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President Bush Addresses Real Estate and Mortgage Fraud

President George W. Bush issued the following statement today:

This administration will soon issue regulations that require mortgage brokers to fully disclose their fees and closing costs. We’re pursuing wrongdoing and fraud in the mortgage industry through the Department of Housing and Urban Development, the Department of Justice, the Federal Trade Commission, and other agencies. In other words, if you’ve been cheating somebody we’re going to find you and hold you to account. And we’ll continue to do our part to help improve all aspects of the mortgage marketplace that is really important to this economy of ours.

Bush’s statement, which was made while addressing the media on the larger issue of homeownership financing, is his first related to real estate and mortgage fraud that I could recall. The President, who was joined by Department of Housing and Urban Development Secretary Alfonso Jackson, and Henry Paulson Jr., Secretary of the Department of Treasury, also said:

Economic growth is healthy, and just yesterday we learned that our economy grew at a strong rate of 4 percent in the second quarter of this year. Wages are rising, unemployment is low, exports are up, and steady job creation continues.

And…

We [Bush, Jackson, and Paulson]… had a good discussion about the situation in America’s financial markets. … One area that has shown particular strain is the mortgage market, especially what’s known as the sub-prime sector of the mortgage market. This market has seen tremendous innovation in recent years, as new lending products make credit available to more people. For the most part, this has been a positive development, and the reason why is millions of families have taken out mortgages to buy their homes, and American homeownership is at a near all-time high.

Unfortunately, there’s also been some excesses in the lending industry. One of the most troubling developments has been the increase in adjustable rate mortgages that start out with a very low interest rate and then reset to a higher rate after a few years. This has led some homeowners to take out loans larger than they could afford based on overly optimistic assumptions about the future performance of the housing market. Others may have been confused by the terms of their loan, or misled by irresponsible lenders. Whatever the reason they chose this kind of mortgage, some borrowers are now unable to make their monthly payments, or facing foreclosure.

And…

The recent disturbances in the sub-prime mortgage industry are modest… But if you’re a family–if your family is one of those having trouble making the monthly payments–this problem doesn’t seem modest at all. I understand these concerns, and therefore, I’ve made this a top priority to help our homeowners navigate these financial challenges, so that many families as possible can stay in their homes. That’s what we’ve been working on, a plan to help homeowners.

And…

We’ve got a role, the government has got a role to play — but it is limited. A federal bailout of lenders would only encourage a recurrence of the problem. It’s not the government’s job to bail out speculators, or those who made the decision to buy a home they knew they could never afford.

And…

In the coming days, the FHA will launch a new program called FHA-Secure. This program will allow American homeowners who have got good credit history but cannot afford their current payments to refinance into FHA-insured mortgages.

And…

I’m going to work with Congress to temporarily reform a key housing provision of the federal tax code, which will make it easier for homeowners to refinance their mortgages during this time of market stress. Under current law, homeowners who are unable to meet their mortgage payments can face an unexpected tax bill. … I believe we need to change the code to make it easier for people to refinance their homes and stay in their homes. … I’ve called Senator Debbie Stabenow of Michigan and told her that she’s on to a good idea with the bill that she…submitted to the Senate. … With a few changes in the Senate version and the House version, this administration can support [the] bill.

Above, when Bush refers to U.S. Senator Stabenow’s bill, he’s talking about the Mortgage Relief Act. The Mortgage Relief Act, introduced in May of this year by Senator Stabenow, would change current law that forces individuals to pay an income tax when they have had a part of their mortgage loan forgiven or have been forced to foreclose because of their inability to pay their mortgage.

Finally, Bush had this to say about the nation’s extremely high rate of foreclosures:

My administration will launch a new foreclosure avoidance initiative to help struggling homeowners find a way to refinance. Secretary Jackson and Secretary Paulson are going to reach out to a wide variety of groups that offer foreclosure counseling and refinancing for American homeowners. These groups include community organizations like NeighborWorks and mortgage lenders and loan services, and the FHA, as well as government-sponsored enterprises like Fannie Mae and Freddie Mac. These organizations exist to help people refinance, and we expect them to do that.

The Bush administration is hopeful that the aforementioned steps will deliver help and hope to American families who need it. “We’ll help guard against future problems in the housing sector, President Bush said. “We’ll reaffirm the vital place of homeownership in our nation. When more families own their own homes, neighborhoods are more vibrant and communities are stronger, and more people have a stake in the future of this country.”

