudulent, illegal, and simply unsafe mortgage and loan modification practices. It just happened to be that National Mortgage Investigation’s timing to approach me could not have been better, because I had recently been working on educating my audience about what I believed to be Bank of Bullshitting America’s Achilles heel in all this. Which is in the possibility that your loan had been concurrently sold into multiple Trusts at the same time. In other words, it would be equivalent to selling the same car over and over to several different people using a copy of the pink slip or title of the car. IT IS ILLEAGAL! Unfortunately, MERS provided the perfect environment for these banks to do this. Thanks Courts who allowed MERS to be used! Great effort in protecting the public! What is next? Are they going to approve a criminally started company that allows the copy of our driver’s license to be shown to the police officer who pulls over drivers, just so the criminal can escape? Anyway, the question is how do you prove there has been a break in the chain of title? The answer is to have a mortgage investigation Title and Securitization search done, so that you or your attorney are armed with proof that there has been a break in the chain of title in your situation.

So what does it mean if National Mortgage Investigation should produce you a report that shows that the loan exists in multiple Trusts or that there has been a break in the chain of title? Well it means that National Mortgage Investigation might have just sent you the lucky Golden Wonka Ticket!

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Now I knew there were many services out there that claimed that they could do an extensive search on your Title and Securitization history. The problem being that I felt that there were many of them out there that were simply lacking the tools to really give you a quality Title and Securitization search, in which I was concerned that they were just going down to the city and producing you something that you could have done on your own. That is why I THOROUGHLY investigated several companies that claimed they had the ability to find out if there were several trusts existing, while concluding that ONLY ONE of them could actually deliver an extensive quality search that I felt met my expectations for my supporters. If the chain of title is broken or you can prove that your loan was concurrently pledged to multiple Trusts, then essentially, I have heard that the borrowers will NO LONGER OWE ANY MONEY ON THE LOAN WHERE AN ASSET HAS BEEN SOLD TO MULTIPLE BENEFICIARIES.

Apparently Flordia Attorney General Pam Bondi has learned her lesson. She has learned to go after the banks and attorneys OR LOSE HER OFFICE! – Maybe she was right. Maybe what goes around…… We The People are watching you Pam…… Tsk Tsk Tsk (Smirk)

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Bondi to appeal court ruling that shields attorneys from foreclosure fraud investigations

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Piggybankblog posted picture

Crosslinked story with tampabay.com

December 30th, 2011- Plagued by accusations that she hasn’t done enough to combat foreclosure fraud, Attorney General Pam Bondi’s office announced today that she will fight a court decision that prohibits her from going after attorneys.

In April, the state’s 4th District Court of Appeals ruled that Bondi does not have the authority to investigate a law firm for alleged fraud under the Florida Deceptive and Unfair Trade Practices Act because attorneys’ work on behalf of lenders did not constitute trade or commerce. The attorney general chose not to appeal.

Two weeks ago, that same court issued a similar opinion in a second case, this time involving the now-defunct Law Offices of David Stern, P.A. Bondi filed a motion today that will allow her to appeal that decision to the state Supreme Court.

In the months between the two rulings, Bondi faced a heap of criticism concerning her office’s approach to foreclosure fraud.

She was skewered in July for forcing the resignations of two attorneys leading foreclosure fraud investigations. At the height of the controversy, Bondi agreed to appoint an independent inspector general to look into the matter and two Democratic legislators asked the federal government to open an inquiry.

A few weeks later, assistant attorney general Andrew Spark released a long, critical essay accusing the office of failing to aggressively pursue foreclosure and consumer protection cases, then he quit the next day.

Bondi attributed much of the criticism to politics and disgruntled ex-employees, and said her office has increased the number of staff assigned to investigating foreclosure-related cases compared to former Attorney General Bill McCollum. Her office said today that there are six pending investigations into law firms for potential misconduct in foreclosure cases.

State Sen. Eleanor Sobel, D-Hollywood, has been one of Bondi’s most vocal critics this year. But she welcomed the news that the attorney general is taking new steps to go after attorneys.

“I think she’s seen the light,” Sobel said. “It’s about time.”

To read Bondi’s motion: click here

Wow! It might appear that Attorney General Pam Bondi might be willing to change her approach on this matter, such as California Attorney General Kamala D. Harris. That’s my girls. However, we will just have to wait to see if it is real or a publicity stunt or not. I don’t know, but it looks like they might be on their way to changing their “Wall of Shame”status here on Piggybankblog.com to “Wall of Fame” if they keep it up!

