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Firm Commentary:  Has the rage and frustration of citizens with MEGA banks and corporations begun to congeal in California as in New York?  The attached presser details planned foreclosure protests around the bay area.  How and when will we begin to see a grassroots movement in the epicenter of the mortgage meltdown....the Southland?  

Something disruptive needs to happen or the status quo will remain.  On the mortgage side:  The HAMP has been a failure, our Congress refuses to pass BK cramdown, the state legislature has not revamp the non-judicial foreclosure statute, most attorneys general are seeking to give banks a slap on the wrist despite widespread robosigning fraud and the Courts remain biased against homeowners in financial distress.  To say our system of government has been infected and highjacked by excessive financial influence is not news; nor is it to say our Court's have been flooded with phony and fabricated documents and attestations.

The last time I checked...the U.S. Constitution begins "We the People"...not "We the shareholders".  A democratic government is supposed to be an extension of the citizenry, not a facilitator of casino capitalism.  The financial industry's subtle infection of our political system mirrors the subtle extraction of wealth from our economy...billions of small transaction fees at a time. 

But protests are messy and require selflessness and activism is time consuming and unentertaining...are  Southern Californians really to the point that they will stand up and oppose our new corporatocracy?  Or if the NFL and reality TV still too compelling to ignore?

 

http://xa.yimg.com/kq/groups/21961710/896359907/name/66-CALL-TO-ACTION-PROTESTS-PLANNED-FOR-NORTHERN-CALIFORNIA-SF-BAY-AREA-THIS-WEEK-SEPT-26TH-2011-STOP-THE-BANK-S-RACKETEERING-ST

 

CALL TO ACTION: Make the Banks Pay! OAKLAND & SAN FRANCISCO, CA

OAKLAND CALIFORNIA EVENTS

MONDAY (9/26/2011) & WEDNESDAY (9/28/2011), NOON: FORECLOSURE

DEMONSTRATION AT THE ALAMEDA COUNTY COURTHOUSE AT FALLON

STREET (AT LAKE MERRITT) IN OAKLKAND

MONDAY AFTERNOON: OCO DIVESTMENT AT THE BANKS AT LAKE

MERRITT AREA IN OAKLAND

It's Time to Make Banks Pay!

Big Banks helped to crash our economy, destroy our communities and wreck

our budgets.

Now they are back to record profits & bonuses while we are forced to pay for

the mess they helped to create!

SAN FRANCISCO CA EVENT

Thursday, September 29th 3 PM Downtown SF

And the days preceding...

Join us, as community groups, students, workers, faith leaders and others

come together for a Week of Action to stop playing defense and start going

on the offense to say:

It's time for Big Banks and Large Corporations to Pay Up!

During the week of September 26th-29th we will hold a series of actions and

mobilizations to:

- remind us all that it was Big Banks and Large Corporations and NOT

working people and students who have helped to collapse our economy

- insert the real solutions needed into the debate, and

- set the stage for the 2012 budget fight and election season so that

politicians and candidates have to choose which side are they on: Wall

Street or Our Street?

Some of us are dedicating full or half days, Mon - Wed September 26th-

28th when we will have action squads blitzing points of interest in various

financial centers of Oakland and SF. Others are just coming out for the big

day on September 29th. Attached is a flyer and sign-up form. Below is a

version you can fill in right now and e-mail back to us.

How you can participate:

1. Have your organization participate in the Week of Action (see form

attached)

2. Invite your members or network to our Facebook page:

"WEEK OF ACTION" COMMITMENT SHEET

(Return osaportas@gmail.com or fax to (510) 451-6928.)

Check the boxes below for the day(s) you can commit to participate:

*OAKLAND ACTIONS:

[ ] Monday, Sept. 26 ("Move Our Money"- meet 4pm at Snow Park, 20th

St. & Harrison St.)

[ ] Monday, Sept. 26: ("Stop the Foreclosure Auctions"- meet 12pm,

Alameda County Court House, 12th St. & Fallon St. on back South side.)

[ ] Wednesday, Sept. 28 ("Stop the Foreclosure Auctions"- meet 12pm,

Alameda County Court House, 12th St. & Fallon St. on back South side.)