15 Comments

  1. Where was all this interest in catching the con artists years ago when consumer advocates, responsible professionals, and others predicted the current mess would result from these practices? It was not until banks and investors got burned that our govt took much interest. In fact, our govt was complicit in that it pushed for “the American Dream of Homeownership,” apparently at any price. As long as the price is paid by the little people that is. Some in the industry should go to jail. Some buyers should feel the painful consequences of bad decisions. But somewhere in all this mess are thousands of actual victims of fraud. Somehow any help for the economy, homeowners, or the industry, I fear is going to end up right in the pockets of the very scammers who created toxic loans and aggressively pushed them. As I’ve said before, the industry seems to feel it should hold consumers to a higher standard of financial knowledge than professionals should be held to. It’s time to call what the industry did a crime, and start putting some people in REAL jails, not club feds, and taking away their ability to keep doing the same con jobs. This con is costing all of us, including those who took no part in the housing mania.

    Comment by CS — August 31, 2007 @ 3:56 pm

  2. ::::Somehow any help for the economy, homeowners, or the industry, I fear is going to end up right in the pockets of the very scammers who created toxic loans and aggressively pushed them. As I’ve said before, the industry seems to feel it should hold consumers to a higher standard of financial knowledge than professionals should be held to. :::::CS

    Spot on, CS. Now that the profits have dried up for the scammers (since they’ve stripped all the equity to be found) they’re looking to the government for a handout.

    They belong in jail. Unfortuanately, you pegged them as con artists. My scammer has simply reinvented himself as a scam fighter and an “expert” on fraud in the industry. It disgusts me, and I will not rest until he rots in jail.

    I am a patient woman, thankfully.

    Comment by Dawn — August 31, 2007 @ 6:00 pm

  3. Amen Dawn and CS

    Comment by Bob — September 1, 2007 @ 8:19 pm

  4. The NMBA completed a study which states that non-owner occupied properties (Investments) account for upwards of 32% of Prime foreclosures! FreddieMac’s CEO made that very statement months ago when this bailout crap became public. Investors, the same ones who started crying foul over mortgage bonds, are the holders of no-doc and interest only loans. They aren’t called that filthy “Subprime” though they known to be far riskier. The rationale being that the properties would be flipped, Mr. Roberts, and for a inflated price to the Subprime borrower.Can a person of average means get such a mortgage? Heck NO! So keep the heat on the average homeowner and by all means, bail out those pathetic “Boomers” so that they can slip away without having to suffer! God forgive that should happen. Mr. Roberts, Do you, have you ever, answered a single question directed to you?

    Comment by Danielle Von Tungeln — September 4, 2007 @ 8:54 am

  5. Nick Dont waist any time make copys of everything you have save any envolopes and anything that you have on thge case.
    SEND it to the FBI. I should have done this myself but I thought I would get a Day in Court but that never happened so I have sent everything to the FBI. Also you might what to send copys to the licening board in your State.

    Comment by Bob — September 6, 2007 @ 7:20 am

  6. Question to Bob in the recent post: Have you ever heard anything from the FBI??? My issues started back in Dec 2005, and I actually went to the Downtown Detroit FBI office and filed a complaint about the mortgage scammers that scammed me. I followed up with a phone call to Claudia Link and her response to me was my “can’t do anything for you unless your homes are in foreclosure”. Well 1 1/2 years later and both my homes are in foreclosure and do you think she returns my calls — NO.

    Comment by DY — September 6, 2007 @ 11:02 am

  7. Not yet I know it takes time and I think it is bigger than they thought. I mean there are Judges involved and manipulation of the courts even mail fraud so I think it will be some time before they figure it out. The most important thing is proof if you have any documents any mailings they sent save all the envolopes anything that you have make copies so you always have a copy.
    send copys to the licening board in Michigan as a complaint on the company. Just one last thing becouse of the complexities of the case its hard for the State to see what this man has dome to me, it took me 10years and things I have learned on this post that what he did was wrong and how to prove it now that I understand it I just need to find someone to help.

