Mortgage Servicing Fraud
occurs post loan origination when mortgage servicers use false statements and book-keeping entries, fabricated assignments, forged signatures and utter counterfeit intangible Notes to take a homeowner's property and equity.
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Judges are the criminals. No if, ands or buts.

http://www.judiciary.state.nj.us/decisions/Wells_Fargo_v_Bowman_F_10764_12.pdf 

judge Doyne is the Adminstratuive Judge for Bergen County, New Jersey who has gone over the cliff.
  


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Sid
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Judges are the criminals. No if, ands or buts.

http://www.judiciary.state.nj.us/decisions/Wells_Fargo_v_Bowman_F_10764_12.pdf

judge Doyne is the Adminstratuive Judge for Bergen County, New Jersey who has gone over the cliff.


It is unclear to me what faults you find with the Court's opinion in Wells Fargo Bank, N.A. v. Bowman, et al, Docket No. BER-F-10764-12. The decision appears to be well reasoned and well written. It doesn't seem to reach or depart from other mainstream holdings of court in New Jersey or elsewhere. Instead, the opinion seems to be remarkable in its fairness and thoroughness.

The defendants in Bowman failed to make out an effective defensive case either in their answer or their summary judgment response. The bank seems to have been more thorough than is seen in many foreclosure cases.

Can you please identify the language in this decision that you believe reflects poorly on Judge Peter E. Doyne? It kind of looks to me as though the plaintiff and foreclosure mill were careful and far less careless than in years past and the defendant didn't seem to get any traction on valid defensive issues.
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Where could I begin ?
When the court hops, skips and jumps around "personal knowledge" N.J. statue R 1:6-6.
Authenication is too burdensome (for the banks).
Recording of an assignment is not relevant (but required).. to bring a N.J. foreclosure action.
Assignment must be accompanied by proof of the assignor's authority to assign (N.J., Power of  to be recorded is required).
Recital of Chain of Title required in N.J.
.."Burdensome or potentially unreasonable technicalities."  To whom ? The banks, of course. Let's not forget the robo-signing technicalities the banks had to fork over after the government regulators couldn't enforce squat and the reviewers gave up and the banks decided what amount homeowner's were to be paid for their non-injuries.
As an aside, N.J. supreme court decided that a Notice of Intent to Foreclose is the same as a Re-Notice, but the Mortgage (Paragraph 22) still requires that it be a Pre-Condition Precendent.
It was not the homeowners who "created the proper business practices" or the laws that are burdensome with unreasonable technicalities upon the banks and courts. Its the courts who ARE ALLOWING THE BANKS to submit, at any cost, fraudulent foreclosures.     

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texas
William A Roper Jr. wrong, doubt it.

As for the past argument of void versus voidable:

If a court acts without jurisdiction, then any proclamation by that court is void. Patton v. Diemer, 35 Ohio St.3d 68 (1988).” State ex rel. Jones v. Suster, 84 Ohio St.3d 70, 75 (1998).
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texas
As for the West, Texas explosion, the fertilizer plant was at its location before the schools and apartments were built.

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texas
Regulations were in place. As to if enforced is another question.
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Uri
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I'm sorry but Mr. Roper may have been right on legal issues, perhaps he knows the law but he is not a lawyer and cannot give legal advice which some on here apparently think is okay. I'll stick with the legal advice of my counsel and try and change the system one baby step at a time. And that doesn't involve listening to non-lawyers and non-judges that seem to have egos the size of Texas. I mean no disrespect to you Texas.

You can keep up your diatribe against Mr. Roper as long as you want. But the simple truth is that those who followed his posted advice are still in their homes. Others, including many represented by attorneys, are homeless.

Texas is a gentleman and an honest man. He is a person of known integrity. But even Texas has lost his house and his appeals.

Nye LaValle is an expert, too. Nye lost the Texas foreclosure of his parents home almost a decade ago.

The very first question a borrower should be asking almost anyone who is peddling advice at the Forum is whether they are still in their home.

Mr. Roper, by the way, has not been dispossessed of his home some seven years after the lender initiated foreclosure. This is in a non-judicial state. He has never filed for bankruptcy and has never suffered any credit impairment whatsoever. That is a pretty good record.

Mr. Roper is also very modest. One of the first things he tells you is that he isn't a lawyer and cannot give legal advice. He also tells you that he has very limited knowledge of the laws of your state. Then he tells you where to go and how to find the resources that you need to succeed. He talked to my lawyer on the phone and told him about several cases in my state that my lawyer had never heard of.
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Alvin
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No regulator was responsible for how far away an apartment building could be built. For shame on all of us for allowing this to happen because we don't want to interfer with a corporation making their profits.

http://www.propublica.org/article/what-went-wrong-in-west-texas-and-where-were-the-regulators

You are clearly an idiot with no real understanding of economics. This is an instance where no regulation ought to have been needed at all. Absent government intervention or distortion in the marketplace, it ought not be possible to get fire or other hazard insurance for an apartment building, hospital or a school constructed in close proximity to a site where hazardous or explosive materials are stored. This would be a self-regulating problem.

