MORTGAGES, NOTES, DEEDS and LOANS in CRIME

by Bill Tommolino and Gary Michaels

The American Dream has been shattered. The once Loved ldea of Owning a Home has
been Stolen by Corruption and Organized Crime. Foreclosures and Mortgage Theft is
Rampant. What appears to been a decline of Real Estate values is not an Accident.

This entity or Group is actually perpetrated and created by MERS. MERS stands for a
Delaware Corporation known as Merscorp, lnc. MERS or which is known as the
Mortgage Electronic Registrations Systems, lnc with its principal place of business in
Virginia. MERS is a wholly owned subsidiary of Merscorp, lnc. and is always referred
collectively as "MERS". MERS holds Mortgages on Property in All Counties within
every State, and all 50 States in the United States.

MERS has committed and is committing Devious indirect crooked trickery tactics in
every State and has caused and is causing lnjury to Persons or Property within each
State of the United States.
MERS has acquired illegd monies of Millions of Dollars in unpaid Recording Fees and
has unlawfully Avoided through a Nationwide Scheme perpetrated by MERS, its
Principals, and its Members, and to eliminate the rights, duties and obligations of any
and all Clerks that are Stewards of all Public Records for his or her County within
anyone State in the United States, who is responsible for recording all instruments
required or authorized by law to be recorded in each County of each State of the entire
United States.

The Public Recording system serves Two important purposes, as it pertains to Real
Property. First it provides a Mechanism by which Private lndividuals can put others on
Notice of their lnterest in a Particular Parcel of Property. Second, it Protects the Public
by providing a reliable Historical Record of Past and Current Ownership of all Real
Property in a given State. Historically, and In accordance with the majority of State
Laws, those possessing an Interest in Real Property would cause their lnterest to be
Recorded in the Official records in the County in which the Property was situated.
Despite this longstanding tradition, lhe Mortgage Bankers Association

( "MBA") - the

Greator of MERS and others in the Mortgage Lending lndustry was determined to
Sidestep and Refused to Comply with the Recording Laws by Physically Recording
lnterest in Real Property.

lnstead, to further their own purposes to the Detriment of the Public, the MBA and
Certain of its Members and Affiliates Established their own PRIVATE Electronic
Recording System at the Center this Private System is called MERS. MERS has no

power of authority to do this at all. The MBA just did it without any Legal Legislation
whatsoever. MERS is an lllegal Operation that is Hiding in Plain Sight from every
Citizen in the United States of America. lt is the Selling and Transaction of Mortgages
behind everyones back. lt is the Selling of something that they Do Not Own at all.

The MERS System was Created and Emerged by the Mortgage Bankers Association in
- 1990s, by which time the Aggregation of Mortgages and Mortgage
Servicing Rights had become Big Business in the United States. At that time all
Mortgage Servicing Companies sought to accumulate and Trade ever growing Numbers
of Mortgages, Packing them into Massive POOLS and Selling lnterests in the Pools to
lnvestors, which is known as Mortgage "Securitization".

the early mid

So who is MERS? The Bankers are aware of MERS. MERS holds approximately over
65 Million American Mortgages. MERS and is a Delaware Corporation known as
MERSCOPE, lnc.

MERS os Nothing more than a Name that is used on the Mortgages in Place of the
Actual Lender. MERS main Function is to Act as a DOCUMENT CUSTODIAN. Nothing
more. MersCorp was created by the Former C.E.O's of Fannie Mae, Freddie Mac, lndy
Mac, Country Wide, Stewart Title lnsurance and the American Land Title Association.
The Executives of these Companies Lined their Pockets with BILLIONS of DOLLARS of
UNEARNED BONUSES and FREE STOCK by creating Mortgage Backed Securities
using BOGUS MORTGAGE LOANS to UNQUALIFIED BORROWERS thereby Creating
a Huge FALSE DEMAND for Residential Homes and thereby Falsely lnflating the Value
of those Homes. The MERS Paperless System is a Crooked Rip-Off Scheme that is
been seen for Generations past in Crooked Financial Schemes.