    Comment by Bob — September 8, 2007 @ 8:38 am

  8. Great comments especially from Nick Ramirez. I have periphreal knowledge that Argent has a dreadful reputation for mortgage fraud, but my limited research so far has indicated AMC/Ameriquest and EMC and Bear Stearns are as fraudulent as anyone. Especially Bear Stearns who specializes in lies, stalling, fake documents, more lies, and Gestapo like collection tactics on the underprivileged, uneducated, minorities, and elderly. Bear Stearns is known as the Satan of mortgage fraud in America. But here’s a letter I just wrote to ACC/Ameriquest/AMC: Some claim they are the worst:
    – – – – – –
    Eileen Driscoll Rubens
    Senior Counsel
    ACC Capital Holdings Corporation
    100 Town & Country Road Suite 1200
    Orange CA 92868

    10-19-07

    Ms. Rubens sincere thanks for your Oct. 15, 2007 letter which I received today. That’s
    one step for credibility and valid communication efforts. I will give you credit for that
    if/when my lawsuit or class action against Ameriquest/AMC/ACC/Citigroup actually occurs. However you are in error if you believe there is a valid excuse for sending an incorrect
    “Interest Paid” 1098 form.

    1) The “error” was actually a criminal attempt by AMC to illegally defraud both me as well as EMC Mortgage Services of all people. It was perpetrated by AMC Assistant to the President James Brantley. It was hardly an “error” Ms. Rubens. It was a crime designed to benefit from a clerical error I had made on one of the many “Principal Only” checks I have sent in currently totaling about $40,000 in “principal only” payments. I inadvertently wrote “Interest Only” rather than “Principal Only” on a $1,000 check and AMC’s Brantley immediately seized upon the clerical error as a way to cheat both me and my wife as well as their long time partner in crime, EMC. He promptly “sold” our note to EMC, cheating both of us. Intentionally and by design I might add.

    2) Although the bogus 1098 form from AMC actually helps me, I cannot set an example to the people online I am posting advice to on how to handle fraud and suspense account illegal tactics by AMC/Ameriquest and Bear Stearns/EMC mortgage if I too become dishonest.

    3) Errors are easily reversible. If you don’t know that, you should know that Ms. Rubens. Why do you think $800 million in Bear Stearns assets were seized by Merrill Lynch? Why do you think Ameriquest/AMC Brantley et al were hit with an estimated $400,000,000 judgment? These are large reversals. This one is $1,000 but don’t think I won’t take action. Fedler made that mistake and look where he is right now.. This is a benchmark case here; I am posting the results online along with examples of mortgage fraud, deception, seemingly endless lies, and creative stalling tactics by the above mentioned firms.

    4) You are also grossly mistaken in your apparent belief that this adjustment has since occurred. It has not. That’s why Bear Stearns and specifically Greg Fedler are unable to supply any documentation of that adjustment Fedler claims was “already made.” It never occurred.

    5) That’s also why you ACC/Citigroup/AMC/Ameriquest as well as Town & Country also have no supporting documentation of the correction you seem to believe has already been made. It has been dealt word service by AMC and EMC and BSC, but nothing has been done. Except for yet another attempt at mortgage fraud by crediting the $1,000 on November 8, 2005 (Not even the correct date of May 3, 2005!!) then incredibly reversing out the same credit the same day. I can document what I say, you can’t Ms. Rubens. And that’s the DIFFERENCE. This is a final demand for a corrected 1098 from AMC. Just because AMC is bankrupt and defunct facing an avalanche of lawsuits and criminal charges, is no excuse for not at least correcting the paperwork, on the crime that AMC and James Brantley committed in May of 2005. There is no statute of limitations on fraud Ms. Rubens.

    Respectfully and thanks again for your professional courtesy,

    Ed Cage
    1804 Cross Bend, Plano Texas 75023
    ecagetx@tx.rr.com / (Phone number listed)
    PS: Ms. Rubens are you copying my correspondence to Citigroup as I requested?