[ ] Wednesday, Sept. 28 ("Community Clean Up"- meet at 2pm, Oakland

Coliseum BART parking lot.)

*SAN FRANCISCO ACTIONS:

[ ] Tuesday, Sept. 27 ("Play Fair"- meet 4:30pm, Juan Marichal statue,

AT&T Park, at 3rd St. and Berry St.)

[ ] Thursday, Sept. 29 ("Financial District March" - meet 3pm, 555

California St., "Banker's Heart" sculpture.)

Participant Information:

LAST NAME:_____________________________________________

FIRST NAME:____________________________________________

CELL PHONE:____________________________________________

EMAIL:__________________________________________________

UNION/COMM. ORG.:_____________________________________

Mayor Bloomberg's budget will lay off thousands of

teachers, close firehouses, and cut funding to human

services, schools, childcare, student aid, senior

centers, and more. There's an alternative.

Mayor Bloomberg can save $1.5 Billion if he stops the

corporate welfare, tax loopholes, sweetheart deals, and

subsidies for the Big Banks and super-rich.

ON MAY 12

ONMAY12.ORG * FACEBOOK.COM/ONMAY12 * TWITTER: @ONMAY12

Big Banks crashed our economy,

destroyed our communities and

wrecked our budgets.

WE BAILED OUT WALL STREET,

NOW IT'S TIME MAKE BIG BANKS AND MILLIONAIRES PAY TO MAKE THEM PAY!

EDUCATION

City Hall

260 Broadway

IMMIGRATION

Battery Park

STUDENTS

Charging Bull

26 Broadway

TRANSPORTION/ENERGY

Bowling Green

1 Bowling Green

HOUSING

Staten Island Ferry

1 State Street

PEACE

Vietnam Veterans Memorial

55 Water Street

JOBS

Wall Street Fountain

110 Wall St

HUMAN SERVICES/SAFETY NET

South St. Seaport

20 Fulton St

ON

MAY 12: COME TO

THE

MASS TEACH-IN

ON WALL STREET

CALL BLOOMBERG

EVERY DAY AT (212) 788-3000

AND TELL HIM TO:

􀁴􀀁 Make Wall Street banks and millionaires pay their

fair share in taxes

􀁴􀀁 Stop the giveaways, special deals and loopholes for banks

and corporations

􀁴􀀁 Restore the city budget cuts to schools, CUNY, seniors,

childcare, human services, homeless housing and

HIV/AIDS programs

􀁴􀀁 End city business with banks that won't stop foreclosures

and that invest in war and dirty energy.

At 4 pm thousands of people will stage a

giant Teach-in around Wall Street to educate

the world how the big banks are destroying

our community, and what we need to have a

just economy.

ASSEMBLY SITES:

More Information/RSVP: 510-269-4692 ext 0, www.MakeBanksPayCalifornia.org

facebook: Make Wall Street Banks Pay in California twitter: #makebankspaycalifornia

NAME: ____________________________________________

PHONE:_____________________ CELL:___________________

EMAIL: ____________________________________________

ORGANIZATION: __________________ CITY:________________

!

MONDAY--- Sept 26 - 4pm-6pm

Move Our Money!

Join us to divest and Move Our Money out of the

big banks and kick off the week of actions!

Meet at Snow Park, corner of 20th St. and

Harrison in downtown Oakland

TUESDAY --- Sept 27 - 4:30 pm-7:30pm

Saving Home!

Bank of America and Wells Fargo executives are

attending the Bay Area Council meeting at AT&T

Park - join us to meet them at their private

entrance and ask them to keep our families Safe

at Home!

Meet at the Juan Marichal Statue at ATT

Park - it on 3rd St right by the bridge, close

to the intersection of Berry St. in San

Francisco

WEDNESDAY--- Sept 28, 3:30pm-

6pm

Community Clean Up!

Tired of Bank Blight? Join us to Clean Up

and we'll take the blight back to its owners

- the Banks!

Meet behind Peet's Coffee in the parking

lot at Fruitvale and MacArthur in East

Oakland

Stop the Foreclosure Auctions!

Mon. 9/26 and Wed. 9/28, 12noon-1pm

Stop the Banks from selling our homes.