Unfortunately, socialists like Pres. Barrack Obama will pay for the replacement of these structures with Federal disaster money, proving that there is no penalty whatsoever for bad insurance underwriting decisions. If the insurers were stuck with the losses, they would avoid making such mistakes in the future. But Pres. Obama is going to stick the taxpayer with the tab (again) and there will be no discipline imposed by the market.
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Alvin wrote:
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No regulator was responsible for how far away an apartment building could be built. For shame on all of us for allowing this to happen because we don't want to interfer with a corporation making their profits. http://www.propublica.org/article/what-went-wrong-in-west-texas-and-where-were-the-regulators
You are clearly an idiot with no real understanding of economics. This is an instance where no regulation ought to have been needed at all. Absent government intervention or distortion in the marketplace, it ought not be possible to get fire or other hazard insurance for an apartment building, hospital or a school constructed in close proximity to a site where hazardous or explosive materials are stored. This would be a self-regulating problem. Unfortunately, socialists like Pres. Barrack Obama will pay for the replacement of these structures with Federal disaster money, proving that there is no penalty whatsoever for bad insurance underwriting decisions. If the insurers were stuck with the losses, they would avoid making such mistakes in the future. But Pres. Obama is going to stick the taxpayer with the tab (again) and there will be no discipline imposed by the market.


Insurance companies like Allstate, Liberty Mutual, MetLife, State Farm, Hartford and UNUM are part of an industry that is the most egregious of any industry out there. They take your money but when the time comes to pay they refuse. In one case Liberty Mutual’s adjustor denied 72 percent of his toxic tort cases. But go ahead and blame the black man in the white house.  It’s all his fault. 

http://www.bostonglobe.com/metro/2012/10/04/Y0QxGU0oOWVvk8xEw2j4FK/story.html

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Lucy
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Insurance companies like Allstate, Liberty Mutual, MetLife, State Farm, Hartford and UNUM are part of an industry that is the most egregious of any industry out there. They take your money but when the time comes to pay they refuse. In one case Liberty Mutual’s adjustor denied 72 percent of his toxic tort cases. But go ahead and blame the black man in the white house. It’s all his fault.

http://www.bostonglobe.com/metro/2012/10/04/Y0QxGU0oOWVvk8xEw2j4FK/story.html

What on earth are you talking about? What do denied toxic tort claims have to do with the point that hazard insurance companies ought not be insuring properties located adjacent to fertilizer distribution facilities?

The "black man in the white house" is the guy who is passing out tax dollars to pay for losses incurred by poor site selection and absolving the insurers of their responsibilities. Are you out of your mind? Of course this massive policy failure is the fault of the socialist in chief who views every disaster and tragic incident as an opportunity to advance his radical agenda to dismantle the free enterprise system.

It is especially offensive that you would be supporting this criminal when it was the Democratic Party that seized control of Fannie and Freddie and looted both causing the economic collapse!
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Insured (Not)
Lucy wrote:
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Insurance companies like Allstate, Liberty Mutual, MetLife, State Farm, Hartford and UNUM are part of an industry that is the most egregious of any industry out there. They take your money but when the time comes to pay they refuse. In one case Liberty Mutual’s adjustor denied 72 percent of his toxic tort cases. But go ahead and blame the black man in the white house. It’s all his fault. http://www.bostonglobe.com/metro/2012/10/04/Y0QxGU0oOWVvk8xEw2j4FK/story.html
What on earth are you talking about? What do denied toxic tort claims have to do with the point that hazard insurance companies ought not be insuring properties located adjacent to fertilizer distribution facilities? The "black man in the white house" is the guy who is passing out tax dollars to pay for losses incurred by poor site selection and absolving the insurers of their responsibilities. Are you out of your mind? Of course this massive policy failure is the fault of the socialist in chief who views every disaster and tragic incident as an opportunity to advance his radical agenda to dismantle the free enterprise system. It is especially offensive that you would be supporting this criminal when it was the Democratic Party that seized control of Fannie and Freddie and looted both causing the economic collapse!
d

It wouldn't matter a whit which party was in the white house. They are all owned by corporations in my opinion.  Corporations are fleecing our country and until we wake up and realize they own everything nothing will change. We live in a fascist society so far gone we may never recover but while you blame socialism, the Democrats, the White House and the President the banks, pharmaceutical companies and insurance companies snicker at you. They have accomplished their goal of seizing everything in sight including the white house. “Keep the fighting going while we steal the remaining slivers of your country is what the top are saying.”  I welcome the bottom because like they say until we reach the bottom we can’t turn our country around.  People like you help to accomplish that goal and I thank you. 

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Pat
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It wouldn't matter a whit which party was in the white house. They are all owned by corporations in my opinion.  Corporations are fleecing our country and until we wake up and realize they own everything nothing will change. We live in a fascist society so far gone we may never recover but while you blame socialism, the Democrats, the White House and the President the banks, pharmaceutical companies and insurance companies snicker at you. They have accomplished their goal of seizing everything in sight including the white house. “Keep the fighting going while we steal the remaining slivers of your country is what the top are saying.”  I welcome the bottom because like they say until we reach the bottom we can’t turn our country around.  People like you help to accomplish that goal and I thank you. 

It is our incumbent Marxist President who is seeking to eliminate private home ownership in the United States and using the banks to seize citizens' homes.  After everyone's home is foreclosed, President Obama will suspend the Constitution, declare himself President for life and formally declare the U.S. to be a Communist dictatorship.
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