    – – – – – -

    Comment by Ed Cage — October 19, 2007 @ 10:51 pm

  9. I have been a victom of this horrible thing. I was wondering if anyone had any info to help us from getting our house forclosed on. my husband works two jobs and i work three jobs and right now we are doing everything we can to keep our house. :( This has been a horrible past year for us and just wanted to know what to do. If someone will please send me any info on getting out or getting help from a company i would greatly appreciate it. thanks Kassie

    Comment by Kassie — April 7, 2008 @ 2:30 pm

  10. I hope god is with us , and thank all for the comments and support .I have done most of every thing 7 on your side did have a hand writing analyst determined the loan document were forged. Governor all of the Departments Corporation, Justices,Real Estate ,FTC Alameda District Attorneys office ,FBI, Police, Lawyers bankruptcy court that are to help. Well there helping the wrong ones. It all show all that been done is lost time giving all the kings time to move on in to bigger departments Think about it all about money we don’t have what it take we don’t. THESE KING DO POWER MONEY. This is a game and were not in it we are a joke look at what happening noting.I hope every one understand what I am trying to say because I don’t understand,
    I have prove it and do you think any one has call me back no. Pinnacle Financial has gone bankruptcy in May 2008 the broke licensed use and owner Ngo Huyen THU of Pinnacle withdrawal in late 2007.
    Selly Poe the one who help to defraud me also got a free card and so did cong Lee he said he the one who help never met him or talk to ever.and I am the only one list as the creditor for $10,000 can you believe they close down because me . AMC Argent sold my loan to CITI CR I have court date 11-5-2008 they file Notice of Motion and Motion FOR Judgment on Pleading Memorandum of Ponit and Authorities in Support Thereof 100% forgery and over charges so what are we to do well in inthe hands of the court .Thank you all and god be with us

    Nick Ramirez
    Alameda Ca

    Comment by nick — October 20, 2008 @ 12:34 am

  11. Ed Cage is a f-in lyer!

    Comment by Ameriquest — September 25, 2009 @ 1:00 pm

  12. FACT: Ed cage, astonishingly actually turned in MSF posts critical of mortgage servicers to the very scoundrels this forum attempts to expose!! In my case he actually included my name to more than one mortgage servicer.

    Comment by Ameriquest — September 25, 2009 @ 1:05 pm

  13. I need any suggestions about My Attorney she has not been right or fair
    Part one
    RE: RE: signature
    Friday, January 28, 2010 11:00 pM
    From:
    “Nick Ramirez”
    Add sender to Contacts
    To: My Attorney

    I spoke to you on the phone today about 3;00.pm requesting copies of the Motion for Summary Judgement filed by Argent, and Interrogatories and all Motion to Compel. I told you I need this ASAP so I can respond and file with the court on time you said that you will scanned them tontine that why I call you back to see if I can pick them up at your home. you are aware time is running out you have already put me were it can cost my case as my attorney you have made this case harder for me you have done noting you said you were going to do from the begging or the court told you to do and you have insult me from the begging and while I was working for you and to put these remarks about Debbie that had noting to do with any thing in this matter you were way out of line you should have known better as attorney that is unprofessional. It is now 10.00 pm.
    :
    Thursday, January 28, 2010 10:54 PM From: “Nick Ramirez” Add sender to Contacts To: ” My Attorney <
    I need you to send me copies of the Motion for Summary Judgement filed by Argent, and Interrogatories and all Motion to Compel. I need this ASAP. If you are not going to respond then I have to.
    Thank you
    The reason I am posting is because we have work so hard and so close and for my attorney to put me in the line fire is not right summing need to be done

    From: Nick Ramirez
    Subject: RE: signature

    Date: Tuesday, January 26, 2010, 11:13 PM
    My Attorney
    As I stated on the phone today, I would be willing to settle my case with Argent Mortgage Company, only if Argent agrees to the following terms.
    1. Argent must admit that my signature on the Deed of Trust, loan application and all loan documents pertaining to this loan is forged.
    2. That the Deed of Trust be considered void (not voidable) and invalid. (this is very important)
    3. Argent must refund to me all fees that I was charged in association with this loan including but not limited to the Pre-Payment Penalty with interest. Amount to be determined.
    4. Argent must pay all attorney fees associated with this case.
    You stated to me on the phone that by Argent admitting to the forgery, the Deed would be invalid, and whoever currently holds the note could not foreclose. My understanding is that only a judge can declare a Deed void. Please confirm this.
    I would prefer that we communicate via e-mail, so that I am clear on what we discussed and what I am agreeing to. Also, I am requesting that I be copied on any communications that you have with Argents attorneys.
    Thank you, Nick Ramirez
    From: Nick Ramirez
    Subject: RE: signature
    To: ” My Attorney
    Date: Tuesday, December 22, 2009, 6:24 AM
    To My Attorney
    I will not take the offer from Argent Attorney.
    Give me a call or email will be checking let no what next or if there any thing I can do for you
    Thanks for the advice and good job at the meeting.
    If I don’t hear from you before the end of the week hope you have a Merry Christmas
    Nick Ramirez

