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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Here is a case in NY where a motion to dismiss a foreclosure complaint was granted because MERS has no interest in the note, there for the assignment of the mortgage only is a nullity.  And it wasnt Schack who ruled....

http://www.nycourts.gov/reporter/pdfs/2010/2010_32367.pdf
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