Is Mers in Your Mortgage

7/30/2019 Is Mers in Your Mortgage

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Get your copy at:http://IsMERSInYourMortgage.com

Do you know what happened to your mortgage at the closingtable?

The American Homeowner is in the dark about thenew mortgage securitization industry and how it has splitthe mortgage from the note, and have convertedpromissory notes into pass - through - bond certificates",using the MERS electronic registry! According to NewYork Bankruptcy Judge Robert E Grossman MERS ISAN ILLEGAL SYSTEM, "...that does not comply withthe law..."

Now American properties are FREE and CLEAR legal

NULLITIES and American Homeowners don't knowanything about this!

My goal is to alert the American Homeowners, they musttake the time to learn what the mortgage securitizationindustry has done to their mortgage and 70 Million Plus(and counting) American Mortgages! If you've ownproperty in America since 1997, your property could beone of the 70 million thats free and clear!

IF MERS IS IN YOUR MORTGAGE YOUR PROPERTY IS FREE AND CLEAR ALREADY!

According to the real estate laws of this country!

If you want to know if MERS is in your mortgage you must begin by understanding what hashappened to your mortgage! Or if your in a legal battle with The MERS Mortgage Mafia youmust first, know what they have done to your mortgage and promissory note that affects youeven if you are current on your mortgage. Presently you are in the dark about the transformationsthat has taken place with your mortgage and promissory note; it is not what you think it isanymore. Your promissory note has been changed into an investment tool and sold at the Wall

Street Casino. This action has set you free from a secure mortgage; learn the whole story insidethis book! If you want to know if MERS is IN your mortgage or if you want to know whathappen to your mortgage at the hands of ,

The MERS Mortgage Mafia

then you need to learn what has happened to the mortgage industry over the last 10 years that hasaffected your mortgage and promissory note. I guarantee that this will be the most importantletter youll read this year.

The untold truth is.

The mortgage securitization industry giants have made the biggest mistake in American historyand no one is telling the American People that this mistake has set them FREE from a securemortgage, I call it The MERS MISTAKE!

You need to STOP and take the time to see if MERS is inyour mortgage! If MERS is, then your property has been made free and clear because of the
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MERS Bifurcation at the inception of your mortgage!

In this book you'll learn the

7 Steps to Finding Out If MERS is IN Your Mortgage!

In court rooms all across this country homeowners are winning their homes FREE and CLEARbecause the Banks dont have the paper work to prove they own your mortgage in court! Theydestroyed the very documents they would later need and they deliberately put MERS in its place,which is an illegal electronic registry. What MERS has done is called BIFURCATION!

Read this recent case where a California homeowner won her case against Deutsche BankAmerica's Foreclosure King and now her home is FREE AND CLEAR AND FORECLOSUREPROOF! Google the case:Denise Saluto v Deutsche Bank Default Judgment

A Riverside, California homeowner, Denise Saluto, who was in foreclosure filedfor quiet title against Deutsche Bank National Trust, as trustee for Long BeachMortgage, and its successors and/or assigns, and Washington Mutual Bank,successor in interest to Long Beach Mortgage Company and won by default.(And Washington Mutual, turned into JPMorgan Chase.) Thats right neither

Deutsche Bank nor JPMorgan Chase responded to the lawsuit.

When this happens, the Plaintiff still has to present his or her case, but itsunopposed so its not exactly the highest of hurdles. After considering theevidence presented by the Plaintiff, the court entered judgment in favor of Plaintiffand against the Defendants, thereby voiding her Trustee Sale and the Deed of

Trust. So, presto-change-o no more mortgage as in its a free and clearhouse! Ms. Saluto may still owe the debt, but the mortgage company is now likeVisa or Mastercard, insecure because theyre unsecured. And no one wants to beunsecured, especially in bankruptcy court.

Read the full article here:http://tinyurl.com/d62m734

Dont believe it then Google the case! This is happening all over this country because the thievesdont have the paperwork to prove their ownership!

SO WE WIN! MERS IS THE MORTGAGE INDUSTRY GIANT'S BIG SECRET

MISTAKE!

