January, 2012 | FORECLOSURE FRAUD | by DinSFLA

Archive | January, 2012

REQUIRED READING: Marie McDonnell’s Supplemental Brief in EATON vs. FANNIE MAE

REQUIRED READING: Marie McDonnell’s Supplemental Brief in EATON vs. FANNIE MAE

If you want to know where the bodies are buried, look no further. Here are a few snips from Marie’s brief:

In what has become common parlance among those
investigating these securitization failures (including
the Securities and Exchange Commission and the
Department of Justice), we refer to this type of
transfer as an “A to D” assignment because it skips
over parties “B” and “C” and creates a “wild deed
(especially in title theory states such as
Massachusetts).

The assignment of mortgage is the “breeder
document” from which all other paperwork necessary
to bring the foreclosure action; notice the sale;
obtain judgment; and transfer title depends.

The Eaton Defect” as described in our amicus brief occurs when an entity, such as Green Tree Servicing LLC takes the mortgage by assignment and prosecutes a foreclosure in its own name when it neither owns nor holds the note.

The Ibanez Defect” as described in this amicus brief occurs when an entity, such as Option One Mortgage Corporation, sells the loan for securitization purposes and later, after the loan has been sold multiple times, assigns the Note and Mortgage (or just the Mortgage) directly to the Trustee of the Issuing Entity (securitized trust).

Supreme Judicial Court
FOR THE COMMONWEALTH OF MASSACHUSETTS
NO. SJC-11041
SUFFOLK COUNTY

HENRIETTA EATON,
PLAINTIFF-APPELLEE,

v.

FEDERAL NATIONAL MORTGAGE ASSOCIATION & ANOTHER,
DEFENDANTS-APPELLANTS.

ON APPEAL FROM AN INTERLOCUTORY ORDER OF THE SUFFOLK SUPERIOR COURT

SUPPLEMENTAL BRIEF OF
AMICUS CURIAE MARIE MCDONNELL, CFE

[ipaper docId=80055062 access_key=key-2jczy7ahsbjdgr7u6vbg height=600 width=600 /]

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Richard v. Schneiderman & Sherman et al – MI SC instead of granting leave to appeal, VACATED the judgment & remanded the case pursuant to Res. Funding v. Saurman

Richard v. Schneiderman & Sherman et al – MI SC instead of granting leave to appeal, VACATED the judgment & remanded the case pursuant to Res. Funding v. Saurman

Michigan Supreme Court
Lansing, Michigan

January 30, 2012

AARON RICHARD,
Plaintiff-Appellee,

v

SCHNEIDERMAN & SHERMAN, P.C.,
Defendant-Appellant,

and

GMAC MORTGAGE, and MORTGAGE
ELECTRONIC REGISTRATION SYSTEMS,
INC.,
Defendants-Appellees.
_________________________________________/

By order of December 29, 2011, the proceedings in this case were automatically
stayed by the filing of a petition in bankruptcy. On order of the Court, the bankruptcy
stay having been lifted and the case having been reopened, the application for leave to
appeal the August 25, 2011 judgment of the Court of Appeals is considered and, pursuant
to MCR 7.302(H)(1), in lieu of granting leave to appeal, we VACATE the judgment of
the Court of Appeals and we REMAND this case to the Court of Appeals for
reconsideration in light of Residential Funding Co, LLC, f/k/a Residential Funding Corp
v Saurman, 490 Mich ___ (decided November 16, 2011).

MARILYN KELLY, J., would grant leave to appeal.

[ipaper docId=80054632 access_key=key-2z5i88cweuptt2lfxnk height=600 width=600 /]

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Robosigning = Smoking Gun

Robosigning = Smoking Gun

FDL-

There are a few voices emerging suggesting that the current iteration of the “50 AG settlement” is somehow wonderful, or at least OK, because it only immunizes robosigning. “Only,” as if robosigning was some relatively benign peccadillo, instead of a massive conspiracy to commit forgery and perjury that is systematically driving our population into homelessness AND continuing to drive down the value of our homes…

[FIRE DOG LAKE]

image: sodahead

 

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AN OPEN LETTER TO MICHIGAN AG BILL SCHUETTE FROM REG. Of DEEDS CURTIS HERTEL JR.

AN OPEN LETTER TO MICHIGAN AG BILL SCHUETTE FROM REG. Of DEEDS CURTIS HERTEL JR.

