Video: Troubling foreclosure numbers

updated 9/6/2007 8:30:47 PM ET 2007-09-07T00:30:47

What happens when a lender can't produce the original note?
Aug 17, 2009 . Loosing an original mortgage note is like loosing a $100 bill or a gift card or a . have the original note, because that note has been lost or destroyed. . Liane Jamason, REALTOR, CDPE serving St. Petersburg, FL (Smith . My reading is that this Strategy can not permanently remove a legitimate debt.
http://activerain.com/blogsview/1199543/what-happens-when-a-lender-can-t-produce-the-original-note-

Szymoniak Objection to Continued Use of Original Clerk Documents ...
Mar 28, 2012 . This is an action to foreclose a mortgage on a property owned by the Defendant. Lynn E. Szymoniak in Palm Beach Gardens, Florida. . The original promissory note was lost or destroyed subsequent to Plaintiff's acquisition . The allonge in blank must be permanently attached to the note in order for it to be .
http://www.scribd.com/webber3292/d/86988337-Szymoniak-Objection-to-Continued-Use-of-Original-Clerk-Documents-3-27-12

DEFENDANT'S FIRST REQUEST FOR ADMISSIONS (PROOF OF ...
RESPONSE: 7. The original mortgage note has not been lost or destroyed. . An allonge cannot be permanently affixed to a mortgage note by way of a paper .
http://www.foreclosureprose.com/storage/forms/Discovery-Admission.pdf

Mortgage note - Wikipedia, the free encyclopedia
Attorneys estimate that the documents belonging to as many as 50% of the mortgages made between 2001-2008 have been lost or destroyed, leading to .
http://en.wikipedia.org/wiki/Mortgage_note

Annoted Example of Asignment and Assumption Agreement
Destroyed Mortgage Note means a Mortgage Note the original of which was permanently lost or destroyed. The Company and RFC intend that . Florida. Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan. 494.0078 et seq. Effective .
http://livinglies.files.wordpress.com/2008/08/annoted-example-of-asignment-and-assumption-agreement.pdf

Florida Laws: FL Statutes - Title XXIII Chapter 319 Title Certificates ...
Mar 26, 2010 . (1) Each lien, mortgage, or encumbrance on a motor vehicle or mobile home . (1 ) If a certificate of title is lost or destroyed, application for a .
http://law.onecle.com/florida/motor-vehicles/chapter319.html

South Florida Foreclosure Archives: Miami Foreclosure Lawyer Blog
As our South Florida foreclosure defense attorneys understand it, Bank of . have received permanent modification through the program -- millions have applied. . keeping track of mortgage documents, many of which were lost or destroyed .
http://www.miamiforeclosurelawyerblog.com/south-florida-foreclosure/

Altered Documents by Akerman Senterfitt? | DEFENDANT ...
Mar 27, 2012 . The original promissory note was lost or destroyed subsequent to Plaintiff's . been stapled as a means to permanently attach the Allonge to the Note. . P.A., American Home Mortgage Servicing, Docx, LLC, Florida Default .
http://4closurefraud.org/2012/03/27/altered-documents-by-akerman-senterfitt-defendant-szymoniaks-objection-to-continued-use-of-original-court-documents-by-plaintiff/

2012 Florida Driver's Handbook
Under section 322.212 (5), Florida Statutes, it is a third degree felony to use a false or . the privilege of residing permanently in the United States and are issued . Deed, mortgage, monthly mortgage statement, mortgage payment booklet or . If your driver license is lost or stolen, apply for a replacement immediately.
http://www.floridasafety.org/Handbooks/Florida_Driver_Handbook.pdf

NO. THERE'S NO LIFE AT MERS
Sep 22, 2010 . Mortgage Electronic Registration Systems, Inc (MERS) has a very long history. . lost assignments actually stating, “the said mortgage was assigned to Mortgage . or destroyed before same could be placed of record with the Florida Land . leaders it is time to permanently switch MERS lifeless device off!
http://stopforeclosurefraud.com/2010/09/22/no-theres-no-life-at-mers/

No cause is permanently lost, even the worst causes
Apr 3, 2012 . The Argentine dictatorship destroyed itself; Margaret Thatcher rose from . No cause is ever permanently lost, including the worst causes.
http://www.ottawacitizen.com/opinion/columnists/cause+permanently+lost+even+worst+causes/6405064/story.html

The Florida Senate
Nov 2, 2011 . During the nation?s mortgage foreclosure crisis, Florida has sustained . A person who seeks to enforce a lost, destroyed, or stolen note must prove . (The 2002 amendment by the Permanent Editorial Board of the Uniform .
http://www.flsenate.gov/PublishedContent/Session/2012/InterimReports/2012-130ju.pdf

FAQ - Florida Division of Emergency Management
Apr 6, 2010 . Mortgage payment book or other mortgage documents (i.e. late payment . property loss going well beyond what FEMA grants are authorized to cover. . or is uninsured and has damages at the minor, major or destroyed level. . are lawful permanent residents (possessing an alien registration receipt card, .
http://www.floridadisaster.org/Recovery/IndividualAssistance/FAQ.html

what can I take from a foreclosed home? - Trulia Voices
Jun 15, 2008 . I lost my home because I defaulted on house payments. . The banks, do not even own the mortgages they are foreclosing on! . Mikehouse, Other/Just Looking in Cocoa Beach, FL . people learn and understand this they will continue to destroy our nation and the Americans who make up this country.
http://www.trulia.com/voices/Foreclosure/what_can_I_take_from_a_foreclosed_home_-41415