The Banks DONT have the paperwork to show up with in court so we, the homeowner win

hands down! The real estate laws of this country are on the side of the homeowner!

Dear American Homeowner,

I would like to take a minute to tell you who I am and then talk to two groups of homeownersright now, the homeowner thats current on their mortgage and the homeowner thats behind on

their mortgages for whatever reason. You all are in the same boat when it comes to yourmortgages and you dont know it.

My name is Richie Collins and I live in Louisiana, and I am in the second group ofhomeowners, in 2004 we purchased a $250000 home that Hurricane Katrina wrecked, it took theroof off our home while we were all honker down in it. The story of our encounterwith hurricane Katrina is told in the Prologue of the book Hurricane Season by NealThompson.

I was drawn into a foreclosure fight with a company I had never heard of nor did any businesswith and that company is Deutsche Bank America's Foreclosure King as they are called in theBloggest Sphere. I have been fighting Deutsche Bank National Trust Company since 2007 andby the grace of Almighty God I am still in my home mortgage free for the pass five years,because they don't have the proper paper work to prove they own my mortgage note.

I am an average homeowner but I am not a DEADBEAT! In 1973 I served in the U.S. Army
http://tinyurl.com/d62m734http://tinyurl.com/d62m734http://tinyurl.com/d62m734http://tinyurl.com/d62m734


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National Guard, I am a mother, a wife, a grandmother and a native New Orleanian.

My husband was a Hazardous Material truck driver earning between $80,000 to $100,000 a year,we could afford the home we bought! But because of the hurricane flooding the roads, he had nowork for a while, which caused us to get behind on our mortgage.

Our mortgage servicing company Countrywide put us in a mortgage workout program that fellthrough because they went into bankruptcy.

I have been hospitalized with bleeding ulcers because of this fight, but thank God Ive recovered.I had never done any business with this company and I didnt know why they were trying to

seize my home. I have a pretty good real estate background so I began doing research to find outwho they were and why were they trying to illegally take my home.

To make a very long story short I have been in and out of court with this company for years andthey know they dont have a leg to stand on when it comes to them having legal standing in my

case. For the last 5 years Ive been researching illegal foreclosures in this country and I neverthought Id see the day when massive criminal mafia like activity would sweep the mortgageindustry.

And as an astute American Homeowner through my extensive research Ive learned the secrets

of the mortgage securitization industry, how they steal homes they have no legal rights too. I amno fool andI know I am not obligated to pay the wrong lender! Ask the Miami-Dade CircuitCourt Judge Jennifer Bailey who sent a message to every lender who presupposes that simplybeing owed money by a borrower is enough to circumvent the laws of this country.

While doing my research I found out that the American Homeowner doesnt know anything

about what has happened to their mortgage and promissory notes. They don't know that theAmerican mortgage system has changed and we don't have the old 30 year mortgage systemanymore. We are now in the new age of the "mortgage securitization system" where a mortgageis securitized sometimes 24 hours after it's obtained by the borrower and the borrower knowsnothing about this securitization thats taking place right under their nose. That's one of

the mortgage securitization industries dirty little "open secrets".

As you can tell, I am not a sophisticated copy writer, I just want to share with you, the AmericanHomeowner what is happening in the current mortgage industry that you are unaware of but thisinformation is important for you to know.

You as a homeowner must find out the state of your mortgage.

The latest illegal activities of the mortgage securitization industry affect everyone who hasgotten a mortgage since 1997. So I decided to write a book which would be the best way toexpose their 5 OPEN SECRETS, so the American Homeowner could learn about this newmodern day mortgage industry and these,

5 OPEN SECRETS that they (the mortgage securitization industries) have successfullykept from them.

Over the years through networking I've discovered that the average homeowner doesn't knowwhat has happened to their mortgage at the closing table, how it was secretively securitized afterthey finish signing their closing documents and sold as bond-certificates at the Wall StreetCasino without their knowledge. This was secret fraud!