Via The American Independent

AN OPEN LETTER TO BILL SCHUETTE

The Honorable Bill Schuette
Attorney General of Michigan

Mr. Schuette –

I have the utmost respect for you and your office, and I wish to commend your hard work
on the recent mortgage robo-signing crisis. The challenges we have faced in Michigan
concerning property fraud have been unlike anything we have ever seen before, and you
have been actively engaged in this fight with myself and the other Michigan Registers of
Deeds.

As you know, the deadline for Michigan to sign on to the 50-state mortgage fraud
settlement is February 3rd. I recognize that this is a difficult decision, and that there
are many factors to consider.

I am writing to ask that you stand firm, and refuse to add Michigan to any settlement
that would give criminal immunity to the defendants. Our ongoing investigations have
demonstrated that the major banks in this settlement, and their hired document mills,
were engaged in the practice of robo-signing. Hundreds of residents here in Ingham
County, and thousands of residents across the state, were illegally foreclosed upon
because of this practice.

These illegalities have stolen due process from our own citizens, and robbed them of
precious time that could have been used to recover and resume their mortgages, or obtain
a modification. A family who is facing a foreclosure is already vulnerable; this
practice insured that they could not possibly reclaim their home.

We have even received information in recent days that shows LPS, a document mill included
in the proposed settlement, specifically requested to have this criminal investigation
converted to a civil lawsuit. It seems clear that they are aware of their vulnerability
to these charges, and are attempting to save their company’s stock price by avoiding
responsibility.

All I am asking is that we treat the banks in the same way we would treat our own
citizens. If a person in Michigan were to commit fraud and forgery, and use these
practices to take someone’s property, that person would go to jail. I respectfully
request that we leave that same possibility open for the banks and corporations that have
committed those same crimes here in our state.

Sincerely,
Curtis Hertel
Ingham County Register of Deeds

[ipaper docId=80054585 access_key=key-1l4oxuea14k3mh7la6yn height=600 width=600 /]

 

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Federal prosecutors preparing to file criminal charges against former Wall Street traders

Federal prosecutors preparing to file criminal charges against former Wall Street traders

THIS is only the beginning, expect many many more in months to come.

WSJ-

Federal prosecutors are preparing to file criminal charges against former Wall Street traders alleging they misstated the value of mortgage bonds, an issue central to the 2008 financial crisis, according to people familiar with the matter.

The Manhattan U.S. Attorney’s office is planning to allege in a criminal complaint that several former traders at Credit Suisse Group AG, a major global investment bank, misled the bank’s investors by booking inflated prices of mortgage bonds to boost their bonuses, despite knowing the values of those securities had dropped, according to the people familiar with the matter.

Credit Suisse itself won’t be …

[WALL STREET JOURNAL]

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LPS Uses Bogus Florida IG Report on Firing of Foreclosure Fraud Investigators in Motion to Dismiss Nevada Lawsuit

LPS Uses Bogus Florida IG Report on Firing of Foreclosure Fraud Investigators in Motion to Dismiss Nevada Lawsuit

If this isn’t proof something isn’t smelling right at the Florida’s AG’s office, I don’t know what this is?

When you read David Dayens article, keep in mind where the assignments came from… LPS/DOCx!

FDL-

We’re at T-minus four days for sign-ons to the foreclosure fraud settlement, and we know that Florida’s Pam Bondi is on board, despite pushback from advocates in her state, ground zero for the foreclosure crisis. There’s an interesting nugget buried in this article, though.

Bondi spokeswoman Jennifer Meale said in an email that their concerns are “misguided” because the settlement would provide a historic level of monetary relief and will overhaul the mortgage industry.

“Rather than engaging in political grandstanding, Attorney General Bondi is working hard to reach an agreement that gets Floridians substantial relief now and holds banks accountable for their misconduct,” Meale wrote.

The settlement is expected to provide $1,800 each for about 750,000 families across the country. It is a response to such practices as “robo-signing” by bank employees who often knew little or nothing about the mortgage documents they were hired to sign.

Nevada, New York, Delaware, New Hampshire and Massachusetts contend the deal isn’t strong enough because it would protect banks from future civil liability.

It will not, though, fully release them from future state criminal lawsuits.

