Balancing the Scales of Justice for Pro Se Homeowners

Posts by Simonee

Bank of America ….the bank that lies built

Posted by on Jun 14, 2013 | 0 comments

Surely this little tune being “whistled” by Bank of America employees is familiar, if not tiresome.  Surely this not a surprise to anyone?  According to the article, published by by Yahoo Finance details how Bank of America “lied” to homeowners (a bank lie?) and “blitzed” modification applications to clear out backlogs so Bank of America could submit more lies to the government.   See Former Bank of America workers allege it lied to home owners

According to this article, six Bank of America employees have submitted affidavits, detailing how the Bank denied homeowners modifications and instead rewarded employees for pushing homeowners into foreclosure. A few excerpts:

For example, an employee who placed 10 or more accounts into foreclosure a month could get a $500 bonus. At the same time, the bank punished those who did not make the numbers or objected to its tactics with discipline, including firing.

The court documents paint a picture of customer service operations where managers roamed the floor with headsets, able to listen into any call without warning. Service representatives were told to lie to homeowners, telling them their paperwork and payments had not been received, when in reality they had.

The former employees said they were told to falsify electronic records and string homeowners along in foreclosure as long as possible. The problem was exacerbated because the bank did not have enough employees handling modifications, adding to the  backlog of cases purged during the “blitz” operations.

As pleased as I am to hear that more and more honest American’s working for these vile institutions are starting to talk, I am disgusted that there is not more outrage and that each of us, individually, still must fight the judicial bias that gives any presumption of honesty or credibility to national banks.  While Bank of America victims can hopefully gather some hope from this revelation, we all know this is a standard operational procedure of organizations like Wells Fargo, N.A., JP Morgan Chase, Ally Bank/GMAC, as well as the smaller players like Ocwen, Greentree, Suntrust, etc.

Following are several different reports – I am looking for the actual case these affidavits were filed in and to see if I can get the affidavits.  If I do, will send this on to each of you so you can forward them out to anyone and everyone who has an invested interested in shoving this garbage right into Bank of America’s face and pocketbook.

ProPublica:  Bank of America Lied to Homeowners and Rewarded Foreclosures, Former Employees Say

Business Insider: Former Workers Allege Bank Of America Lied To Home Owners And Rewarded Employees Who Foreclosed On Homes

More to come….



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Posted by on May 20, 2013 | 1 comment

Both attorneys and pro se’s are getting traction in fighting the banks by leveraging the new California Bill of Rights that went into effect on January 1, 2013.  And….the bank’s whining has already started.  This a powerful tool, and when the bank’s start crying because it disadvantages them, then you know there is some bite to the bill.

 Homeowners Leverage HOBR to get Trustee Sale Cancelled or PostPoned

In February this Los Angeles homeowner received a Notice of Trustee Sale, in a panic she called to see if there was any research that Info To Fight Foreclosure had to help her.   So we crafted a Cease and Desist letter (Trustee’s are now liable for up to $50,000 for conducting the trustee sale in violation of HOBR) that the homeowner tweaked and over-nighted to the Trustee.  Two weeks letter the Trustee informed the homeowner the sale had been postponed from the end of March to the end of April; a week later the homeowner was informed the bank had called and “cancelled” the sale.  Trustee Sale Letter 1 -Redacted.

Karan, concurrently with filing the cease and desist letter filed a complaint, alleging violations of the National Mortgage Settlement and the HOBR.   Let’s see where this goes.

Last week another homeowner, Sarah, called.  Her Trustee Sale was scheduled for today, Monday, May 20th.  We quickly reviewed her  documents, drafted a cease and desist letter, and she overnighted the letter to Ocwen (servicer) and Western Progressive (Trustee).  The letter was sent on Wednesday, received on Thursday.  At 8:30am this morning she was informed the sale has been postponed.  Trustee Sale Letter 2 – Redacted.

Her next step is to send a pre litigation letter, highlighting the violations of law and offering a settlement.   We will let you know where this goes!

Make Sure Your Cease and Desist Letter Highlights the FACTS

As you can see, each Cease and Desist letter is slightly different; and this is important. In order to make sure the letter is acted upon it is important you understand what portions of the HOBR applies to your situation and re-iterate those issues in  the letter.  In Karan’s case, she is being dual tracked; in Sarah’s case the documents recorded in the official land records are void on their face.

If you need assistance in a Trustee Cease and Desist Letter and/or a Pre Litigation Letter, contact Info To Fight Foreclosure!



No one can tell the story like Naked Capitalism and they do, recounting the man’s crying and boo hooing that the California Legislative has enacted a bill preventing the bank’s illegal/unsafe and unsound business practices.  Come on..all  together……. ooohhhh…poor babies.