So I sat down and wrote this book to reveal what I've found out about the mortgage andpromissory note that is not widely known by the average American Homeowner. In this book Itell my own story because I was caught up in the new mortgage securitization industry webtoo. It almost destroyed my life! It was an intense fight with Deutsche Bank! In this book Itell how MERS and Deutsche Bank both claim to hold my note at the same time.

I found two-illegal-fabricated-fake-forged assignments, one from MERS and one from DeutscheBank. And get this, Deutsche Bank claims that Acoustic Home Loans my original lender cameback from the bankruptcy grave (they gave up the business ghost in 2006 according to CaliforniaState records) just to assign Deutsche Bank my promissory note in 2010. Imagine that!

Through my extensive research Ive discovered the mortgage securitization industry 5 OPEN


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SECRETS that they dont want the American Homeowner to know about. Because when theAmerican Homeowner WAKE UP and STOP MAKING mortgage payments into a BLACKHOLE, these 5 OPEN SECRETS is going to bankrupt the mortgage securitization industry, andbring them to their knees!

Why do I call their illegal activities OPEN SECRETS?

Because the mortgage securitization industry over the past 10 years havemade massive criminal OPEN changes to the mortgage system.

But manage to keep all this criminal activity a SECRET from theAmerican Homeowner and the general public.

I have discovered the mortgage securitization industry 5 OPEN SECRETS, so I have written thisbook to tell the American Homeowner how these secrets affects them in a bad and at the sametime, good way. The time is coming when the average American homeowner will eventually bedrawn into a nightmare of their own, when they try to sell their home or they try to get a

refinance. They will not be able to get a clear title to their property because they have a cloudedtitle that they dont know about! MERS has clouded their titles! They also don't know thatbecause of MERS their properties are now free and clear and foreclosure proof.

Guest what? MERS and the banks don't have the paperwork (the promissory notes) to show thatthey truly own our mortgages! How can they? When their business model was contrary to thetraditional way of doing mortgages!

This book will tell you how to find out if your home is one of the 70 million plus propertiesthats free and clear. Inside this book youll:

Learn how the mortgage securitization industry quest for the eMortgageUtopia turned into a massive systemic criminal enterprise.

Learn about the OPEN but SECRETIVE overhaul of the Americanmortgage industry over the last 10 years.

Learn how our mortgage promissory notes were converted and transformedinto investment certificates then converted to eNotes, learn what happenednext.

Learn which 4 groups of Americans are ignorant to the illegal activitiesofThe MERS Mortgage Mafia which keeps them in business.

Do you know how many times your mortgage promissory note have been sold in the MERS

eRegistry System? One homeowners mortgage promissory note was sold over 600 times.

Learn about the 4 groups within The MERS Mortgage Mafia. Learn the difference between the old 30 year mortgage system and the new

securitized mortgage system which is fraud and it takes place at themortgage closing.

Learn the 3 groups of American Homeowners affected by MERS. Learn how MERS clouded the title to 70 Million Plus American

Properties.

Heres Step 1 page:

When you get to the end of this book you will know what happened to your mortgage and the


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American mortgage industry and how it has morphed into the new mortgage securitizationindustry over the last 10 years. Listen, I am just an ordinary person who was living life real goodbefore Deutsche Bank came knocking at my door. They remind me of the Orkin ExterminatorTV Commercial, when the giant roach tries to get in a home by trying to deliver a pizza, that noone in the home ordered.

Deutsche Bank tried to pretend that they were my lender, but I knew better. And my fight withthis pretender lender began! And Ive been winning by the GRACE of GOD ever since! I want to

alert the American homeowner to the secret activity that has changed their mortgage andpromissory note and the mainstream media is totally silent about all this illegal mafia likeactivity.

Wake Up American Homeowners!

Your Property IS ALREADY FREE AND CLEAR! You just dont know it

yet! But this book will reveal to you what has happened to your property that

you dont know about! It has been set FREE!

The MERS Mortgage Mafiadont want you, the American homeowners to know that in theirgreed they have made a BIG mistake that has rendered 70 million plus American homes free andclear and foreclosure proof. According to decades of settle case law and the common laws ofalmost every state in the union MERS have Bifurcated 70 million plus US mortgages; andBIFURCATION of the mortgage from the note has rendered these mortgages unenforceable, anda legal NULLITY which means these mortgages are NOW invalid, thanks to MERS. There isno valid lien on your property!