Put aside Bondi’s dissembling for a second …

[FIRE DOG LAKE]

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Lender Processing Services, Inc. Files Motion to Dismiss Nevada Attorney General Complaint

Lender Processing Services, Inc. Files Motion to Dismiss Nevada Attorney General Complaint

JACKSONVILLE, Fla., Jan. 31, 2012 /PRNewswire/ — Lender Processing Services, Inc. (NYSE: LPS), a leading provider of integrated technology, data, and analytics to the mortgage and real estate industries, today responded to the civil complaint filed by the Nevada Attorney General against the company in December 2011.

In the company’s Motion to Dismiss, LPS makes clear that the Attorney General’s complaint contains significant legal defects which require the court to dismiss the complaint with prejudice.  Perhaps most significantly, LPS points out that the Attorney General’s complaint fails to allege that any document executed by subsidiaries of LPS was incorrect, contained errors, or caused any borrower financial harm.

“LPS filed this Motion to Dismiss in response to the allegations made by the Nevada Attorney General,” said Hugh Harris, LPS president and chief executive officer. “Although we have to defend ourselves against allegations that we believe are untrue, we remain committed to working with the Attorney General’s office to resolve these matters.”

To review the Motion to Dismiss, please click here or visit http://www.lpsvcs.com/LPSCorporateInformation/MultimediaLibrary/PublishingImages/LPS_DefendantsMotionToDismiss.pdf

About Lender Processing Services

Lender Processing Services, Inc. (LPS) is a leading provider of integrated technology, services and mortgage performance data and analytics to the mortgage and real estate industries. LPS offers solutions that span the mortgage continuum, including lead generation, origination, servicing, workflow automation, portfolio retention and default, augmented by the company’s award-winning customer support and professional services. Approximately 50 percent of all U.S. mortgages by dollar volume are serviced using LPS’ loan servicing platform, MSP. LPS also offers proprietary mortgage and real estate data and analytics for the mortgage and capital markets industries. For more information about LPS, visit www.lpsvcs.com.

SOURCE Lender Processing Services, Inc.

Back to top RELATED LINKS
http://www.lpsvcs.com

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Treasury Investigates Freddie Mac Investment

Treasury Investigates Freddie Mac Investment

Do you think this has anything to do with this? 🙂 How Henry Paulson Tipped Off Hedge Funds of Fannie Mae Rescue

Could he also be tied to this?


Yahoo-

The Treasury Department is investigating a report that Freddie Mac, the mortgage giant, bet against homeowners’ ability to refinance their loans even as it was making it more difficult for them to do so, Jay Carney, a White House spokesman, said on Monday.

The report came just as the Obama administration had been escalating its efforts to push Fannie Mae and Freddie Mac to ease conditions for homeowners, including those who owe more on their mortgages than their homes are worth.

Last Friday, the Treasury announced that it would offer increased incentives to lenders to forgive portions of homeowner debt, saying pointedly that for the first time the incentives would be offered on loans held by Fannie and Freddie.

[YAHOO]

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FELTUS v. US Bank N.A. | FL 2DCA “Affidavit of Indebtedness Fail, Genuine Issue of Material Fact of Who Owned or Held the Note”

FELTUS v. US Bank N.A. | FL 2DCA “Affidavit of Indebtedness Fail, Genuine Issue of Material Fact of Who Owned or Held the Note”

JULIA FELTUS, Appellant,
v.
U.S. BANK NATIONAL ASSOCIATION, as TRUSTEE of MASTR ADJUSTABLE RATE MORTGAGES TRUST 2007-3, Appellee.

Case No. 2D10-3727.

District Court of Appeal of Florida, Second District

The properly filed pleadings before the court when it heard U.S. Bank’s
motion for summary judgment were a complaint seeking to reestablish a lost note to
which was attached a copy of a note made payable to Countrywide, N.A., Feltus’s
answer and affirmative defenses alleging that the note attached to the complaint
contradicts the allegation of the complaint that U.S. Bank is the owner of the note, a
motion for summary judgment alleging a lost note of which U.S. Bank is the owner, and
an affidavit of indebtedness alleging that U.S. Bank was the owner and holder of the
note described in the complaint. The endorsed note that U.S. Bank claimed was now in
its possession was not properly before the court at the summary judgment hearing
because U.S. Bank never properly amended its complaint.2 In addition, the complaint
failed to allege that U.S. Bank “was entitled to enforce the instrument when loss of
possession occurred, or has directly or indirectly acquired ownership of the instrument
from a person who was entitled to enforce the instrument when loss of possession
occurred.” § 673.3091(a). The affidavit of indebtedness provided no assistance in this
regard because the affiant did not assert any personal knowledge of how U.S. Bank
would have come to own or hold the note. See Shafran v. Parrish, 787 So. 2d 177, 179
(Fla. 2d DCA 2001) (“When affidavits are filed to establish the factual basis of the
motion [for summary judgment], they must be made on personal knowledge,
demonstrate the affiant’s competency to testify, and be otherwise admissible in
evidence.”).