    1. nick, on January 28th, 2010 at 4:39 am Said:
    Mr. Garfield
    I need any suggestions My Attorney send this email today motion for summary judgment is scheduled for hearing on February 10, 2010.
    As I already informed you, I am unable to oppose the motion 1) the causes of action as plead while you were representing yourself have no merit,
    2.
    Now this because I didn’t let Argent go and take the $7000 they were willing to give that she said I can give to her.
    Note: Me and my girlfriend been fighting this case starting 2007 and file on time with the court and doing a good job going on three years. I hire a attorney in May 2009 give her $3,500 has not provide any she agreed to or done as require by he court or file on time after the first week she told me going withdraw from my case because I was not donig what she want to do and I did have a phone number where you can be reached my phone was off due to hard ship. Also me and my girl friend agreed to work for her filing and work on her house two days after we hire she had a fall out with my girl friend because she didn’t do what she wanted her do my girl friend did the best she could do. Around that time we were not getting along and to top it off my attorney didn’t her be involve in my case or have anything do with it and kick out of my house she was more worry about her than my case and as my attorney how can she say the thing in her email as you will read she has done noting but put me in the line of fire and trail is due this March
    3.
    One more thing I received a letter from the class action settlement involving Ameriquest and Argent and today I call the administrators and she told me I was in class one and five
    I need any suggestions please read the last email so you can read about how ruled she is
    Wednesday, January 27, 2010 9:00 AM
    4.
    From: My Attorney
    To:
    “‘Nick Ramirez’” <nick.ramirez80@yahoo.com
    Nick,
    When we spoke on the phone earlier today, you agreed to put in writing your decision to accept Argent’s settlement offer. (Provided, of course, that the offer was still on the table.) Once again, I am totally perplexed by your email, which includes numerous conditions on the settlement that we never discussed.
    This appears to be yet another example of how you agree to follow my legal advice and/or authorize me to act on your behalf, only to later change your mind. I have already explained that it is difficult for me to conclude anything other than that you did not intend to follow through with your decision from the beginning. Fortunately, you (and Debbie) provided me with the unexpressed conditions before I contacted Argent regarding acceptance of the offer. After receiving your email, I do not intend to contact Argent and try to re-open negotiation at the 11th hour after Argent already indicated that it was the final offer.
    Responding to each condition separately:
    1. An “admission” by Argent that the Deed of Trust is forged is essentially worthless. What I suggested is proposing that Argent stipulate to allow you to amend your complaint to add a cause of action for declaratory relief. Basically, you request that the Judge make a ruling that the signature is forged. You would need to submit enough evidence to convince the judge to so rule. As I explained, this is important because it would force the current owner of your mortgage to pursue judicial foreclosure, without you having to initiate legal action to get an injunction against them.
    2. Again, Argent cannot declare anything about the validity of the Deed. It requires a judicial declaration. I also do not understand why you and Debbie believe a distinction between void and voidable has any legal relevance.
    3. You are now attempting to add a substantial amount of money to Argent’s offer by demanding all fees associated with the loan. I believe the mediator made it very clear that Argent was not willing to offer a higher amount. Furthermore, the mediator reiterated what I had already explained to you: Argent is confident that they will win their motion for summary judgment, meaning the case will be dismissed without any money judgment against Argent. Argent’s offer, as both the mediator and I explained, is based on the costs and attorney fees that Argent would incur in bringing the motion and completing discovery.
    4. This also was never discussed in our phone conversation, and also attempts to add (presumably) significant amounts to the offer by Argent. Again, Argent made it clear during mediation that their offer was the highest they were willing to go. Even if Argent were willing to pay fees as part of its settlement offer, I should also add that it is only appropriate for you to ask for attorney fees that you actually paid. I will also point out again that your apparent belief that you are entitled to completely wipe out your mortgage AND reap tens of thousands of dollars in damages is not supported by any legal theory.
    RE: Validity of Forged Deed of Trust