All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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January 3rd, 2012

Fadie and I were talking yesterday on the phone. We were discussing how important it is for the people to be armed with knowledge these days, because the people of this country are absolutely tired of being victims of the banks potentially irregular, fraudulent, illegal, and unsafe mortgage practices. For example, I don’t know about you, but the potentially criminal Bank of Abusing America phone representatives always finds that they have brought a knife to a gunfight when they talk to me on the phone. This is because I am armed with knowledge and education, which always seems to give me the upper hand in the conversation, while leaving them with nothing on their phone script to answer me with when I say: “I stopped making my payments when I found out that your bank might have consecutively sold my loan multiple times to unidentified investors without being able to maybe accurately identify the actual investor they claim to be foreclosing in behalf of. The bank you work for is potentially committing fraud.” I never tell them that it was because I could not afford my payments in case they try to use that against me in court.

My loan originated at Countrywide home Loans (Inc.) and instantly MERS was the beneficiary, in which MERS then assigned it back to Countrywide Home Loan (Servicing). Then MERS assigned it again to the parent company of Bank of America N.A., who then turns around and announces themselves as the owner of the loan. THEY CAN’T DO THIS! This is because the problem is that MERS CANNOT assign it out TWICE after they have assigned it back to Countrywide Home Loans Servicing the first time. They simply do not have it to assign again. Make sense? Neither can a “Servicing company” assign ownership to ANYONE! This is even if BofA now owns Countrywide Home Loans.

Bank of Tricking America might be trying to trick the process because they might not be able to identify the investor, in which they might be trying to defraud the masses because they know most people do not know this. SO KNOW THIS! Because it is a break in the chain of title, and for all you know, China might own your loan! Ancient Chinese Secret! This is why you might be able to prove the bank wrong if you can have a chain of title and securitization check done to stop them in their tracks from potentially stealing your home. That is why me and Fadie Hany Areny are trying to arm you with knowledge to keep you from becoming a victim. I want to also give you the power when you are talking to all of the potentially brainwashed Bank of Bullshitting America collections department people.

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I further educate them by telling them that the chain of title refers to the history of passing of title ownership to real property from the present owner back to the original owner. The chain of title is a complete, accurate, and publicly recorded, history of instruments used to transfer ownership in a piece of property. The chain of title is a homeowners’ ultimate proof of ownership of his/her real property interests. Besides being conclusive proof of ownership, the chain of title is the basis for title insurance, mortgage finance, and use of property as collateral for business loans. Moreover, a defective chain of title is unmarketable, meaning that properties with broken chains of title may be un-saleable (or if saleable, defective title may adversely affect the property’s price). – click here That means that it is no longer profitable for them to fraudclose on your property if you do something about it. But here is the best part! If the chain of title of the note is broken, then essentially, the borrowers will not ANY LONGER OWE ANY MONEY ON THE LOAN. Tell Bank of Bullshitting America to put that in their pot pipe and smoke it! Click here for actual FHFA Lawsuit

Therefore, the argument should not be if the homeowner should get a free house or not. Instead, the argument is if Bank of Stealing The American Dream should get a free house or not and be allowed to break the law because of fear of there being a Moral Hazard created. This is because I suggest a “Moral Hazzard” has already been created, if the United States Department of Jutices and attorney general’s and courts do not enforce the laws that say they cannot fraudclose if there is a break in the chain of title.

Disclaimer: The Above picture was found on internet. Not an actual BofA advertisement

By this time the Bank of Abusing America phone representative realizes that they have brought a knife a to a gun fight, but because I am armed with more knowledge than they have. They were hoping to have the upper hand so that they could use psychological warfare to try and get you to pay, but what are they going to say now? Pay it anyway even though you have proof of fraud? I usually end the conversation with: “Therefore, please be advised that I stand ready to pursue any and all legal remedies afforded to me by the law, which may include not only damages, but prosecution of anyone serving as an accomplice in helping the potentially criminal Bank of Stealing America.”

Also, please be advised that you cannot just get any attorney to fight this issue for you, such as a mortgage contract attorney, because it might be equivalent to using a environmental attorney to fight your mortgage issues. The last thing you need when fighting the banks is an attorney who is going to use your money to learn on the job, which I assure there is a lot of these kind of bottom feeders out there. That is why you need to remember that you need to have a mortgage litigation attorney. Also, do not just get a chain of title check unless you are planning on following up by going to a mortgage litigation attorney with it. It would be a waste of your money unless you know what to do with it.

Conclusion, great woe will come to for the lazy homeowner who says in their heart “there is a lion outside ready to devour me” but does nothing about it! Let them who were meant to be captive be captive! That is why the single most important thing you might want to do is maybe have a quality mortgage investigation done and have an attorney file a lis pendens with no further delay.

So Look! I have told you!

Let them who have an ear, let them hear!

All Rise! The Honorable Judge John Wright has left The Courtroom of Public Opinion!

My name is John Wright AND I AM FIGHTING BACK!

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