Meet at the back steps of the Alameda

County Courthouse at 12th St and Fallon

(on the side by Lake Merritt)

MAKE BANKS PAY

WEEK OF ACTIONS: SEPT 26-29

THURSDAY--- Sept 29 - 3pm-6pm

SF Financial District March

We'll conclude our Week of Actions with a mass action in the Financial District of

San Francisco. We'll pay visits to many of the big banks causing this economic

crisis.

CWA

# 9119

Más información: 510-269-4692 ext 0, www.MakeBanksPayCalifornia.org

facebook: Make Wall Street Banks Pay in California twitter: #makebankspaycalifornia

NOMBRE: ___________________________________________

TEL:_____________________ CEL:___________________

EMAIL: ____________________________________________

ORGANIZACIÓN: _________________CIUDAD:________________

!

HAGANLES PAGAR

LUNES Sept 26 - 4pm-6pm

Movemos Nuestro Dinero

Para empezar, junta con nosotros a quitar nuestro

dinero de los bancos grandes.

Juntamos en el Parque Snow Park,esquina de 20th

St. y Harrison en el centro de Oakland

MARTES Sept 27 - 4:30 pm-7:30pm

Que Mantengan un Juego Limpio!

Los jefes de Banco de America y Wells Fargo van

a la junta del Concilio del la Area de La Bahia en

el Parque AT&T - vamonos a juntar con ellos!

Juntamos en la estua Juan Marichal en el

Parque ATT -en la 3rd St cerca del Puente y

la calle Berry en San Francisco.

MIERCOLES Sept 28, 3:30pm-6pm

Limpiamos la Communidad!

Estamos cansados de la basura en nuestra

communidad - la vamos a regresar a sus

dueños - ¡los bancos!

Juntamos detras de Peets en la MacArthur y

la Fruitvale en Oakland

¡Paramos las Subastas!

Lun. 9/26 and Mier. 9/28, 12noon-1pm

Paramos que los bancos venden nuestras

casas.

Juntamos detrás del Alameda County

Courthouse en 12th St y Fallon (en el lado

del Lago Merritt)

Los bancos quebraron nuestra

economía destruyeron nuestras

comunidades y Quebraron

nuestros presupuestos

NOSOTROS SALVAMOS A WALL

SEMANA DE ACCIONES: SEPT 26-29

JUEVES Sept 29 - 3pm-6pm

Marcha en el Distrito Financial de San Francisco

Terminamos la semana con una marcha grandisimo en el Distrito

Financial de San Francisco. Visitamos a los bancos que causaron este

crisis económico.

Juntamos en 555 California St., San Francisco

CWA

# 9119

Firm commentary:  The article below offers information about the Wall Street protest that has resulted in over 1000 individuals rallying in the financial district over the last week.  The protest goes beyond the mortgage crisis to include the influence of Wall Street and Mega Banks have over our government and policies.

 

While a Tea Party protest of 30 pissed off white people can generate broad media coverage from every corporate news station in the country...reporting of this event has yet to make it to the evening news.  This may be yet another example of the degree of influence of corporate big money.  Without a free press, democracy cannot flourish...and this story is getting buried.

The rage and frustration is not limited to Manhattan...it has only congealed there first.    It is our ingrained spirit of democracy, not the big banks, that is TOO BIG TO FAIL. 

The slumbering giant has awakened...California is next.  

 

 

By Alastair Stevenson | September 20, 2011 11:55 AM GMT

http://uk.ibtimes.com/articles/216748/20110920/seven-arrested-in-adbusters-occupy-wall-street-protest-one-for-wearing-anonymous-v-mask.htm

At least seven individuals have been arrested during Adbusters' ongoing Occupy Wall Street protest, one for wearing the "V" mask used by hacker collective Anonymous.

The arrests were initially reported by Bloomberg. In its report the news agency alleged that by the end of the protest's third day New York City Police had arrested as many as seven individuals.

Flickr
New reports indicate that at least seven individuals have been arrested during Adbusters' ongoing Occupy Wall Street protest, one for wearing the "V" mask used by hacker collective Anonymous.

 

 

The exact reasons for the arrests remains vague and conflicting reports have since emerged suggesting different motivations.

According to Bloomberg four protesters were arrested Monday for wearing masks -- New York law forbids more than two individuals wearing masks in a public space at any one time during a protest. The fifth protester was reportedly arrested for jumping a police barrier, while the sixth and seventh were detained for attempting to enter a building used by Bank of America Corp while wearing masks.

