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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The United States Bankruptcy Court Kansas District has adopted a helpful and interesting Standing Order -- Standing Order 07-4 (17 Dec 2007) -- which assures that debtors receive regular and informative communications regarding mortgage payments and balances.  The text of the Standing Order can be found at this link:

Full text of the local rules for the Kansas District can be found at this URL:

The Court's web site is generally accessible from this link:

But wait, there is even MORE!  An article posted a foreclosure attorney's network USFN declares that Kansas Bankruptcy Courts will require the all bankruptcy confirmation orders include the following mandatory language:
"No real estate creditor shall ever assess, charge or collect, from either the debtor or the real estate collateral, any assessments, fees, costs, expenses or any other monetary amounts, exclusive of principal, interest, taxes and insurance, that arose from the date of the filing of the bankruptcy petition to the entry of the Order of Discharge except as may be allowed by court order or an allowed proof of claim."
See: "KS: More Bankruptcy Court Mandates" (April 2008), by Chelsea Herring at

What an insightful initiative!  Perhaps other Bankruptcy Courts will take notice!

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