The trial court erred in entering final judgment of foreclosure because the
documents before it did not establish conclusively that there was no genuine issue of
material fact and that U.S. Bank was entitled to foreclose Feltus’s mortgage as a matter
of law. Accordingly, we reverse and remand for further proceedings consistent with this
opinion.

[ipaper docId=79923543 access_key=key-o2c2szisin5tanoviek height=600 width=600 /]

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Fla. AG urged to get tough on foreclosure deal

Fla. AG urged to get tough on foreclosure deal

Miami Herald-

Religious and community groups urged Attorney General Pam Bondi on Monday to take a tougher stance on a proposed settlement with the nation’s five largest mortgage lenders over deceptive foreclosure practices.

A pair of ministers and an evicted former homeowner delivered a letter after holding a news conference outside Bondi’s office at the Capitol.

They contend the proposed $25 billion national deal that Bondi supports doesn’t go far enough. They say that’s because the negative equity on homes in Florida alone is about $120 billion.

[MIAMI HERALD]

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As Mortgage Settlement Deal Nears Feb. 3 Deadline, Nevada AG Raises 38 Important Concerns

As Mortgage Settlement Deal Nears Feb. 3 Deadline, Nevada AG Raises 38 Important Concerns

The BIG question remains, What happens if there is origination fraud? Will there be a separate fund for victims in this instance?

HuffPO-

In a letter dated Friday, emailed to federal officials and obtained by The Huffington Post, Nevada’s attorney general, Catherine Cortez Masto, asked 38 questions referencing a variety of concerns, including fears that states would play second fiddle to the federal government in making decisions. She also questioned if the states would lose their ability to pursue certain types of lawsuits against banks and whether the states would get their fair share of the housing assistance for their borrowers.

“What would happen if all of the state attorney general representatives had one view and the federal agencies disagreed?” Masto asked in her letter.

[HUFFINGTONPOST]

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Freddie Mac Bets Against American Homeowners

Freddie Mac Bets Against American Homeowners

ProPublica & NPR-

Freddie Mac, the taxpayer-owned mortgage giant, has placed multibillion-dollar bets that pay off if homeowners stay trapped in expensive mortgages with interest rates well above current rates.

Freddie began increasing these bets dramatically in late 2010, the same time that the company was making it harder for homeowners to get out of such high-interest mortgages.

No evidence has emerged that these decisions were coordinated. The company is a key gatekeeper for home loans but says its traders are “walled off” from the officials who have restricted homeowners from taking advantage of historically low interest rates by imposing higher fees and new rules.

[PROPUBICA]

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Expanding Reach, Cuomo Creates Second Cop on Financial Beat

Expanding Reach, Cuomo Creates Second Cop on Financial Beat

“It’s not common to have a combined regulatory and enforcement function,” he said, adding, “It’s effectively very competitive with the attorney general’s jurisdiction.”

The two agencies are publicly cordial, but behind the scenes they are much like two boxers feeling each other out in an opening round. Already, turfs are overlapping.

 NYT-

Benjamin M. Lawsky is not the attorney general of New York State.

But one could be forgiven for being confused. Since Gov. Andrew M. Cuomo installed him as superintendent of a new state agency, the Department of Financial Services, which became active in October, Mr. Lawsky has been making headlines normally associated with attorneys general.

He has forced insurers to turn over more than $100 million in unpaid death benefits to surviving family members, dispatched rafts of subpoenas to banks, and pressed lenders to curb abusive foreclosure practices.

[NEW YORK TIMES]

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UP w/ Chris Hayes | NY Attorney General Eric Schneiderman on President Obama’s Mortgage Crisis Unit

UP w/ Chris Hayes | NY Attorney General Eric Schneiderman on President Obama’s Mortgage Crisis Unit

I’ve watched several of Chris’s videos and he has a way of explaining foreclosure fraud very well & always asks the right questions. This is a great video for those who are just in the beginning stages.