The MERS Criminal Enterprise has Created the lnevitable Collapse of all the Crooked
Mortgage Swindles that have led to Disastrous Repercussions. MERS DOES NOT
HOLD ANY Promissory Notes of any kind anywhere. A Party must have Possession of
a Promissory Note in Order to have Standing to Enforce and or otherwise Collect a Debt
that is owned to another Party. MERS DOES NOT HAVE LEGAL STANDING to
Enforce or Collect on the over 60 Million Mortgages it Controls and NO MEMBER of
MERS has any Standing in an American Civil Court.
The American Media has Reported an ldentified MERS as a Mortgage Lender, Creditor
and a Mortgage Company. This is a Lie. MERS is nothing more than a Name on a
Piece of Paper that it is Printed on. MERS is a Name that is Put on Mortgages to give
the False lmpression that they (MERS) has some sort of Legal Status, in the Matter

of a Loan Made made by a Completely different and almost always a totally unknown
entity. A Fairy Tale, is more Valuable than what MERS Tells You. In other words MERS
is full
DO NOT Fall for a LIE! WHEN THE PROMISSORY NOTE lS LOST,
MISSING or STOLEN, MERS is NOT the HOLDER.
ln Order for MERS to Aggregate Loans into Pools and Mortgage Servicing Rights into
Large Portfolios, Promissory Notes and Mortgages it had to be Assigned from a
Multitude of Smaller Mortgage Lenders to Large National Banks and Servicing
Organizations.

BS!

To Understand this, is to note that the Assignment of Mortgage Loans entails certain
costs. One such cost is the Payment of Fees to Governmental lnstitutions which
Record and Keep Public Records in each State of the United States. The MBA and
Several Large Financial lnstitutions desired to "Streamline" the Assignment of
Residential Mortgages and Mortgage Servicing Rights by and between Mortgage
Lenders, Services, Securitizers and others in the lndustry. To reduce the Costs
Associated with such Assignments and by Circumventing the Public Recording
Altogether. MERS now became the vehicle in which they sought to accomplish this
Scheme. ln other words they (MERS) Cut out all Public Recording and instead used a
Data System for their own Purposes.

The MERS system now can avoid all the Recordation Requirement, and
Accompanying Fees, and in doing so Deprives the Clerks of the Courts of
Recording Fees to which they are Entitled and the Public of its ability to
TRUE MORTGAGEE or Mortgaged Property.

the
the
ldentify the

MERS and the Private Recording System is Listed as the "Mortgagee" on Millions of
Loans throughout the United States. However, MERS DOES NOT ORIGINATE any
Loans, Lend any Money or Own or Hold any Promissory Notes. MERS acts as a
straw man or a placeholder in the Public Records by allowing the True, Beneficial
Owner of a Loan to REMAIN ANONYMOUS and to be CHANGED AT WILL "Without
Notice" to the Public and Without Recording an Assignment in the Official Records or
Paying the Fees Associated therewith. MER'S Deceptive Business practice is best
Summarized on its application to all of its potential members, which is available on its
website. www.mersinc.org, They state:

MERS saves time lenders time and moneJr, and reduces paperwork, by eliminating the
need to prepare and record assignments when trading loans. Borrowers name MERS
as mortgagee and nominee for the lender on deeds of trust and mortgages that are
recorded in the counV land records. Lenders then register the loans on the MERS
the life of the loan

Despite MER's assertions to the contrary Borrowers took no action "to name MERS as
Mortgagee and Nominee" This entire process is driven entirely by MERS as a GOST
SAVING Mechanism to facilitate MER's efforts to permit its Members to Assign that is
(often repeated) their interests promissory notes among MERS Members on Private
System without signing the Mortgage on any Clerks'of the Court Recording System.
This effort to Disconnect the Debt of (the Note) from the Collateral (the Mortgage) lo
Save on Recording Cosfs is at the Heart of this UnlaMul Scheme that is MERS.

Mortgage Lenders, Banks and other Members of the Finance Industry Pay Fees to
become a MERS Member. As a Member they can utilize its System for the Electronic
Tracking of Transfers of Mortgages and Mortgage Serving Rights. When a MERS
Member originates a Mortgage Loan, the Loan is REGISTERED with a MERS and is
ASSIGNED a MORTGAGE IDENTIFICATION NUMBER or MIN NuMbEr. ThiS NUMbET
is 18 Digits in Length. This is the MERS SECRET! lt tells you Who. What. Why Where
and When. This is the Milestone or the Trail of all Transactions. While the true Lender
is the Obligee on the Promissory Note, MERS is Listed as the "Mortgagee" on the
Mortgage.