Bloomberg cited an e-mailed statement from police spokesman Paul Browne as its source.

The report ran contrary to an article from The New York Times, also printed Monday, that three protesters had been arrested for wearing masks. The report said two men for wearing ski masks and a woman was arrested for wearing a "a plastic mask on the back of her head." Reports from Twitter later emerged suggesting that the item in question was the "V" mask commonly worn and used by hacker collective Anonymous.

According to The New York Times the fourth man was arrested minutes later. Conflicting with Bloomberg's report, according to The New York Times, rather than being arrested for jumping a barricade, the man was arrested after saying he was having difficulty moving when ordered to "keep moving" by a deputy inspector policing the protest.

Another woman, identified in the report as Jessica Davis, 19, was arrested on graffiti charges.

The protesters were all arrested while taking part in Adbusters' Occupy Wall Street campaign. The campaign began Saturday with around 1,000 individuals rallying in Manhattan's Financial District. The initial call-to-arms asked for 20,000. Reports now generally estimate the number of protesters at around 200.

The campaign is reportedly being enacted to protest Wall Street's current influence on American policy. Since being announced it has garnered widespread support from numerous groups, including the infamous hacktivist collective Anonymous.

 

Credit to Lynn E. Szymoniak, Esq and Max O. Gardner for the following information. 

 

WHO'S SIGNING NOW?
Lynn E. Szymoniak, Esq., Ed., Fraud Digest
July 20, 2011

1. Who were the top mortgage document signers in the first half of 2011?

2. Which trusts that closed in 2005, 2006 and 2007 repeatedly filed mortgage assignments signed and notarized in 2011?

3. Who was the most prolific MERS Certifying Officer in the first half of 2011?

Bonus Question: Which law firm used the following phrase instead of an actual date for the assignments:

"At or before the ensealing and delivery of these presents the receipt whereof is hereby acknowledged..."

1. TOP MORTGAGE DOCUMENT SIGNERS, JAN. - JUNE, 2011

From American Home Mortgage Servicing in Jacksonville:
Christine Alday
Elizabeth Boulton
Andrew Fuerstenbeger
Michelle Halyard
Tonya Hopkins
Joseph Kaminski
Kasea Matthews
Harold Nord, III
Yvette Washington

From Aurora Loan Services in Scotts Bluff, Nebraska:
Jan Walsh

From BAC Home Loan Servicing in Simi Valley, California:
Malik Basurto,
Nichole Clavadetscher
Youda Crain
Mercedes Judilla
Srbui Muradyan
Swarupa Slee

From Carrington Mortgage Services, LLC in Santa Ana, California:
Tom Croft
Greg Schleppy

From Chase Home Finance in Franklin County, Ohio:
David Ellis

From CitiMortgage in St. Charles, Missouri:
Kim Krakoviak
Aaron Menne
Scott Scheiner

From GMAC in Upper Dublin Township, Pennsylvania:
Sandy Broughton
Donald Dempsey
Thomas Strain

From HomEq Servicing in North Highlands, California:
Noriko Colston

From HSBC Mortgage Corp. in Depew, New York:
Michael Peter

From IndyMac Mortgage Services in Austin, Texas:
Suchan Murray
JC San Pedro
David Rodriguez
Mollie Schiffman
Mike Stanford

From JP Morgan Chase in Jacksonville, Florida:
Nura Nadarevic

From Litton Loan Servicing in Dallas, Texas:
Debra Lyman
Marti Noriega

From Nationwide Title Clearing in Palm Harbor, Florida:
Bryan Bly
Vilma Castro
Kim Goelz
Mary Sarmiento

From Ocwen Loan Servicing, LLC in West Palm Beach, Florida:
Christina Carter
Lesli Goodman
Rene Martinez

From Orion Financial Group in Southlake, Texas:
M. Arndt
M.E. Wileman

From Saxon Mortgage Service in Fort Worth, Texas:
Regina Alexander
John Cottrell

From Select Portfolio Servicing in Salt Lake City, Utah
Bill Koch
Jeff Young

From Wells Fargo Home Mortgage in Minneapolis, Minnesota:
Nicholas Hoye
Janet L. Jones
Carissa Keeler
Carla Naughton
Ricky Thompson