Naked Capitalism continues reporting in Quelle Surprise! Banks Whining About the Costs of Breaking New California Homeowner Bill of Rights

If you haven’t investigated the Homeowner Bill of Rights now is the time to do so!  Gold & Hammes, a California Based Consumer Bankruptcy attorneys provides a nice overview here.





LEGAL DISCLAIMER:    I am not an attorney and this is not legal advice.  This is for educational and informational purposes only. Take no action on this  Information without consulting an attorney in your jurisdiction

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Are Notary Journals being shredded by JP Morgan Chase and California Reconveyance?

Posted by on May 2, 2013 | 1 comment

Recently Info to Fight Foreclosure has started offering a service to track down the notary logs of notaries who are notarizing real property records such as Assignment of Deed of Trust and Substitution of Trustee.  We have just begun but the process has already proven to be one of intrigue which is showing signs of Chase’s continued use of unsafe and unsound practices in foreclosing on individuals homes.

Specifically, we were hired to track down the journal entries of two documents notarized by a Carlos Bernal, notarizing the infamous Deborah Brignac signatrues.  (Does anyone have an example of her real signature? There are so many variations out there it is hard to determine which one is actually hers).

Carlos Bernal’s commission expired on June 18, 2011.  As per California Statute, Gov. Code § 8209 he is required to turn his journal record book (log) into the County within 30 days of the expiration of his commission, if he does not renew.  In this case, he did not renew.  (I had another member reach out to a notary in Lousiana who worked for Chase, she said it is Chase’s policy to retain the notary logs.)

Our first call was to the Secretary of State to confirm the address he has on record – the Notary Public Department shows that his address is listed as “California Reconveyance at 9200 Oakdale Road, Chatsworth, California”.   The representative confirmed he had not renewed his commission.

The second call was to the Los Angeles County where I was directed to Andrea Reyes.  She checked her electronic records and did a manual check, there are no journal logs submitted by Carlos Bernal.  Cost to get a “Certificate of Fact of Non Filing” is $27.00 and $5.00 for the search.

The third call was to California Recoveyance to ask for Carlos Bernal.  He is no longer employed by California Reconveyance but is still employed by Chase.  However, she stated she could not tell me where he worked or how to contact him. (Really? Read further and you will understand why I question her honesty).

The fourth call  was to the New York office of JP Morgan Chase, in which I let the receptionist know I was trying to reach “Carlos Bernal” and could she please provide me with his direct line.  She not only gave me his direct line, but then she transferred me to him.

The fifth call was Carlos Bernal himself.  I let him know that I was seeking a photocopy of a couple of line item entries in his journal, but it appears he had not turned in his journals to the County as required.  He responded, “Oh, I think those were shredded”.   Of course my response was to inform him those are public records and he is required to turn those over to the state by submitting them to the County and is he sure they were shredded? He then started asking who I was, who I was affiliated with, and why did I want them.  I told him I am a member of the public interested in a copy of a couple of line items in his journal, which are public records.  I then asked him what his mailing address is so that I can send him a formal request for the copies, and he put me on hold.

When he returned he gave me the address of…ready?  9200 Oakdale Road, Chatsworth, California.  Hmmm…Chase and California Reconveyance sitting in an office,  S-T-E-A-L-I-N-G , first comes fraud, then comes theft.  (Sing to “sitting in a tree”)

Bernal’s commission expired on June 18, 2011.  He had until July 17, 2011 to turn over his logs to Los Angeles County.  So here are a couple of interesting Government Codes, which by the way, it appears the Statute of Limitations is four years from the act.

It is time we started going after EVERYONE in the chain of fraud, the Notary included.   We will keep you updated on our progress with getting the records from Bernal.  Wish us luck!

     Calif. Gov. Code § 8209.  (a) If any notary public resigns, is disqualified, removed from office, or allows his or her appointment to expire without obtaining reappointment within 30 days, all notarial records and papers shall be delivered within 30 days to the clerk of the county in which the notary public’s current official oath of office is on file. If the notary public willfully fails or refuses to deliver all notarial records and papers to the county clerk within 30 days, the person is guilty of a misdemeanor and shall be personally liable for damages to any person injured by that action or inaction.

   (b) In the case of the death of a notary public, the personal representative of the deceased shall promptly notify the Secretary of State of the death of the notary public and shall deliver all notarial records and papers of the deceased to the clerk of the county in which the notary public’s official oath of office is on file.

   (c) After 10 years from the date of deposit with the county clerk, if no request for, or reference to such records has been made, they may be destroyed upon order of court.

            Calif. Gov. Code § 8214.  For the official misconduct or neglect of a notary public, the notary public and the sureties on the notary public’s official bond are liable in a civil action to the persons injured thereby for all the damages sustained.