ln this manner, MERS SEPARATES the Promissory Note Evidencing the Debt from the
Mortgage that is Collateral of Security for the Note. Now the Lender takes Possession
of the Note, and Holds the Note, which is then Assigned Multiple Times through Multiple
Note Owners, white MERS is Listed as the "Mortgagee" on the Mortgage Recorded in
the Official Records in the County where the Land is Located. MERS and its Members
refer such Loans as "MERS on Mortgage" or "MOM" Loans.
Prior to the Formation of MERS, the ASSIGNEE of the Mortgage would Record the
Assignment in the Public Records (or risk losing its Lien Property) each time a Mortgage
was Assigned. Now, when a MOM Loan is Assigned from the Originator to another
MERS MEMBER, No Assignment is Recorded because the purported "Mortgagee" has
not changed. lnstead, A Notation is made Somewhere in the MERS's PRIVATE FILES
which Effectuates the Transfer of the Mortgage from one MERS Member to Another.
Onty when a MERS Member Transfers its lnterest to a NON-MEMBER or when a
MERS Member wishes to FORECLOSE a Mortgage is a TRUE ASSIGNMENT ever
Created or Recorded.

MERS

is Designed Specifically to Avoid Paying Public Recording Fees. MERS

Estimates that it Saves an Average of $30.00 per Assignment Costs per Loan. MERS
also Estimates that Each Loan on its System has been Transferred only Twice, as of
2009, MERS Saved its Members at the Tlme an Estimated $2.4 BILLION in Recording
Expenses. lf more than one transfer of a Note was done the actual amount of the
avoided Recording Fees would be Multiplied of this number. The Savings would
normally be Paid to the Public Officials that are responsible for Maintaining the Public
Records in Each County, Each State and the entire United States.

The MERS Recording System is Unlawfully Competing and lnterfering with all Public
Recording Systems. This Greed for Power and Money is Monstrous. MERS has
Privatized the Recording of all Mortgage Assignments in the United States. MERS has
more than 65 MILLION MORTGAGES that are Registered since 1997. Prior to 1997, a
Mortgage Assignment would be Recorded in all Official Records by Clerks of all Circuit
Courts having the Jurisdiction over Encumbered Property and could be Viewed by the
Public FREE of CHARGE. MERS now Records Mortgage Assignments in it own
PRIVATE RECORDING SYSTEM to which only MERS and its PAYING MEMBERS
havo aeeess.

ln other words this is a total Fraud and a Scam that is a an Organized lllegal Enterprise
of the worst kind. The MERS Mortgage Electronic Recording system is a Private
Recording System that Violates all Laws to Protect the American Public. Not only that,
MERS has complete disregard of the Clerks of all Circuit Courts who are the Recorder
of all lnstruments that He or She may be Required or Authorized by Law to Record in
the County where He or She is the Clerk.

All Instruments that are Recorded in the Official Records by the Clerks of the Circuit
Courts that have the Jurisdiction over the Encumbered Properties that can be viewed by
the Public FREE of CHARGE. MERS Records Mortgage Assignments in its own
Private System to which only MERS and its Paying Members have Access.

There has Never been any Legislation Passed to Authorize MERS to do this. What
MERS has done is create an Organized Crime Operation of the worst kind in the History
of the United States. MERS and its Members should be Criminally Prosecuted and sent
to Prison. The Monetary Damages and lnjury to People and to the United States is an
act of a Crime against the American People.
MERS and its Members have Avoided Paying Millions upon Millions of Dollars in
Recording Fees through the use of the MERS artifice while at the same time Eroding
the Accuracy of our Official Records and the Public's Access to Correct and True
Information.

The MERS Recording System is a "Lie" that is premised on False and Misleading
Statements. The MERS System must Falsely Claim in order for it to Work to be a
"Mortgagee" on Millions of Mortgages Recorded in all Official Records in the United
States. However MERS lS NOT a MORTGAGEE. A Mortgagee is One to Whom
Property is Mortgaged. This is the Mortgage Creditor or Lender. ln other words, MERS
is NOT LOANING MONEY TO ANYONE. MERS Does not Lend Money or Finance the
Purchase of any Real Property. MERS Does not Own anything at all. This is a Scam
where they are like the "Flim Flam Man" that Sells something that they Do Not Own.
MERS does Not own any of the Mortgages at all.

MERS has conspired with its Members to Avoid Paying Recording fees. MERS has
made Negligent and Fraudulent Misrepresentations on all Documents Filed. Not only
that, MERS has No True Record and is mis-used by Predatory Lenders to Forge
Documents as way to seize Property from Homeowners. This is Theft by Paper
Forgery. The damages to the lndividual is Terrible. The expense and burden of
individual litigation makes it impossible to seek redress for the wrongs done to them.

