Here's the scoop...I'm using my new name...Here's my scoop again....
Wanted to let you know...I got called by some punk collector from Citi last night...He did offer me modification offer...However, with them not knowing who owns the 2nd, and no one making anyone be responsible I'm done. I've found a nice home to rent for $1200 per month within the same school district here where I live. So there won't be any issues with my children having to transfer schools or anything. This I'm grateful for.
The home I found like I said is $1200 per month. If I had stayed here it would still cost me $1414 per month. And there's money needed for repairs. Plus I'm excited about the new home I've found for my children. I figure if anyone ever holds any of them responsible it would be a miracle. But this way its over and time to move forward. AS THEY DID FORECLOSE TODAY....
I decided its best to get out from under the house. If anything ever becomes of what I've done I attempted to document things well. This morning I sent the email below to the foreclosing trustee. After I sent it an associate told me its a little INFLAMMATORY and I SHOULDN'T of SENT IT...i SAID TO MUCH TO LITTLE TO LATE NOW...WHO KNOWS CITI CONSIDERS WHAT I FILED A NUISSANCE CASE....I WONDER HOW THEY WANT IT ? NOT EVERYONE IS A LIAR....
SR. BANKRUPTCY JUDGE GONE OFF THE DEEP END
JUST HOW CROOKED ARE THE BANKS TODAY?
This flyer is just an example of DESPICABLE BANKING PRACTICES. If you think you're filing bankruptcy to get help think again. Judges in St. Louis are on the take by the LOCAL Attorneys that represent mortgage companies or possibly you.
Millsap and Singer is just one such firm. At any given time they have 500 foreclosures going on. Their motto is don't believe a word from a debtor/homeowner. As there's no way they could be saying anything TRUE. I truly know what they say isn't true I've proven such practices since I've been working in the banking industry.
They submit false evidence in cases knowing it's not TRUE! JUDGES ARE ON THEIR SIDE IF YOU TRY TO CONTEST IT. Anything you file will just be disregarded. Even if it's TRUE! The JUDGES THAT ARE SUPPOSE TO BE UPHOLDING THE LAW ARE NOT.
The LAWFIRM of MILLSAP & SINGER would rather be sued and lose more money for themselves and their client than rectify anything! So DON'T FIGHT TO KEEP YOUR HOME EVEN IF YOU CAN PROVE THEIR DISHONESTY.
Anyone can say I'm a liar. However, if they were knowledgeable they would just CONFESS TO THE CRIMINAL ACTS THEIR PULLING EVERYDAY! But I guess when you can lie and deceive anything one may know it's a good practice to do.
My history in the mortgage banking arena started several years ago prior to accepting employment with National Asset Recovery Services. I was employed with them collecting on charged off mortgages for Chase and CitiFinancial. That is until come to find out you can't even accept employment in the State of Missouri without being lied to. If you try to make anyone aware of the fraud they just disregard you.
Seriously, NARS made Chase lose a lawsuit over selling mortgages. They lost $170k and mortgage notes because NARS NEVER HAD IT IN THEIR CONTRACT TO SELL MORTGAGE NOTES IN BEHALF OF CHASE.
I lost my employment for attempting to do what's right. Sure let me pay you $80k for non-performing notes and not want them. However, unknown to me the investor was just as big a crook as NARS was or is still today.
They on a continual basis make employees have to question their collection practices. I actually to not break the law in doing collections would have to call Chase to have accounts pulled or else I'd be forced to work accounts that were placed in error in my office.
The tactics of this agency along with Millsap and Singer are the same. They don't even have proper signatures on documents presented to court. SR. JUDGE BARRY SCHERMER JUST DOESN'T CARE!
If you file bankruptcy in his court and show cause for not having standing he'll just dismiss it as a NUT JOB CASE. ATTORNEY'S WON'T STICK UP TO THE BANKRUPTCY CLUB HERE IN St. Louis. Therefore, anyone involved with Millsap and Singer or attorneys in St. Louis BEWARE! Their only interest is their own pockets not any PROPERTY LAWS THEIR TO UP HOLD.
Seriously, if anyone doesn't believe me check my credit history. Check my former employment. Check the cases of bankruptcy I tried to file. Judge Schermer will just dismiss your bankruptcy as you're not a good law abiding citizen. A dead beat who doesn't deserve justice. Your just another case for him to be bought off on.
