June 2012 - Hi. My name is Joy Schmidt and I live in Northern California in a suburb east of San Francisco. I have never been a fighter, or a political activist or an advocate for victims. But you hurt families and take their shelter, strip their hope, deprive them of their sense of well-being, rob them of their life savings, and pillage and plunder their safe haven.....well, there is going to be a backlash. So watch out Aurora. Homeowners are joining forces and telling their stories - the nightmares, the plights, the struggles, the ordeals. They want to expose you. I will help them reveal the web of lies that they were told by you over and over again as they vigorously attempted to work toward an imaginary loan modification. But while they were jumping through your hoops, meeting all of your demands, making their monthly payments, you were marching toward foreclosure and designing your game plan to rob them of their homes on court house steps. Watch out Aurora, THEY ARE MAD AS HELL AND THEY'RE NOT GOING TO TAKE IT ANY MORE.
The stories are all the same, just the names are different. I have thousands who have written me actually begging for help. All I can do is listen and provide information to educate each and every homeowner and teach you how to help yourselves. In some States I have attorneys to whom I can refer you. I have attorney websites that are a great help. I continue to compile hundreds of articles that I share daily via email. One thing you can do is become politically active. Find out who your local representatives are, who your Congressman is, who your Attorney General is and begin writing letters. Be vocal. Don't give in and don't give up. The most important thing you can do is go down to the County Recorder and get copies of everything that has been recorded against your property. I can help you examine those documents. You'd be amazed at what you'll learn. This could be your biggest defense.
I have studied securitization for 2 years. You must try to get the name of the Trust through Aurora or through MERS. Once you get the name of the Securitized Trust, I can help search the S.E.C. website and find the trust for you. I have read thousands of pages of Trusts. This will tell you who your original lender was, who is the Master Servicer, who is the Servicer, who is the custodian, and what the RULES are the Servicer must follow. It's all in the Pooling and Servicing Agreement. You'd be amazed at all the things Aurora is doing that they have no right to do - like tell you to go late!
Now, I know you're wondering about the Class Action. Yes, there is a lawsuit being handled by Hagen Berman out of Seattle, a powerful Class Action firm. It was filed 2 years ago. They were able to get past the Motion to Dismiss. In other words, Aurora wanted to get the lawsuit dismissed and the Court said no basically. It is not yet "certified" as a class. I will keep you updated as to the status and whether you qualify to be a member of the Class. You'll need to email me at firstname.lastname@example.org
with a short summary of your situation and what State you're in. The class action will begin with California homeowners and they are wanting to expand it nationwide.
I am talking with other firms regarding a class action for those who were told to go 90 days late. We are beginning to see those lawsuits around the U.S. Jeff Barnes, a real trail blazer foreclosure attorney, has filed some of the first lawsuits about this issue.
Also, if any of you have proof of being charged exorbitant amounts for "force placed" property insurance (Balboa Insurance Company), please let me know. I have a powerful law firm in Minneapolis, Nichols Kaster PLLP, Attorney Kai Richter, who may be interested in talking with you. Email me at email@example.com
for what you will need.
If you need an attorney in CA, I have developed relationships with some of the best. Be careful. Don't just go out and randomly select an attorney because he/she says they specialize in foreclosures. DON'T DO IT. You must know who is winning their cases, who has taken cases to the Appellate level, what defense they use, do they understand securitization and its implications, etc. etc. Some who I have great respect for are: George Nicoletti, practicing in Ventura County in State Court; Gordon Dickson in Los Angeles, Michael Finley in Southern CA. to name a few. Jeff Barnes practices in many States. Gary Dubin is an excellent attorney in Hawaii.
In addition, Neil Garfield, an attorney in Arizona, is developing a network of foreclosure attorneys throughout the U.S. I'll keep you informed as that develops. You can learn much about this fraudclosure from his website LivingLies.wordpress.com.
The good news is, these dirty little deeds are beginning to be exposed. There are investigative reporters at the New York Times (Gretchen Morgensen), ProPublica (Paul Kiel), Huffington Post to name a few. There was Dylan Ratigan who was a real fighter for justice, but has just recently changed career direction. I'll miss him greatly.
I'm sorry I have no room to write more. Please feel free to email me to be put on my googlegroup email list and stay updated.
I'm sorry for all of you that have had to suffer at the hands of Aurora. Our group is here to support you and keep you informed. Don't give up the fight!!