Must watch in its entirety…

New York Attorney General and co-chair of President Obama’s new mortgage crisis unit Eric Schneiderman talks with Chris about his expectations for the new mortgage crisis investigations.

Visit msnbc.com for breaking news, world news, and news about the economy

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MATT TAIBBI | A Victory for the Public on Foreclosures? Half of Wall Street May End Up In Jail.

MATT TAIBBI | A Victory for the Public on Foreclosures? Half of Wall Street May End Up In Jail.

Rolling Stone-

So there was big news yesterday on the foreclosure settlement front. We still have to wait and see what the final deal looks like, but there are reports out that the long-awaited settlement is a far, far better deal for the public than expected. If these reports are true, it looks like New York Attorney General Eric Schneiderman and California AG Kamala Harris have scored an enormous victory in narrowing the scope of the settlement to the point where it really only covers robosigning abuses.

[ROLLING STONE]

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Mortgage Task Force Has a Fancy Name, but Will It Get Tough?

Mortgage Task Force Has a Fancy Name, but Will It Get Tough?

Where was Obama these last years, millions getting thrown out in the streets?

This is purely political and this is election year…coincidence? NOT.

Gretchen Morgenson-

PRESIDENT OBAMA told the nation last week that he was convening a task force to investigate the abusive practices in the mortgage industry that led to our economic woes. Both lending and the practice of bundling loans into securities will come under scrutiny, he said, adding: “This new unit will hold accountable those who broke the law, speed assistance to homeowners and help turn the page on an era of recklessness that hurt so many Americans.”

Some greeted this new task force — its unwieldy name is the Residential Mortgage-Backed Securities Working Group — with skepticism. It is an election year, after all, and many might wonder if this is just a public-relations response to the outrage against the institutions and executives that almost wrecked the economy.

If this task force nailed some big names, and soon, it would help to allay deep suspicions that the authorities have given powerful people and institutions a pass during this awful episode.

[NEW YORK TIMES]

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SUE THE BANKS: Deficit tied to foreclosures

SUE THE BANKS: Deficit tied to foreclosures

Simple solution for each and every state that was destroyed by using MERS alone.

Michigan Citizen-

If you believe the status quo media reports and some state officials, the city of Detroit has exhausted all of its options to erase its mounting budget deficit. The only solution, according to Gov. Rick Snyder and State Treasurer Andy Dillion, is imposing an emergency manager.

The city, according to some legal experts, has another possible course of action: Suing the banks to recoup revenue losses caused by fraudulent lending practices.

Since the onset of the nationwide home foreclosure crisis, several cities have challenged the banking industry in court. In most cases, the goal was to establish a direct link between bank-led home foreclosures and municipal budget deficits. The efforts have largely failed thus far.

[MICHIGAN CITIZEN]

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Oh look, Wells Fargo is recruiting new robo-signers

Oh look, Wells Fargo is recruiting new robo-signers

via: Matt Stoller

“Requires the applicant to qualify to be a Wells Fargo officer to execute documents and.. pass an online MERS signing authority assessment”

Oh and by the way, where is there any disclosure that Wells Fargo is a shareholder of MERS…?? So it will be creating legal documents for itself, basically.

[ipaper docId=79709191 access_key=key-tfzq0pqkh99mb6xttz7 height=600 width=600 /]

 

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Rachel Maddow Interview With NY AG Eric Schneiderman

Rachel Maddow Interview With NY AG Eric Schneiderman

I became Attorney General about a year ago and started digging into this, and realized that New York and Delaware, which is why my collaboration with Beau Biden was so important, we had a unique place. Because all of the mortgage-backed securities were actually pools of mortgages deposited into New York trusts or Delaware trusts. We started looking at what she’s talking about, did they actually get all the paperwork done, things like that. And we realized that there’s a lot of work to do but a lot of potential for proving liability.

Visit msnbc.com for breaking news, world news, and news about the economy

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WA SB 6337: An act relating to protecting short sale sellers from payment of forgiven home loan debt if such debt forgiveness is reported to the IRS

WA SB 6337: An act relating to protecting short sale sellers from payment of forgiven home loan debt if such debt forgiveness is reported to the IRS

Title: An act relating to protecting short sale sellers from payment of forgiven home loan debt if
such debt forgiveness is reported to the internal revenue service.

