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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Where Attorney(s)-in-Fact signed Assignment(s) of Mortgage to the new alledged lender, such as FDIC to OneWest Bank, and this assignment is recorded, does the Power of Attorney also need to be recorded that gave the Attorney-in-Fact the authority to sign the document, in New Jersey and possibly other states, like Va. that does require a Power of Attorney ?  
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Thanks, thers's also a deposition taken on February 1, 2012 from Rebecca Marks who works for OneWest Bank as a manager of litigation, in Austin, Texas signing Certifications for Summary Judgments and states that she doesn't work in the foreclosure litigation and knows nothing. The case is Shakiela Clark vs. OneWest Bank, FSB in Pa. The depo is not available on the web, but can be obtained from http://www.summitreporting.com. The best case is in Washington state where they deposed Rebecca Mark's boss in the James McDonald vs. OneWest Bank thru an Evidentary Hearing that's posted on the web as is the Judge's Order where he sanctions OneWest for $ 25,000. Lot of good stuff in there everyone can use. 
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As Garfield says "Follow the money." Use Discovery, but Deny Mortgage and Note because OneWest, the Plaintiff,  bought nothing, just servicing rights. Request a FDIC/FOIA for your loan. Attack the robo-signer who signed the Assignment of Mortgage/Deed of Trust who is most likely an Attorney-in-Fact. In New Jersey, a Power of Attorney is required to be recorded with an Assignment of Mortgage. There's a depo on the A-I-F somewhere. Fannie/Freddie are connected. Demand Custodial Files in Discovery, most likely Deutsche Bank National Trust Company. Must read the Evidentary Hearing on McDonald. 
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TheEquitableOne
Real estate is governed by state law, thus any requirement that a power of attorney also be filed is likely a state law issue. 
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