The individual has His or Her Credit Destroyed by these Criminals that use the MERS
System for their own gain. The MERS Systems gives these Criminals a way to hide
behind the Lie of any Mortgage Loan. The Original lnformation of these Documents
are actually kept Secret because there is No Recorded Documents to what is Recorded
with MERS.

The Fact is, the Dirty Secret of MERS is a thing called the "MILESTONE". The
Milestone is the Track Record that is tied Into the 18 Digit MIN Number. This MIN
Number is the MERS ldentification Number. This number is on the site
www.Mersinc.org. The fact is that you will never know the true information as to the
Track Record. This information is kept Secret from the Average Person.

The MIN Number has 18 Digits. The First 7 Numbers are usually the Party that
Generated the MlN. The Second 10 Numbers is Either a LOAN Number or a
Sequential Number. lt is up to the MEMBER to DECIDE what that Generates the MIN
and what they are.

The Horrifying thing about MERS is that they DO NOT HAVE any Employees. MER
has not had any Employees within the last 5 Years. According to MERS they have
approximately Thousands of Assistant Secretaries and all of these Officers are Unpaid.
Not only that there is no Live Person who is an Employee of MERS that they Report to.
However, on January 1, 1999 a Certificate of Corporation was Filed within the State of
Delaware as a Corporation. This was done to Change the Name from Mortgage
Electronic Registration Systems, Inc. to Merscope, Inc. This was done by and ln
Witness thereof, by the Vice President William C. Hultman. lt was done on the 30th Day
of December, 1998. MERS was Recorded on May 8, 2003 Authenticated by Edward J.
Freel, Secretary of State, Dated: January 5, 1999.

The Filing was NEW and was a Change of Name known as Mortgage Electronic
Registration Systems, lnc. The Fee Amount of $40.00 with no additionalAuthorization

to additional Fees. lt was Paid by a Deposit Account Number of : 19-565. The Receiving
Party is MERSCOPE, Inc and the Address is 1595 Spring Hil! Road, Suite 310, Vienna,
Virginia 22182 as a Corporation.

The Commissioner of Patents and Trademarks Recorded a Number ot:-102446167 on

as stated May 13, 2003.
The States in the United States have Filed Law Suits against MERS. The are as
Follows:

BAIN vs MERS Washington Supreme Court: MRS CAN NOT BE BENEFICIARY IN

WASHINGTON STATE.
NIDAY vs GMAC MERS, Oregon Appeals Court "Non Judicial Foreclosures. Oregon
Trust Deed Act in that MRS has No Eight to be Beneficiary.
MERS Rico Complaint vs MERSCORP Shareholders.
Guilford County, NC vs MERSCOR| JP Morgan Bank, N.A. Bank of America,
Wells Fargo Bank.
State of Delaware vs MERSCOPE.
Commonwealth of Massachusefts vsMERS on behalf of 67 Counties to Recover
Recording "MERS" Fees Lost to Wall Street.
Jim Fuller Clerk of the County Court vs MERS.
Christian County, Washington, Kentucky vs MERS.
Complaint by Curtis Hertel, Nancy Hutchins, Reg of Deeds vs MERS
DE Aftorney General Beau Biden Sues MES for Violating Delaware Law.
Montgomery County, PA Recorder of Deeds Nancy Becker File ed Lawsuit against
MERS.
MERS Subpoenaed by New York Attorney General Eric Scheiderman.
Bexar County WillAsk, Texas Attorney General to lnvestigate Suing MERS.
Eric Holder, Covington & Burlington and MERSCOPE.ET\c Holder was a Partner wiith
Covington & Burling up until 2009 when He became the US. Attorney General for the
Obama Adminstration. Covington & Burling had MERSCOPE as a Client.
What the Average Person has is a Computer Data System that is a Scam to Deal with.

What You have to do is. is to Send a Letter to the Court. Any Court. Request that the
Court by this Letter that the Numbers and Location and all Transactions have to be
Disclosed of Who they Sold to and or (Screwed), the Owner or who Assigned to and the
Rate of Travel. This is How You Can Find Out.
When You first look at the MERS Site, One will think this really good. The fact is, is that
MERS and all of its Members are all Hiding in Plain Sight running a Criminal Enterprise
Collectively together. This is how they have been getting away with committing of Fraud

against the American People by the use and application of an Organized Criminal
Operation. With the creation of MERS which originally may have made sense, it is
actually the Greed of Making Money by Stealing and to Cheat and Lie. This Criminal
Enterprise Called MERS may have appeared as a way to Streamline Notes and
Mortgages to do good is actually a Lie. MERS is a Free for all Way to Steal Money
without using a Gun. MERS is now a tie in to Forgery and Fraud Falsification of all
Mortgages.