Brief Description: Protecting short sale sellers from payment of forgiven home loan debt if
such debt forgiveness is reported to the internal revenue service.

Sponsors: Senators Frockt, Fain, Haugen and Litzow.

Brief History:

Committee Activity: Financial Institutions, Housing & Insurance: 1/24/12.

 

[ipaper docId=79647844 access_key=key-5a06esia441diz3qqip height=600 width=600 /]

 

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Alison Frankel: What can we expect from new DOJ/SEC/state AG task force on MBS?

Alison Frankel: What can we expect from new DOJ/SEC/state AG task force on MBS?

REUTERS LEGAL REPORTER ALISON FRANKEL –

I follow mortgage-backed securities litigation closely enough to be disgusted at the greed that fueled the securitization of insufficiently underwritten mortgages issued to homeowners who had no hope of paying them off. Sure, MBS investors and the bond insurers that backed MBS trusts were sophisticated and, to some extent, forewarned about the timebombs lurking in those mortgage pools. But you can’t read the voluminous MBS filings by monolines and investors — including the federal agency that oversees Fannie Mae and Freddie Mac — without wishing that someone be held accountable for sending the housing market on a slide, and dragging down the rest of the economy with it.

To date, accountability has been an elusive goal. I’m not talking about private suits or breach-of-contract put-back claims, in which MBS issuers are beginning to acknowledge billions of dollars of exposure to investors and insurers. But state and federal regulators and prosecutors have lagged behind the private plaintiffs bar (and the Federal Housing Finance Agency). As best I can tell, there have been no criminal prosecutions of people or institutions involved in mortgage-backed securitizations. On the civil side, the U.S. Attorney for the Southern District of New York, Preet Bharara, brought an MBS-based suit against Deutsche Bank last May. This summer, the New York Attorney General, Eric Schneiderman, filed Martin Act claims against Bank of New York Mellon for its conduct as Countrywide MBS securitization trustee. In October, the Delaware AG, Joseph Biden III, filed a civil suit against the Mortgage Electronic Registry System that accuses the banks that established MERS of using it as a vehicle to bundle mortgages they didn’t actually own. And last week, the Illinois AG, Lisa Madigan, sued Standard & Poor‘s for giving undeserved AAA ratings to overly risky mortgage-backed notes.

[REUTERS LEGAL]

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US Treasury: New HAMP Mortgage Modification Program Includes GSE Principal Reductions

US Treasury: New HAMP Mortgage Modification Program Includes GSE Principal Reductions

I posted the quoted text below back on Nov ’10… I wonder who exactly signs off for MERS, if this is so?

The standard modification agreement
is between the Borrower and
the Lender. The agreement amends
and supplements (1) the Mortgage,
Deed of Trust or Deed to Secure
Debt (Security Instrument) and (2)
the Note bearing the same date as,
and secured by, the Security
Instrument. Prior to MERS, the
standard agreement worked
because the Lender was the mortgagee
of record and could modify
the mortgage and also had the
authority to modify the Note.

However, if MERS is the mortgagee
of record, the Lender can’t
modify the mortgage without the
“mortgagee’s” consent.

MNINEWS-

The Obama Administration Friday announced it is expanding its flagship mortgage modification program and will now encourage lenders to reduce the principal loan balance for Fannie Mae and Freddie Mac loans.

The announcement comes just three days after President Obama said he would do more to support the struggling housing market and two days after Federal Reserve Chairman Ben Bernanke said housing is holding back the economic recovery.

Assistant Secretary for Financial Stability Timothy Massad in a blog post Friday outlined the changes to HAMP — including extending the end-date by one year and refocusing on principal reductions.

Massad said Treasury notified the Federal Housing Finance Agency, the regulator for Fannie Mae and Freddie Mac, that they will pay principal reduction incentives to the GSEs if they allow servicers to forgive principal — if done in conjunction with a HAMP modification.

Massad also said Treasury will triple the incentives for HAMP principal reduction modifications by paying from 18 to 63 cents on the dollar, depending on how much the loan-to-value ratio is reduced.

[MNINEWS]

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GARY DUBIN LAW OFFICES FORECLOSURE DEFENSE HAWAII and CALIFORNIA
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Kenneth Eric Trent, www.ForeclosureDestroyer.com

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