MR. AND MRS. ABERCROMBIE’s RETIREMENT BEACH HOME
The Foreclosure-Conglomerate Meat Grinder devours another.....
I passed by Hazel and Pete Abercrombie’s (not their real name) beach place today. It is a modest affair. A double-wide manufactured home with a quarter view of the ocean.
The neighborhood has the 1970’s feel to it; when upscale was not on anybody’s mind. Now, time has taken it’s toll. The roads are gravel with the appropriate number of large potholes. The development’s sign weathered.
Yet, the beach is not far away with peeks available from their porch. A real estate brochure would call it an ocean front view deck.
There is something amiss as one appreciates the setting. There are funny papers taped to their windows. Upon closer inspection one discerns these are the kind of papers neighbors instantly see. They are legal eviction papers. I shouldn’t have looked, but I did. I found eviction papers from Janaya Carter of Seattle.
Profile and Professional Affiliations:
Janaya is senior counsel at Routh Crabtree Olsen, P.S. Her practice focuses on representation of institutional lenders in post-foreclosure evictions, bankruptcy, title issues, and lien defense litigation. She is a member of the Mortgage Bankers Association, Association of Professional Mortgage Women and REOMAC.
+ J.D., Seattle University School of Law, 2002
+ B.A., University of Washington, 1999
(*HER EVICTION PAPERS ARE SEEN ON FLOOR>>)
Routh Crabtree and Olsen law firm conglomerate does it all in ‘foreclosure world’. There is a dark side. Routh’s Lake Oswego lawyer Ian Kyle is on record for filing fraudulent documents in Natache’s case. Natache’s case is a bellwether foreclosure case in Oregon. Lawyer fraud is perfectly ok with U.S. District Court Magistrate Judge Paul Papak, but not with his boss, U.S. District Court Judge Garr King. Judge King ruled that the bank had made a fatal mistake in Natache’s case. Natache remains in her house. Not Hazel and Pete, sadly. It is because our leaders and the media have failed them. Here is the conglomerate agent of their demise:
Routh Crabtree Olsen, P.S. is a full-service mortgage banking law firm dedicated to the representation of the mortgage banking and default servicing industry. Originally established in 1979 as a boutique firm catering to the needs of lenders and financial services organizations in Anchorage, Alaska, the firm has grown to include offices in nine western states.
Almost everything is gone inside Hazel and Pete’s house. A little detritus and a dated shag rug. It is not easy to see through the legal papers taped here and there. The real papers are wadded up on an uneven porch floor; in a heap (see above*). Like someone tore them off the door, looked at them and dropped them to the floor in despair. Anger even.
Some beach places have a sterile look to them, but not this one. This one looks warm and cozy with a charming back yard.
I wonder where Hazel and Pete are now? Did they get to take their stuff?
I wonder what excitement they had when they first moved in there. Did they have grandchildren visit. But, right now, Brian Moynihan, CEO of BofA is visiting them through Janaya, a coworker of Ian Kyle. Mr. Ken Lewis as CEO of BofA did these bad loans in 2008 and before. But, here is something only you, I and Natache know. Ian Kyle lies. He lies for Bank of America. If he lies for BofA then Janaya lies for BofA. Then the Routh law firm lies on a massive scale. Hazel and Pete don’t know this.
Yet, there is lying on a higher scale right here in Oregon. You see, Bank of America and others are committing fraud on an admitted national scale and are hoping you won’t understand it, so won’t tell Hazel and Pete.
Fraud on a Grand Scale
You may have heard about Robo signing. That is kid stuff compared to what is happening here.
Here is what is important to Hazel and Pete. When Bank of America did their loans to Hazel and Pete, they made several mistakes. First, they didn’t keep track of the blue ink copies of the loan documents. No documentation, no legal right to foreclosure evictions. Legally, Bank of America can’t foreclose without those original blue ink copies.
Second, Bank of America separated the loan documents from the lien documents. When they did that, the lien comes off the property and cannot be put back on the property. That is the law in USA for the last 150 years.
But, nobody told Hazel and Pete about this. Not Governor Kitzhaber. Not Oregon Attorney General Kroger (retired). Not Supreme Court Justice Paul De Muniz. (retired). Not Bank of America. Not Oregon Legal Aid. Not your friendly local lawyer. Not liar lawyers Janaya and Ian Kyle at the Routh law firm. Only me .
So, somewhere Hazel and Pete are anguishing about this setback in their lives. Meanwhile, no one in leadership either in Oregon or in Charlotte, North Carolina where Bank of America resides-----no one is telling Hazel and Pete that this eviction and foreclosure are illegal. No one in the media is really hip to the scope of the problem though they should be. Oregon Attorney General Ellen Rosenblum, charged with investigating fraud on Hazel and Pete, hired Jeff Manning, Oregonian reporter who wrote on this type of fraud in 2010, but nobody was listening.
Think I am overstating it? You see, Robo signing is what all the State Attorney Generals settled with Bank of America on, this year, but did not tell you all the details. Take this line from the 2012 State Attorney General’s settlement document: “The United States of America .... alleges that Bank of America (and others) ...violated, among other laws, the Unfair and Deceptive Acts and Practices laws of the (United States), the False Claims Act, the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, ...and the Bankruptcy Code and Federal Rules of Bankruptcy Procedure.” Bank of America paid over $2 billion dollars to settle. They paid this money because they committed fraud on citizens all across the United States. Not just against Hazel and Pete. But this small settlement has nothing to do with Bank of America’s bad acts against Hazel and Pete. It is just that no one is telling them--Hazel and Pete--- about the OTHER wrongs that Bank of America is doing to honest citizens. Where is the leadership?