And if you have a MERS mortgage. You have an unsecure debt! Learn more about this inside

this book.

This means that these loans/promissory notes are a LEGAL NULLITY so says the United

States Supreme court in the case Carpenter v. Longan, and the recent 2009 US Bank v. Ibanezcase! Now you have to find out if your mortgage is a legal "nullity"!

IBANEZ IS A RECENT CASE WHERE THE HOMEOWNER WINS THEIRCASE AGAINST THE BIG BANKS!

That's because the real estate laws of this country are on the side of the homeowner! And the BigBanks are paperless and have no legal rights to these homes!

Here is one of their dirty little OPEN SECRETS!

Your mortgage and promissory note has been SEPARATED as per their business model, themortgage industry giants in their securitization scheme has made the biggest mistake inAmerican history. What did they do to the paper promissory notes?

HINT: Their goal was to make way for a better, faster, more profitable eNote. But only a personin possession of the actuall paper promissory note a negotiable instrument can bring a claim incourt against a homeowner. So what did they do to them? This was their BIG MISTAKE, theirunintended consequences, they did not intend to set you free from a secure debt but they DID!

The paper promissory note is a negotiable instrument just like a dollar bill, and there are certainthings you cannot do to a dollar bill and expect payment from it. The same principle applies to

the promissory note. The person in possession of the paper promissory note possesses all therights and the cash flow of that instrument. So why don't they have the paper promissorynotes? Well, learn what happen to them.


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In this book I

REVEAL

What happened to

The PaperPromissory Notes!

What changed to make way for a better faster model called the eNote? Which by the way isnot a negotiable instrument recognized by the Uniform Commercial Code of the UCC,which governs the paper promissory note!

The big banks and MERS have made the biggest mistake in American history; and because ofthis; The MERS Mistake has clouded the titles to 70 million plus American homes and no one istelling the American people about this game changing event.

But, this book is your introductory guide to what has happened to these paper promissorynotes and finding out if your home is one of the 70 million homes that has been made freeand clear because of their BIG MISTAKE! You will know if MERS is IN yourmortgage! Your home may be Free and Clear right now! So where is your IOU? Is it one ofthem?

This book will tell you how to find out if your home is Free and Clear and ForeclosureProof!

Learn what The MERS Mistake is. Learn what the mortgage securitization industry has done to your

mortgage. Learn their secrets about your mortgage and promissory note that they

don't want you to know about, because it will bankrupt them! (But theyhave been able to keep this secret all this time, how I don't know?)

Learn the 5 open secrets of the mortgage securitization industry. Learn how they steal homes they have no rights to. Learn how to identify if your property is one of the 70 million. Learn the 7 easy steps to finding out if MERS is IN your mortgage. Learn what to do if you find MERS in your mortgage. Learn how to get your house free and clear if MERS is in your mortgage.

A Homeowner is not obligated to pay the wrong lender, especially a lender that has no legalrights or legal standing to their property. In April 2012 my state Louisiana, initiated a lawsuitagainst 16 banks under the Rico Laws and Deutsche Bank is one of them. Here's a quote fromthis Louisiana RICO lawsuit, listen to what it says about the MERS scheme:

"36. Under the MERS scheme, MERS is named nominee and mortgagee formembers' successors and assignees through an assignment of the members'interests to MERS. The members then retain the note and servicing rights to the


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mortgage. Whenever a MERS member electronically sells or transfers its interestin a mortgage loan to another MERS member, MERS privately tracks theassignment within its system but does not file any indication of such transfer inthe Plaintiffs' records.

37. As long as the sale of the note is made to another MERS member, MERSrepresents that they are the "nominee for the new beneficial owner," and does notrecord the assignment in the public records. Since there is not an assignmentrecorded in the public records, MERS members avoid paying an assignment fee tothe parish, no matter how many times the note is transferred.

(38. Omitted because it is a diagram.)