Wells Fargo Sued For Not Modifying Mortgages
Apr 16, 2010 . For a trial modification to become permanent, homeowners must make three . Wells Fargo Mortgage in South Florida/ 19 months of Hell and a call to my . Ilness and in bankruptcy from medical bills and loss of income of course I . me for two years now, my business is destroyed because of Wells Fargo.
http://www.jerebeasleyreport.com/2010/04/wells-fargo-sued-for-not-modifying-mortgages/

Chapter 319 - TITLE CERTIFICATES :: Florida MOTOR VEHICLES ...
2005 Florida Code - MOTOR VEHICLES TITLE CERTIFICATESChapter 319 . 319.29 Lost or destroyed certificates. . or mobile home sold, disposed of, mortgaged, or encumbered, unless evidenced by a certificate of title . assign and require the permanent affixation upon such mobile home of an identification number.
http://law.justia.com/codes/florida/2005/TitleXXIII/ch0319.html

Chapter 319, Florida Statutes 2009
319.29 Lost or destroyed certificates. . disposed of, mortgaged, or encumbered, unless evidenced by a certificate of title duly issued to that . assign and require the permanent affixation upon such mobile home of an identification number.
https://taxlaw.state.fl.us/2009%20Statute%20Chapters/Ch0319.HTM

Homeowners Insurance - How To Information | eHow.com
Can Homeowners Insurance Be Included in Your Mortgage? . homeowner's insurance to pay the loan off in the event your structure is destroyed due to fire, smoke, . However, the State of Florida and the federal government administer programs . Homeowners insurance protects a policyholder against loss in four ways.
http://www.ehow.com/homeowners-insurance/

MOTION FOR ENTRY OF ORDER PROHIBITING PLAINTIFF FROM ...
Oct 14, 2010 . and/or sale of.the subject alleged lost Note and Mortgage, causing further . EMC CANNOT SELL A NOTE AND MORTGAGE WHICH IS LOST OR DESTROYED . of Hialeah, Florida, an Appeal from the Circuit Court for Miami-Dade County, . non-existent, and permanently unverifiable alleged debt and .
http://mattweidnerlaw.com/blog/wp-content/uploads/2010/10/sternmotionforprotectiveorder.pdf

Records and Valuable Papers - EDIS - University of Florida
Other records need to be permanent such as ownership papers. . Records of outstanding debts, notes, or mortgages and names and addresses of lenders. . If a U.S. Savings Bond is lost, stolen or destroyed, report the loss immediately by .
http://edis.ifas.ufl.edu/he162

9 - Miami Foreclosure Lawyer Blog :: Published by Miami, Florida
Banks and mortgage companies have treated no one fairly throughout the process . with a qualifying income, he would be given a permanent modification . . in keeping track of mortgage documents, many of which were lost or destroyed as .
http://www.miamiforeclosurelawyerblog.com/?page=9

Paperwork Mess Aiding Strapped Homeowners - CBS News
Feb 19, 2009 . Some Homeowners Staving Off Foreclosure By Requesting Original Mortgage Note, Which Is Often Lost Or Destroyed.
http://www.cbsnews.com/2100-500395_162-4807671.html

Young and Upside Down on the Mortgage: What Would You Do?
Apr 30, 2009 . A 26-year old reader from Florida wrote me and said: . I would NOT walk away in your situation – you will destroy your credit . Get an accountant – claim the operating loss and mortgage interest deduction and it may not be too bad! . even swept away for many decades and maybe even permanently.
http://www.moneyunder30.com/young-upside-down-mortgage

Mortgage Settlement Leaves Some Foreclosure Victims Wanting
Feb 9, 2012 . That day, the Zapatas lost more than $100000 in mortgage payments. In the months . Florida was in the middle of an unmistakable real estate boom. . Adam Levin Adam Levin: Eastwood Meets West Wing: No Permanent Foreclosure Crisis? . Foreclosed Homes Destroyed By Previous Owners (VIDEO ) .
http://www.huffingtonpost.com/2012/02/09/mortgage-settlement-foreclosure-fraud-robosigning_n_1260495.html

Mers History, Depositons Case Laws
Tags: affidavits, assignment of mortgage, bifurcate, bill mccollum, brian . plantation florida 33324, lost assignment affidavit, mbs, MERS, mortgage . MERS has destroyed the public land records by breaking the chain of title to millions of homes. . President Obama and Congressional leaders it is time to permanently switch .
http://www.scribd.com/doc/37940327/Mers-History-Depositons-Case-Laws

Robo-Signing, Chain of Title, Loss Mitigation, and Other Issues in ...
and questions about the validity of transfers in private-label mortgage . if current trends continue, by year's end the number of active permanent HAMP . There is an exception, however, for lost, destroyed, or stolen notes, which . In Broward County, Florida alone, over 2000 such affidavits were filed in 2008-2009.52 .
http://scholarship.law.georgetown.edu/cgi/viewcontent.cgi?article=1110&context=cong

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    Divorce / Dissolution of Marriage :: Jacksonville Divorce Lawyer Blog
    Apr 20, 2012 . Why Do I Have to Provide Bank Statements in My Florida Divorce? . savings), retirement account information, mortgage documents, and the like. . then actually depletes the marital value of the home by destroying the property. . with pursuing the losing action can be held against the pursuing spouse.
    http://www.jacksonvilledivorcelawyerblog.com/divorce_dissolution_of_marriag/

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