    I have discussed this issue with you numerous times, so I am just providing you with the basics, not the detailed explanation I have provided in the past. As I explained above, if the Deed of Trust is forged, the entity who owns the loan would not be able to use non-judicial foreclosure process because without a valid deed of trust they do not have the power of sale. Even if the deed of trust is declared invalid as a forgery, it does not mean that you do not owe money to the current owner of the loan. The present owner would, however, have to use the judicial process to foreclose. Basically, the bank would go to court and ask the judge to give them an equitable lien for the amount that you still owe on the loan, then get the judge’s approval to sell the house in order to pay the amount owing. The basic premise is this: even if the deed of trust is forged, you received a substantial benefit (large loan that paid off your previous mortgage plus $60,000 cash), and you shouldn’t be allowed a huge windfall by not being required to pay the money back.
    I have previously discussed several strategies with you. If the new owner tries to foreclosure judicially, you can counterclaim for any wrongdoing on the part of the new owner; any damages you win may offset the amount you owe the bank. (Keep in mind that since you have not given me the notice you received regarding transfer of your mortgage, I cannot be more specific about potential claims or liability of the new owner of the promissory note.) As I also pointed out, if through discovery you find that that the promissory note was also forged, the bank may be able to foreclose or get any monetary award. I have also suggested bankruptcy as a potential option; in a Chapter 13 reorganization, the loan is unsecured and would be paid off in full after completion of 3-5 year repayment plan. Unfortunately, you need to have an income to qualify for a chapter 13. Although you initially seemed to be open to considering these and other options, you eventually rejected my legal advice. I trust you understand how frustrating it is to hear that you trust information you read on the internet over my legal advice.
    RE: Future Communications
    First let me be frank: I am well aware that Debbie, not you, wrote the email. I am really losing patience with you and Debbie continuing to try to insult my intelligence by pretending otherwise. I have already advised you of the loss of attorney-client privilege, but if you choose to give up the confidentiality by sharing emails with Debbie, there is nothing I can do to stop you. As I also explained, however, you continue to put me in an untenable ethical dilemma when I know that someone other than my client is attempting to make decisions about the case by masquerading via your email address.
    As if that were not enough, I previously provided a warning in writing regarding your contradictory instructions about sharing anything about your case with Debbie and the resulting ethical dilemma I have been placed in. Need I remind you of the emails and phone conversations, including references to Debbie as a cunt, bitch, etc., requesting that I provide legal representation to evict her from your home, relating your fear that you will end up in jail because you have been close to strangling her, etc.? Again I ask you: How can I simultaneously maintain your confidentiality and honor your desire to not reveal any information to Debbie because she is using you to get free rent — while at the same time communicate by email to an account that Debbie obviously has access to? We previously agreed that my continued representation was contingent on your promise not to allow Debbie to communicate with me using your name and email.
    I also want to point out the irony in your request for me to communicate via email: You have not been responding to me emails despite your promises to check your email daily.
    During the mediation session, which was preceded by yet another extended period of non-communication on your part, I indicated that I had no choice but to seek to withdraw from your case. I continued on as counsel of record only because you agreed to accept Argent’s settlement offer.
    When you withdrew authorization to accept the settlement, and then refused to respond by phone or email, I scheduled a motion to be relieved as counsel. The hearing is scheduled for February 19, 2010 at 2:30 p.m. in Dept. 516, and you will receive notice in the mail.
    Unfortunately, the motion for summary judgment is scheduled for hearing on February 10, 2010. As I already informed you, I am unable to oppose the motion because 1) the causes of action as plead while you were representing yourself have no merit, and 2) you have failed to pay the money promised to obtain evidence to support your claims, including having a mortgage audit conducted, and 3) you still have not provided the documents you promised to deliver months ago. This is not the first time that I have informed you of my belief that Argent will win their motion and be dismissed from the case. Although it makes no sense to me, you are certainly free to give up $7500 and disregard my advice based on your own analysis of the strength of your case.
    From: My Attorney