What One Must Glearly Understand, is that with Original Documents You Have Proof of
Ownership. However, with MERS, all Predatory Lenders have and are making false
claims of ownership and literally liaking away from the True Owners their Ownership of
their Homes by Stealing their Propefi using False Documentation of which they hide
behind without having one Penny involved on their Part.

As a result, the Private Home Owner Gets Destroyed. MERS and its Members Get
away Scott Free by Taking your home. The Fact is, is that MERS has set up a
Competing, Private Recording System for Mortgage Assignments of Documents the is
aiding and Encouraging Mortgage Lenders to utilize its Private MERS System in lieu of
Recording Assignments of Mortgages and other Documents in the Official Records of
Each County of Each State and thru out the Entire United States.

MERS has over 5,000 Members and Growing which all of the Members utilize its
Private Recording System. The Largest Financial lnstitutions and Mortgage Lenders by
their virtue of their combination, MERS and its Members have a Peculiar Power of
Coercion over the Real Property Finance lndustry including over borrowers and
Recorders of Public Documents, which neither MERS nor any of it s Members would
have acting alone.

MERS and its Members have exercised their aggregate coercive powers to Require
Borrowers to Execute Mortgages naming MERS as the "Mortgagee." MERS and its
Members have further conspired and Agreed to FAIL and REFUSE to RECORD
ASSIGNMENTS of such Mortgages between them. What MERS did and its Members
was and is to Conspire and to be Agreed to Record Assignments of Mortgages using
the MERS's Private Recording System.
ln order to Avoid Statutory Recording Fees, MERS and its Members agreed to and did
in fact establish and the MERS system, rather than the Public Recording System for the
Recordation and Transfer of Mortgage Assignments and other Documents.

The Key here, is that it is a clear and separate division between Honesty and
Dishonesty. The Honest Person is like an Honest Company or Business. An Honest

Business is always a Legitimate, Truthful, Fair and Straightforward in Conduct. Honesty

behaves with lntegrity that stays away from fraud or deception. Honesty is Clear and
Truthful.

Dishonesty is to Mislead. MERS is designed to defraud, deceive, betray, forge, lie,

embezzle, steal. MERS has Created a way to cause people to be unaware of their
deceitful inclinations. MERS are People that all have the same Profile. There is Vane,
Steal Material Wealth. lt is Mixed and tied to and with Emotional lnstability and
Shrewdness. MERS is a Dishonest Organization that is very Secretive in Nature and
with Anti Social Attitudes.
The entire operation of MERS are a combined group of Persons that are Liars that can
Lie. There is an unwillingness from these kind of people to communicate in an Honest
way. lt is always covered by a thin layer of distraction. The Dishonesty of MERS Wears
Many Ditferent Masks. The People that are involved with MERS are lacking in Qualities
that are Good. MERS is a Culture of Corruption that Craves for Luxury and Power. It
us an obsession of Risk. Their Self Indulgence is excessive materialism and Ambition.
This Ambition to Acquire Wealth Leaves a Path of Destruction.

The Dishonesty within MERS includes Manipulation and Direct Deception against the
American Public with Broken Promises. There is Forgery Theft, Embezzlement, in
Government and in Business Banking. lnnocent Homeowners are Stalked by Predatory
Lenders who buy Notes for Pennies on the Dollar. The Unsuspecting Homeowner gets
a Foreclosure Notice in the Mail. To no Avail they stare at what they are led to believe is
there own Signature. When in fact it is a Fake Signature or Group of Signatures and
made up Paper work. The Paper work that is Created by MERS is an lllusion.

MERS has Routinely filed actions against Defaulting Mortgage Holders and
Representing themselves as the Owners of the Defaulted Mortgages but in fact it was
nothing more than a fabricated lie. Once the Courts discovered that MERS was only a
Front Organization they DID NOT HOLD any DEED nor could show who or what
Agency that might Hold the Note have been Routinely Denied in their attempts to Force
Foreclosure. Under Court Order, MERS could not Produce the ldentity of the Actual
Holder of the Notes or Notes. The so called MERS Officers are actually just Employees
of other Entities who are Servicing the Loans for the Actual Lenders.
The Fact is is that MERS HAS NO EMPLOYEES at
MERS is now widely
acknowledged by the Courts that MERS Does Not Have the Legal Right to Foreclose or
Collect a Debt that they Do Not Own that is Held by Someone else.

all.