            Calif. Gov. Code § 8214.1.  The Secretary of State may refuse to appoint any person as notary public or may revoke or suspend the commission of any notary public upon any of the following grounds:

            (i) Commission of any act involving dishonesty, fraud, or deceit with the intent to             substantially benefit the notary public or another, or substantially injure another.

            Calif. Gov. Code § 8214.15.  (a) In addition to any commissioning or disciplinary sanction, a violation of subdivision (f), (i), (l), (m), or (p) of Section 8214.1 is punishable by a civil penalty not to exceed one thousand five hundred dollars ($1,500).

            Calif. Gov. Code § 8214.2.  (a) A notary public who knowingly and willfully with intent to defraud performs any notarial act in relation to a deed of trust on real property consisting of a single-family residence containing not more than four dwelling units, with knowledge that the deed of trust contains any false statements or is forged, in whole or in part, is guilty of a felony.

            (b) The penalty provided by this section is not an exclusive remedy and does not affect    any other relief or remedy provided by law.

            Calif. Gov. Code § 8214.4.  Notwithstanding this chapter or Chapter 5 (commencing with Section 11500) of Part 1 of Division 3, if the Secretary of State determines, after proceedings conducted in accordance with Chapter 5 (commencing with Section 11500) of Part 1 of Division 3, that any notary public has committed or omitted acts constituting grounds for suspension or revocation of a notary public’s commission, the resignation or expiration of the notary public’s commission shall not bar the Secretary of State from instituting or continuing an investigation or instituting disciplinary proceedings. Upon completion of the disciplinary proceedings, the Secretary of State shall enter an order finding the facts and stating the conclusion that the facts would or would not have constituted grounds for suspension or revocation of the commission if the commission had still been in effect.

             Calif. Gov. Code § 8221.  (a) If any person shall knowingly destroy, deface, or conceal any records or papers belonging to the office of a notary public, such person shall be guilty of a misdemeanor and be liable in a civil action for damages to any person injured as a result of such destruction, defacing, or concealment.

             (b) Notwithstanding any other limitation of time described in Section 802 of the Penal Code, or any other provision of law, prosecution for a violation of this offense shall be commenced within four years after discovery of the commission of the offense, or within four years after  the completion of the offense, whichever is later.

                (c) The penalty provided by this section is not an exclusive remedy and does not affect any  other relief or remedy provided by law.

             Calif. Gov. Code § 8227.3.  Any person who is not a duly commissioned, qualified, and acting notary public who does any of the acts prohibited by Section 8227.1 in relation to any document or instrument affecting title to, placing an encumbrance on, or placing an interest  secured by a  mortgage or deed of trust on, real property consisting of a single-family residence containing not more than four dwelling units, is guilty of a felony.

It is time to start going after everyone in the chain of fraud, including the notaries.




LEGAL DISCLAIMER:    I am not an attorney and this is not legal advice. This is for educational and informational purposes only. Take no action on this  Information without consulting an attorney in your jurisdiction

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Posted by on Apr 30, 2013 | 0 comments

It is official, we are no longer wingnuts relying on wild internet theories that the Banks are corrupt and stealing our homes through the use of invalid documents.   NBC Channel’s “The Investigative Unit” has tapped into the foreclosure shenigans and has put together a really great set of stories and video’s documenting and explaining the ongoing fraud by the big banks in foreclosing on homes in the San Francisco Bay area.

For those of you who tend to ignore main stream media because of their typical bank spin, this group’s motto is “The Unit is dedicated to uncovering the truth, holding the powerful accountable and making the Bay Area a better place to live.”   Here here!  Bravo NBC for investing the resources to bring this very serious issue into the “light”.

So when your friends or family tell you (or look at you), you are crazy, point them here.  The truth cannot be ignored.




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Posted by on Apr 17, 2013 | 0 comments

While reading Livinglies today I noticed a posting  “E. ToLLe”… in which he repeats a recommendation from Stop Foreclosure Fraud –

            For those homeowners who received a check for the OCC/Fed consent order with the big banks: I request that each and every one of us call the General Counsel’s  phone number (202-649-5400) and tell them that FAR MORE IMPORTANT to you would be a certified letter from the OCC stating what federal and state laws were broken by your servicer and therefore the reason you were provided the check in the first place. Please help start this chain of requests.


Neither the Department of Justice (National Mortgage Settlement) Agreement or OCC’s settlement stops our private right of action against these thieves.  If they are unwilling to send you a letter explaining how they arrived at your “settlement” amount by explaining which laws were broken and therefore, entitled you to the relief, then subpoena the damn records.  The payment says you qualified, now find out why.






LEGAL DISCLAIMER:    I am not an attorney and this is not legal advice.  This is for educational and informational purposes only. Take no action on this  Information without consulting an attorney in your jurisdiction


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