2. MORTGAGE-BACKED TRUSTS, CLOSED BEFORE 2008, USING MORTGAGE ASSIGNMENTS SIGNED IN 2011

Aames Mortgage Investment Trusts
ABFC Trusts
Ace Securities Corp. Home Equity Loan Trusts
American Home Mortgage Assets Trusts
American Home Mortgage Investment Trusts
Ameriquest Mortgage Securities, Inc. Trusts
Argent Securities, Inc. Trusts
Banc of America Alternative Loan Trusts
Banc of America Funding Trusts
Bear Stearns Alt-A Trusts
Bear Stearns ARM Trusts
Bear Stearns Asset-Backed Securities Trusts
BNC Mortgage Loan Trusts
Carrington Home Equity Loan Trusts
Carrington Mortgage Loan Trusts
Citigroup Mortgage Loan Trusts
CSFB Trusts
CSMC Trusts
CWABS Trusts
CWALT Trusts
CWMBS Trusts
Deutsche Bank Alt-A Securities Inc. Mortgage Loan Trusts
First Franklin Mortgage Loan Trusts
First NLC Trusts
Fremont Home Loan Trusts
GSAA Home Equity Trusts
GSAMP Trusts
GSR Mortgage Loan Trusts
Harborview Mortgage Loan Trusts
HSI Asset Securitization Corp. Trusts
IndyMac IMSC Mortgage Loan Trusts
IndyMac INDX Mortgage Loan Trusts
Long Beach Mortgage Loan Trusts
MASTR Alternative Loan Trusts
MASTR Asset-Backed Securities Trusts
Morgan Stanley Capital I, Inc. Trusts
NatIxis Real Estate Capital Trusts
New Century Home Equity Loan Trusts
New Century Mortgage Loan Trusts
Nomura Home Equity Loan Trusts
NovaStar Home Equity Loan Trusts
NovaStar Mortgage Funding Trusts
Option One Mortgage Loan Trusts
RALI Trusts
RAMP Trusts
Residential Asset Securitization Trusts
Saxon Asset Securities Trusts
Securitized Asset-Backed Receivables Trusts
Soundview Home Loan Trusts
Structured Asset Investment Loan Trusts
Structured Asset Mort. Investments II Trusts
Structured Asset Mort. Investments II, Inc. Bear Stearns Alt-A Trusts
WaMu Trusts
Wells Fargo Asset Securities Corp. Trusts

3. MOST PROLIFIC MERS CERTIFYNG OFFICER:

NICHOLAS HOYE
Nicholas Hoye from the Minneapolis, Minnesota offices of Wells Fargo
Home Mortgage is the winner of the "Busiest Signer of 2011 Award." Hoye
signed thousands of mortgage assignments in the first six months of
2011. Hoye most often signs to convey mortgages to his employer, Wells
Fargo. Hoye has signed as a Certifying Officer for MERS as Nominee for
at least 40 mortgage companies. The runner-up is Ricky L. Thompson, also
from Wells Fargo.

BONUS QUESTION

WHICH LAW FIRM USED THE MOST CREATIVE PHRASE (IN LIEU OF AN ACTUAL DATE) TO IDENTIFY THE DATE THE ASSIGNMENT WAS MADE?

When
did the trust acquire the mortgage? What was the exact date the
mortgage changed hands? According to thousands of documents, the date
was:

"At or before the ensealing and delivery of these presents the receipt whereof is hereby acknowledged..."

Ben-Ezra & Katz, P.A.
2901 Stirling Road, Suite 300
Fort Lauderdale, FL 33312

This
is one of the LPS affiliated law firms, a/k/a foreclosure mills - that
was being investigated rigorously by June Clarkson and Theresa Edwards
of the Florida Attorney General's office - until that moment when
Clarkson and Edwards were escorted rigorously out the door.

Signers come and signers go, but the practices of banks and their servicers remain the same.

 

 

 

Credit to Attorney Max O. Gardner, the following information includes a list of known robo-signers and what to look for when looking for evidence that someone is attempting to create the illusion of a valid mortgage transfer to a mortgage backed security trust...and then foreclose in the trust's name.

