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 recent NY Appellate Decision in which Plaintiff US Bank failed to show that the debt was transfered before the commencement of the action. 

I think this really changes the playing field in NY, since MERS did the assignment of the mortgage without evidence of tranfer of the debt.
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