See before I accepted employment with NARS I was told they had it within their contract to Sell mortgage notes for Chase. In this position I collected on mortgages for both Chase and Citifinancial. CitiFinancial knowingly places accounts for collection knowing someone may of filed bankruptcy and walked away. They knowingly won't give answers on amounts due on file. And judges don't make them uphold property law rights. They know your loan should have been rescinded for fraud perpetrated against you but do nothing! As you decided to file bankruptcy thinking they would up hold some type of laws but they're not.
They just say your behind and your due. What if just by chance you've done everything to be an honest individual and still can't win? See I was injured by an unknown accident that gave me a ruptured disc in my back. Trying to go forward I had it fixed in 1996. The unfortunate thing is in less than a year a driver hit me on Hwy 70 going west bound in east bound traffic. Since this time I've endured pain everyday from the fear of NEVER WALKING AGAIN since my chances of walking are a lot less than they were the first time around from such an operation.
So I attempted to continue my professional career doing collections until the above happened in 2004 with NARS. Then unfortunately the business venture I attempted to do didn't work out as I planned. However, in attempts to rectify my business matters I tried to take my MORTGAGEE CITIFINANICAL CLIENTS THAT could pay my mortgages many times over. Only to not have transaction happen because of CitiFinancial's GREED. They turned down making $10-$50m per month all because once they sold something they still wanted to make money! A new twist to collectionsâ€¦.It's sold but its not sold cause we still want to make money from you once we've sold you something.
The other investor didn't work because he couldn't purchase portfolios in the purchase price amount Citi wanted. Seriously, I have clients that could probably make Citi a couple of Billion Dollars in currency transactions. Or if they gave proper information for a sale could sell a portfolio of REO's where buyer is willing to purchase $200-$300m of REO's from them. But of course for whatever reason I'm being foreclosed on today!
So I want to know how one does good business anymore. See part of the reason I'm in this situation is because all these collection agencies get by with lying!! The JUDGE must be BOUGHT OFF BY THE BANKS! Wonder how much he's raking in.
I've submitted a SUBPOENA DEUCES TECUM and Summons to Citi. I was told yesterday the type of case I've filed their considering a NUISSANCE CASE. How is it a NUISSANCE to get them to prove what they should of proven all along? Every law in our country dictates PROPERTY RIGHTS BE UPHELD. That to foreclose you should have in POSSESSION proper documentation showing OWNERSHIP. Judge Schermer and Trustee John La Barge have attempted to deny me this. So I know their doing it to everyone else! Just because I was a bill collector and know the laws that are supposed to be upheld doesn't mean I should be denied fairness in any court proceeding.
I will be at the foreclosure sale today passing this out.
I decided not to go to the sale today though...Figured what's the use? Plus I'll have a nicer house to live in...So who knows maybe there's many blessings in life after all..
Then after all this happened we pulled David's credit bureau today...WE found out that Citifinancial sold our mortgage note to Citimortgage SBM on June 30, 2008. Five days after the BK judges ruling...Interestingly enough I'm a nut job now...Even though their sister companies or WTF they are I should of been notified of them selling it between themselves...I did a search on Citimortgage SBM and found a listing that was interesting...They also foreclose by Citimortgage SBM-Abn Amro Mortgage Group in GA...So who knows who really owns what? THEY STILL HAVE NO CLUE....nor do they feel they owe me any PROPERTY RIGHTS what so ever...
So WITH or WITHOUT PROOF YOUR SCREWED....The other IRONY of all this is if they knew HOW TO DO PROPER BUSINESS they could make $$$ instead of losing it with the clients I have...
I had some friends that left St. Louis about a year ago and came back...They've been staying in a hotel hoping to find jobs and such...They've ran out of money...I did the best I could to help with what we have going on...I just feel horrible knowing cause the job situation isn't much better for me...They have 5 kids between 5 mnths and 12 yrs old...I just feel awful...I took them to at least get some temporary shelter today thru an outreach center..But its TEMPORARY....and only for a week...They still don't have decent employment to try to help themselves...
I'm truly scared for them..The van their driving the plates are expired. Winshield cracked...No insurance...NO HOME....5 KIDS THAT CALL THEM MOM AND DAD....That could end up being the only thing they have besides whats in storage...Family is in SC...They were able to get some food from the people helping them but not much for a family of 7 to live on even til Tue so maybe they can get foodstamps...It's not that their not trying either....Gonna go before I go cry more...