Remember, this is a game of "hot potato"...mega-bank servicers, who often created the trusts....do NOT want to absorb the loss associated with owning your loan.  Better to dump the loan into a Fannie Mae/Freddie Mac/or Private mortgage backed security trust and collect the servicing profits.  Hence the need for the robosigner industry.

 

 

 

 

1.     The Mortgage or Deed of Trust is assigned from the Originator directly to the Trustee for the Securitized Trust.

2.     The Mortgage or Deed of Trust is assigned months and sometimes years after the date of the origination of the underlying mortgage note.

3.     The Mortgage or Deed of Trust is assigned from the initial aggregator directly to the Securitized Trust with no assignments to the Depositor or the Sponsor for the Trust.

4.     The Mortgage or Deed of Trust is executed, dated or assigned in a manner inconsistent with the mandatory governing rules of Section 2.01 of the Pooling and Servicing Agreement.

5.     The assignment of the Mortgage or Deed of Trust is executed by a legal entity that was no longer in existence on the date the document was executed.

6.     The assignment of the mortgage or Deed of Trust is executed by an entity whose name is different than the entity named in the original document (i.e., National City Bank Corporation in lieu of ABC Corporation as a division of National City Bank).

7.     The assignment was executed by a party pursuant to a Power of Attorney but no Power of Attorney is attached to the instrument or filed with the instrument or otherwise recorded with local land registry.

8.     The mortgage note is allegedly transferred in a single document along with the Mortgage or Deed of Trust (i.e., "Assignment of the Note and Mortgage").  You cannot "assign" a mortgage note.  You can only "negotiate" a mortgage note under Article 3 of the UCC.

9.     The assignment is executed by a party who claims to be an "attorney in fact" for the assignor.

10.    The assignment is notarized by a notary in Dakota County, Minnesota.

11.    The assignment is notarized by a notary in Hennepin County, Minnesota.

12.    The assignment is notarized by a notary in Duval County, Florida.

13.    The assignment is executed by an officer or secretary of MERS.

14.    The assignment is notarized by a secretary or paralegal employed by the attorney for the mortgage servicer.

15.    The assignment is executed or notarized by an employee of MR Default Services, Promiss Solutions LLC, National Default Exchange, LP, LOGS Financial Services, or some similar third-party.

16.    The endorsement on the note is actually on an allonge affixed to the note.  In most states, an allonge cannot be used if there is a sufficient amount of room at the "foot" or the "bottom" of the original note for the endorsement. 

17.    The allonge is not "permanently" affixed to the original note.  The term permanent excludes the use of staples and tape and as a result you must use a sold fastener such as glue.  Allonges are commonly referred to "in the business" as "tear-off fraud papers."

18.    The note proffered in evidence is not the original but a copy of the "certified copy" provided to the debtors at the closing.

 

 

19.    The note is endorsed in blank with no transfer and delivery receipts.  It is fine to endorse a note in blank, in which case it becomes "bearer" paper under the UCC.  However, in order to prove a true sale from the Sponsor to the Depositor you must have written delivery and transfer receipts and proof of pay outs and pay in transactions.

20.    The note proffered in evidence is not endorsed at the foot of the note or on an affixed allonge.

21.    The assignment of the mortgage or deed of trust post-dates the filing of the court pleading.

22.    The assignment of the mortgage or deed of trust is executed after the filing of the court pleadings but claims to be "legally effective" before the filing.  For example, the deed of trust is assigned on June 1, 2009, with an effective date of May 1, 2007.

23.    The parties who executed the assignment and who notarized the signature are in fact the same parties.

24.    The signor states that he or she is an "agent" for the executing entity.

25.    The signor states that he or she is an "attorney in fact" for the executing entity.

26.    The signor states that he or she is an employee of the executing entity but claims to have custody and control of the records of the entity.

27.    The signor of the document makes statements about the status of the mortgage debt based on his or her review of the "records of the plaintiff" or the "records of the moving party."

28.    The proponent of the original note files an Affidavit of Lost Note.

29.    The signor claims that the allegations in the court pleading are correct but the assignment of the mortgage and/or delivery and transfer of the note occurs after the law suit or the motion for relief from stay was filed.