39. A person satisfying their obligation and paying off the promissory notemust pay the owner of that note to discharge any mortgage. A foreclosing partymust possess and hold both the note and the mortgage securing the note in order

to have standing to foreclose on the mortgage lien. In the event that a mortgagorstops paying their note, MERS attempts to re-combine the note and mortgage byrecording an assignment of the mortgage to the current holder of the note.

40. The MERS scheme is defective and deficient. MERS purports to work byseparating the promissory note from the mortgage. Under established Louisianalaw, the note and the mortgage are inseparable. As such, a transfer of a notecarries the mortgage with it, but the assignment of a mortgage without the note isa nullity. Therefore, under Louisiana law, the MERS transaction isactually:.(the last word "actually" points to an ommitted diagram)

41. Defendant Trustees have a duty to create and maintain a perfected lien onthe mortgages backing securities that they have issued to the public. This dutyrequires that a Defendant Trustees properly record each mortgage and anysubsequent conveyance of that mortgage in order to maintain priority of the lienunder Louisiana Public Records Doctrine."

AND MERS ASSIGNS ONLY THE MORTGAGE TO THE CURRENT NOTE HOLDERWHICH IS A LEGAL NULLITY AND THEY DON'T OBTAIN NOR MAINTAIN APERFECTED LIEN!

Therefore, the state of Louisiana is suing MERS and its 16 member lenders and in the lawsuit

describesThe MERS Mortgage Mafia's,

criminal activities! Thats what I call bringing thosecrooks to JUSTICE!

Homeowner's are not obligated to pay the wrong lender!

And courts are required by law to protect the homeowner from paying the wrong lender.Especially a lender that has no legal rights or legal standing to their property because they arepretender lenders! This means they're not the real lender so they "don't have legal standing" incourt!

Learn the 7 Easy Steps To Find Out if MERS is IN Your Mortgage.

Know the state of your mortgage and dont make payments to theWRONG LENDER! Anddemand to know who your real lender is or dontmake another mortgage payment untilyou do. This book will show you what to do.

DEMAND TO KNOW WHERE YOUR MONEY IS GOING!

Do You Have a MERS Mortgage?


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Only costs

$14.95

Its time to get out your mortgage

documents and find out if MERSis IN your mortgage!

This $14.95 will be well worth it, if it can help save your homefrom The MERS Mortgage Mafia!

Of course your purchase comes with a full

100% 60 day risk free, money back guarantee - no questions asked.

After reading Do You Have a MERS Mortgage?, if you feel that you haven't learn anything newabout this new mortgage securitization industry and you aren't satisfied with this information, Iwill gladly refund 100% of the money you paid.

You'll get IMMEDIATE ACCESS to this PDF book and you'll be able to download andread it.

When you receive it, print out the book, and keep it visible in your immediate workspacebecause it has court cases won by average homeowners, some representing them selves in court

as a Pro Se.

My prayer is that Ive enlighten you regarding this matter and you will begin to do your ownresearch and read the many legal cases online being won by homeowners in all 50 states, they arefighting the good fight against

The MERS Mortgage Mafia!

After you download it take the time to read the entire manual.

1.

It will show you the fraud and what happen to your mortgage at the closingtable that you didnt know about.2. It will show you how you got a cloud on your title and what to do about it.3. It will show you how to do a general (simple) title search of your property

so you will know beyond a shadow of a doubt if MERS is IN your


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mortgage and what has happened to your mortgage and promissory note.

Once you know the state of your mortgage from the court house records you can begin by getinglegal advice to help you plan a strategy to assist you with a possible Quiet Title case to clear andextinguish all illegal MERS claims against your home from the public records. It's not a

straightforward process. You will need legal advice.

Here's to your good fight against the Gangster Banksters!

P.S.I am also writing another book called The MERS Mortgage Mafia if you would like tolearn more on this subject where I break down each step to their securitization scheme then ordermy next bookThe MERS Mortgage Mafia by sending an email [email protected].

IsMERSInYourMortgage.com

Send any questions to: Richie Collins [email protected]

Copyright 2012 IsMERSInYourMortgage.com | Richie Collins| All Rights Reserved

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Is Mers in Your Mortgage