The Collapse of the Housing Bubble all started with Country Wide Mortgage. The CEO

Angelo Mozilla at age 10 Started working in his Father's Butcher Shop, Located in the
Bronx. Angelo Mozilla Graduated from Fordham in 1960, ln 1960 Angelo Mozilla met

David

Loeb. ln 1968 Angelo Mozilla and David Loeb Created a New Mortgage

Company and named it Countrywide. Both of these two believed that the Company
shouid Specialize in the Effort to Lower the Barrier for Minorities and Others who had
been Denied or Excluded from Homeownership. By 1996, Countrywide Created a new
Subsidiary for SUBPRIME LOANS.
Countrywide Marketed a Standard Procedure that was to openly Solicit to Persons that
either had NO CREDIT or COULD NOT GET CREDII and by the use of FALSE
CREDIT REPORTS that was Drawn up by their Own Offices would arrange Mortgages
that were worthless to Investors. The new Home Owners could barely Pay the
Minimum lnterest Only Payments and when the Mortgage Payments were Increased
and Could Not be Paid, Default and Repossessions took Place.
Countrywide would then take these Mortgages and Sold them to Lower Tier Banks
which in turn put these bad Mortgages into Packages and Sold them to the Large
American Banks. These "Bundled Mortgages" were very Quickly Sold by these Large
Banks to many Foreign lnvestors. Countrywide had Created Subprime Loans or Sub
Standard Bad Loans. By 2003, Countrywide was expected to write $400 BILLION in
Home Loans and Earn $1.9 BILLION. CEO Angelo Mozilla received $33 MILLION in
Compensation. Countrywide became the Biggest Supplier of Mortgages. The Banks
used this to Create Lucrative Mortgage backed Securities and Collateralized Debt
Obligations. The Growth of Countrywide was Amazing. Countrywide achieved a
Market Share of 4A"/". This was the Highest ever.
However, by August of 2007 the American Bankers cut off all Short Term Funding to
Countrywide. the reason is that it was obvious that Countrywide had Created
Misleading Credit lnformation, False Appraisals, and then Realized that all of these
Mortgagei were all Bad Loans. Within a Few Short Months Countrywide was Faced
with Lomplete Bankruptcy or Sell Out to the Best Bidder. In January of 2008, Bank of
America Bought Countrywide for a Fraction of what Countrywide was worth. There
were more thin One Hundred Civil Law Suits and now Gountrywide was under Criminal
lnvestigation. On JUne 4th, 2OO7 the S.E.C. Charged in a Civil Suit with Securities
Fraud Lnd lnsider Trading, Malfeasance and Greed. Countrywide had Created Bad
Credit Risks that were used to Create and Sell "Crap" Mortgages on American Homes
that were totally Worthless. By Grouping all of this Together and Selling them Abroad,
all of the Banks made Huge Profits. When all of this came to a Screeching Halt there
WeTe TWO MAJOR GROUPS HOLDING THE FINANCIAL BAG OF BAD LOANS.
10

The First Group was the lnvestors. The Second Group were not those with Weak
Credit, but those that had Excellent Credit and who were able. and willinSto Pay off
their Mortgages. The Bad thing is, NO ONE KNOWS WHO OWNS THE TITLE to any
Home in Order to Foreclose. When a Legitimate Mortgage Holder Finally does Pay off
His or Her Mortgage, or Tries to Sell the House, a Clear Title to said House or Property
CANNOT EVER BE FOUND. The lnnocent Mortgage Payer CAN NEVER EVER OWN
OR SELL HIS OR HER HOUSE. This is a Monstrous Economic Time Bomb that is right
ready to Explode.

The Disaster is that these Criminals have Created what is beyond your

Worst

Nightmare. lt is the Destruction of the United States. The People that did this belong in
Jail and should be Stripped of all Monies and Assets and Have NOTHING of which to
Live on or Survive on. What these Monsters have done is to not just Destroy a Person
or Persons but they have and are Destroying an entire Country as We know it. This is
Unforgivable and it must be Taken on with Outrage against the Banks lnvolved and the
Predator Lending Agencies, and Collection Mob Tactics.
The Crooked Lawyers that Represent such Evil are a Disgrace unto themselves. There
must be an Elimination any Government Agency and any Judge or Person that Justify
this kind of Evil Madness. This is the worst kind of Crime against the American People
and it should not be Tolerated at all. This kind of Organized CriminalActivity has and is
Existing in Plain Sight. lt must be Stopped Now.