30.    One or more of the operative documents in the case is signed by one of the attorneys for the mortgage servicer.

31.    The default payment history filed in the case is prepared by the attorney for the mortgage servicer or a member of his or her staff.

32.    The affidavit filed in support of legal fees is not signed by an attorney with the firm involved in the case.

33.    The name of one or more of the signors is stamped on the document.

34.    The document is a form with standard "fill-in-the-blanks" for names and amounts.

35.    The signature of one or more parties on the document is not legible and looks like something a three year old might have done.

36.    The document is dated and signed years before the document is actually filed with the register of real estate documents or deeds or mortgages.

37.    The proffered document has the word C O P Y stamped on or embedded in the document.

38.    The document is executed by a notary in Denton County, Texas.

39.    The document is executed by a notary in Collin County, Texas.

40.    The document includes a legend "Hold for" a named law firm after recording.

41.    The document was drafted by a law firm representing the mortgage servicer in the pending case.

42.    The document includes any type of bar code that was not added by the local register or filing clerk for such instruments.

43.    The document includes a reference to an "instrument number."

44.    The document includes a reference to a "form number."

45.    The document does not include any reference to a Master Document Custodian.

46.    The document is not authenticated by any officer or authorized agent of a Master Document Custodian.

47.    The paragraph numbers on the document are not consistent (the last paragraph on page one is 7 and the first paragraph on page two starts with number 9).

48.    The endorsement of the note is not at the "foot" or "bottom" of the last page of the note.  For example, a few states allow an endorsement on the back of the last page of the note but the majority requires it at the foot of the note.

49.    The document purports to assign the mortgage or the deed of trust to the Trustee for the Securitized Trust before the Trust was registered with the Securities and Exchange Commission.  This type of registration is normally referred to as a "shelf registration."

50.    The document purports to transfer the note to the Trustee for the Securitized Trust before the date the Trust provides for the origination date of instruments in the Trust.  The Prospectus, the Prospectus Supplement and the Pooling and Servicing Agreement will clearly state that the pool of notes includes those originated between date X and date Y.

51.    The document purports to transfer the note to the Trustee for the Securitized Trust after the cut-off date for the creating of such instruments for the Trust.

52.    The origination date on the mortgage note is not within the origination and cut-off dates provided for the by terms of the Pooling and Servicing Agreement.

53.    The "Affidavit of a Lost Note" is not filed by the Master Document Custodian for the Trust but by the Servicer or some other third-party.

54.    The document is signed by a "bank officer" without any designation of the office held by the said officer.

55.    The affidavit includes the following language on the bottom of each page:  "This is an attempt to collect a debt.  Any information obtained will be used for that purpose." 

56.    The document is signed by a person who identifies himself or herself as a "media supervisor" for the proponent.

57.    The document is signed by a person who identifies himself or herself as a "media coordinator" for the proponent.

58.    The document is signed by a person who identifies himself or herself as a "legal coordinator" for the movant.

59.    The date of the signature on the document and the date the signature was notarized are not the same.

60.    The parties who signed the assignment and who notarized the signature are located in different states or counties.

61.    The transferor and the transferee have the same physical address including the same street and post office box numbers.

62.    The assignor and the assignee have the same physical address including the same street and post office box numbers.

63.    The signor of the document states that he or she is acting "solely as nominee" for some other party.

64.    The document refers to a power of attorney but no power of attorney is attached.

65.    The document bears the following legend:  "This is not a certified copy."

66.    The document is signed by:

        Jose Aguilar

Joseph Alvarado

Felix Amenumey

Natalie Anderson

Pam Anderson

Scott Anderson or by Scott W. Anderson

Pamela Ariano

Leticia Arias

Chris Arndt

Aimee Austin

Gina  Avila

Katrina Bailey

Fern Baker

Janice M. Baker

Lorraine Balara

Steve Ballman

Steve Bashmakov

Michael Bender

Jamie Bilot

Marnessa Birckett

Sarah Block

Janette Boatman

Michele Boiko

Sheri Bongaarts

Beth Borse

Christie Bouchard

Diane Bowser

Christopher Bray

Tammy Brooks-Saleh or Tammy Saleh

Sandy Broughton

Jenny Brouwer

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Butler & Hosch, P.A.

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Richard J. Carlson

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