    1. Tuesday, August 18, 2009 5:51 PM
    From: My Attorney
    “nick ramirez”
    View contact details
    To:

    Cc:
    “nick Ramirez”
    My Attorney
    I would like you to read this letter with an open mind. The reason I am sending you this e-mail is so you can have an understanding about what I am feeling prior to us talking on the phone. This way you will know where I am coming from and we can go on from there.
    I want to start out by saying that I do understand your frustration. But when we first met you did not want hear what I had to say and you said I talk to much so you and Debbie did all the talking I told you at that time that on one know these documents the way I do and at that time. I did have all of the documents in order in the two books were I spent many days looking over and found all the forged documents and the over charges with the money.
    Also the letters from Argent Mortgage, and ACC Capitol Holdings Company a parent company of, Argent Mortgage in response to my complaint who also conduct a formal investigation alleging that the signatures on loan documents did not match and were forged. In there letters response to there finding that the signatures appear to be similar to my signature on my I.D. and Social Security Card and confirms that after a thorough investigation that there was no evidence of wrong doing.
    The investigations done by Argent Mortgage and ACC Capitol Holdings were unfair, misleading
    also all the letters from Pinnacle Financial Attorney were misleading, all long with AMC Argent Mortgage.
    I can go on there is so much more we have all the documents to prove that why I don’t understand were we are at.
    I want to tell you that I am frustrated as well. Hopefully after you read this we can come to some sort of understanding
    As you know, this case is very important to me. I have worked hard my whole life. I was able to buy a home where I raised my boys and I have put my sweat and tears into my home. When I got hurt in 2005 everything changed. I was unable to work to make a living for myself and my kids, so when I met Shelly Poe she was the answer to my prayers. So I thought. I put my trust into her and that turned out to be the biggest mistake of my life. She took advantage of that trust and with the help of Argent Mortgage Company put me in a situation that was bound to fail. My signature was forged on legal documents. That is a crime. There is so much more that I think you should know, but you have never taken the time to sit down and really listen to what I have to say. I have spent many sleepless nights over this.
    For the past two years, we have been very careful to do what we were supposed to do, and turn in papers to the court on time. I understand that without a law degree we could only go so far, and that is why I hired you. To take us the rest of the way. I need to know that you are on my side and that I can trust you. This is why I am so concerned about you not complying with the judge’s request for a updated status report. I understand that we have had a hard time communicating with each other, but you could of still filed the letter. I believe I did my part by paying the money that was order by the court . Also the days I work for you, I did the best job I can and more even your friends told you how good of a job I did and wanted my number and done other work for you walking your dogs when I took them I took care of them like if there were mind they are two good dogs I fell in love with them. Also going to city to city filing court documents making on time before it was to close driving fast putting self on the line this why I expect the same from you, which brings me to the second part of my letter.
    I am very upset about the way you have been treating me. I have come to your house numerous times and worked very hard to please you. The way you talk to me is degrading and I will not tolerate any longer. You are constantly yelling at me. For example, F word like I did summing to you or any thing you don’t like ,what am I doing that is so bad , when I left your house the last time I was there before I left to go to file the court pagers you started yelling at me with the F word and actually told me to “Run, boy, Run can you boy make with only ½ hour before the court close Then called you from the court house and told you that there was nobody here, you started yelling at me using the F word and told me to “Run, boy, Run “to the side of the court house were I was lucky that a court clerks took the court pagers as she was going home.
    I have never in my life had anyone speak to me the way you do. On more than one occasion, you had me rush out there, only to wait for hours for you to finish a document. My time is just as valuable as yours. Also, if I ask you to explain something to me, instead of explaining it again, you yell tell me that you don’t have time to go over anything twice and that I should of listened the first time. This is not rational behavior. I have always treated you with respect and I expect the same treatment from you. You have no right to raise your voice at me or degrade
    You are supposed to make things easier for me, not make me feel like I am going to lose. I have always been so confident in what I am fighting for until I hired you. It seems you are trying to break my spirit. This will not happen. I am going to win this case because I have what it takes, and I need you, as my lawyer to believe that.
    Lastly I would like to talk about Debbie. You no what I am dealing it is OS hard and to top it off with all of this I am about break . She has been by my side through this whole thing. We live together we might have our differences but I have always been able to depend on her and count on her to a point. We have made it this far together, and you even said that you were impressed by how far we have gotten. For me to blindly turn everything over to you and not be able to have her input has been very hard. It is unfair for you to give me that ultimatum. I am not saying that you have to work with her or even talk to her, but I don’t want you to put down her efforts or expect me not to discuss anything with her.
    Like I said at the beginning. I hope you read this letter with an open mind and that we can move forward. I hired you because I know that you are very smart and you sounded as passionate as I am about putting a stop to these lenders.
    Please My Attorney I ask you help
    Thank you for taking the time to read my letter.

    Comment by nick — January 29, 2010 @ 3:37 am

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