The Basic Structure of MERS is that they were lncorporated in the State of Delaware,
and total Number of Shares of Common Stock is 1,000 Shares. MERS is wholly Owned
by MERSGorp, lnc. and the Place of Business is located at 1595 Spring Hill Road, Suite
310, Vienna, Virginia 22182. MERS National Data Center is located in Plano, Texas.
MERS Serves as a "Nominee" of Mortgages and Deeds of Trust that are Recorded in all
50 States. There are over 65 MILLION Loans as of Sept 1 , 2O1O that Registered in the
MERS System.

The Operation of MERS: DOES NOT Take Applications, Underwrite or Negotiate

Mortgage Loans or make or Originate Mortgage Loans to any Consumers. MERS Does
not extend Credit, has No Role on the Origination or Original funding of any Mortgages,
Deeds of Trust, for which it Serves as "Nominee". MERS Does Not Sell Mortgage
Loans nor are they an lnvestor who Acquires Mortgage Loans on a Secondary Market.

MERS Does Not Receive or Process any Mortgage Applications at all. All that MERS
Does is to HOLD MORTGAGE LIENS in a NOMINEE CAPACITY and through its
Electronic Registry Tracks the Changes in the OWNERSHIP of the Mortgage Loans
and Servicing Rights RElated thereto. MERS lS NOT A VEHICLE for Creating or
Transferring Beneficial Interests in Mortgage Loans. The MERS Accounting of
11

Mortgage lndebtedness is that MERS is not at Risk. MERS is not entitled to receive
any Payments associated with any of the Mortgages. MERS is NOT Entitled to lnterest
Revenue. However, MERS does Hold the Mortgage Lien as Nominee for the Owner of
the Promissory Note. As a Nominee for Lenders MERS acquires LegalTitle to the Deed
of Trust or Mortgage that Secures the Loan and simply Holds Legal title. ln Effect
MERS lmmobilizes the Mortgage Lien while Transfers of the Promissory Notes and
Servicing Rights continue to occur.

ln other words the Mortgage Lien becomes Stagnant by MERS continuing to hold the
Mortgage Lien when the Note is Sold from one lnvestor to Another via an Endorsement
and Delivery of the Note or the Transfer of Servicing Rights from one MERS Member to
Another Member and a Purchase is made and a Sale Agreement which is a NonRecordable Contract Right. The Legal Tltle to the Mortgage or Deed of Trust remains in
MERS after such Transfers and is Tracked by MERS in its Electronic Registry.
MERS is NEVER the Holder nor a Custodian and does not even maintain Copies.
When a Promissory Note is Placed in the Hands of a Servicer Employee who is also a
MERS Officer, MERS asserts that this Transfer of Custody into the Hands of this
Nominal Officer without any Transfer of Ownership or Beneficial lnterest renders MERS
the Holder. MERS has no Actual Authority to Control the Foreclosure or the Legal
Actions undertaken in its Name. MERS will never willingly reveal the ldentity of the
Owner, nor will it reveal the identity of any Prior Holders of the Promissory Note
UNLESS ORDERED TO DO SO BY THE COURT.
As before mentioned, MERS Does Not Service, Own, Collect, Hold Escrows for Taxes
and Insurance, and Does Not Provide Servicing Functions on Mortgage Loans,
Whatsoever.

This part is Very lmportant: MERS' Members Employ and Pay Attorneys Bringing
Foreclosure Actions in MERS' Name. ln other words, These Attorneys are
Representing Something that is NOT OWNED by MERS.

Getting Access to MERS Control over Records or Documents. MERS has Never
Maintained Archival Copies of any Mortgage Application for which it Serves as
"Nominee". ln its Regular course of Business MERS as a Corporation DOES NOT
Maintain any Physical Possession or Custody of Promissory Notes, Deeds of Trust or
other Mortgage Security lnstruments on behalf of its Principals.
MERS as a Corporation has NO ARCHIVE REPOSITORY of the Promissory Notes
Secured by Deeds of Trust or other Mortgage Security lnstruments for which it
Serves as Nominee. There are NO Copies of any kind that is attached to MERS
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Petitions or Complaints so Not to come from MERS, but rather the Registration
lnformation for such Mortgages are Entered by the "MEMBER" MORTGAGE
LENDERS, lnvestors, Servicers Originating, Purchasing, and or Selling such Mortgages
or Mortgage Servicing Rights.
This should Give You a Good Start for those that are faced with a Foreclosure. MERS
has and is Asserting FALSE Claim of Ownership when they are Not. MERS
Ownership of any Mortgage which can only be Determined by the Chain of Custody of
the Promissory Note. When the Promissory Note is Lost,-.Stolen or Missing, MERS
is NOT the HOLDER.
On the website www.MERSINC.ORG MERS States in their FAQ Section.
Hiding in Plain Sight. This is where they Trick You at Closing.
Very Few People notice this:

How Does MERS become a Mortgagee or Beneficiary? There are TWO Ways.
Pay Attention: Here it is:

At CLOSING

the

BORROWER

and LENDER Both Agree to Standard

Lansuase in the SECURITY INSTRUMENT MAKING MERS the ORIGINAL

MORTGAGEE or BENEFIGIARY with the RIGHT to ACT on BEHALF of the
LENDER and its SUCCESSORS and ASSIGNS.

(To Whomever they See Fit)

This is KEY

lf

MERS is NOT NAMED as the ORIGINAL MORTGAGEE ....

The LENDER CAN RECORD an ASSIGNMENT of the MORTGAGE to MERS

"ru'

ln other Words (after You are Gone and out the Door and Behind Your Back) even if you
DO NOTAGREE the LENDER can Assign the MORTGAGE to MERS .

What Does this Mean to You the Borrower? lt will Not Matter Whether You Agree or
Do Not Agree. When Borrowers Sign a Mortgage they GRANT and CONVEY a
LEGAL TITLE of the MORTGAGE to MERS and Giving the Company the RIGHT to
ACT on BEHALF of CURRENT and Subsequent Owners of the Loan.
ln other Words You End UpAgreeing to this without Realizing What Happened.
It was Hiding in Plain Sight. Not Realizing they just Signed Away Their House but
Get Stuck with Making the Payments.

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The Latest Scam that Predator Gollection Agencies and Collection Attorneys are now
using is what is called a Form Tltled: "Workable Solutions Financial Form"
The Example below is Taken from CitiMortgage, lnc. The Form is also being used this
the latest Tactic now being used. This has been transcribed from that form.

Acknowledg ment and Authorization

I certify that the financial information stated above is true, and is an accurate account of

my financial condition.

grant CitiMortgage, Inc. the authority to confirm

the

information I have disclosed in this financial statement and to verify that it is accurate.

consent for CitiMortgage, lnc., the lnvestor, and Mortgage lnsure lo engage in
discussions and negotiations with me or my designated representative regarding
foreclosure programs. I acknowledge that CitiMortgage, lnc. is under no obligationto
agrees to an alternative to foreclosure, the decision will be based on my financial
information, credit report, and payment history and ability to meet lnvestor / lnsurer
Loss Mitigation Requirements.

I agree that discussions and negotiations of a possible Workable Solution does not
constitute a waiver of a defense to GitiMortgage lnc.'s right to commence or
continue any foreclosure or other collection action.

Borrower Printed Name

Borrower Signature

Date

Co-Borrower Printed Name

Go-Borrower Signature

Date

ln Forensic Document Examination,You have to LOOK at Everything on a Document.

This includes Linguistics, Meaning Verbal Statements, Form Construction of a
Document, Digital Paste Ups, lnk Comparisons, Handwriting Comparisons, to a
Multitude of to expect anything. Now lets us break the overall statement down and how
it mis-leads the average person that is in Bold "ltalic" Underline.

The words and statements of Grant, Consent, Authority, Discussions and Negotiations,
my designated representative, foreclosure programs, no obligation, agrees, agree,
Workable Solution does not constitute a waiver of defense, right to commence or
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continue any foreclosure or other collection action. When You first look at the Form you
think Yes I will Sign it, because You are so over whelmed with Paper Work and very little
time to get it all together and Get it to them on time. About 10 Days.
As a result You end Up Signing a Form in that You Sign away all Your Rights to Defend
Yourself or to Hold them Liable for Damages. Before You Sign anything like this Be
sure to listen to a Good Competent Attorney that You Trust. This is only MY OPinion. I
myself would NOT Sign such a Form. Reason, it is a Scam!
This Article is an on Going Writing Project. lt is only Intended to give You some insight
into How Corrupt this entire Mortgage lndustry is and How it has evolved. The sad thing
is that No Politicians are even Talking about it is Scary. The article is not intended to go
give Legal Advice. Any Legal Advice should be consulted with an Attorney. This is
written from the viewpoint of Forensic Document Examination.

That being said, as a person who has this Article in their position, will be given updates
to add at No Cost.

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