Problemas de documentación detiene casos de ejecución hipotecaria

Mortgage document troubles holding up foreclosures
10/02/2010 © Palm Beach Post
Posted: 1:52 p.m. Saturday, Oct. 2, 2010

The technical glitch that Ally Financial is citing for freezing portions of its foreclosure machine could keep Susan Carlsen in her million-dollar Jupiter home for another year. Or, even win her the court case all together. Carlsen's attorney, no doubt like many foreclosure defenders nationwide, plans to take full advantage of the acknowledgments by Ally, JPMorgan Chase and now Bank of America, that legal documents used to repossess people's homes were flawed.

Attorneys for Ally, formerly GMAC, withdrew an affidavit stating how much Carlsen owes on the house last month as it was revealed bank employees swore to personal knowledge of foreclosure documents when they had no such knowledge. The unexpected reprieve for tens of thousands of delinquent borrowers opens legal avenues to slow Florida's so-called "rocket docket" - a blur of quickie foreclosure judgments aided by a summer infusion of $9.6 million to hire additional judges and court employees.

Bank of America detiene las ejecuciónes hipotecarias mientras Fannie Mae interviene

Bank of America slows foreclosures as Fannie Mae steps in
10/02/2010 © South Florida Sun-Sentinel

Bank of America announced it is delaying foreclosures in 23 states – including Florida - - after the Associated Press reported that a bank official acknowledged in a legal proceeding that she signed up to 8,000 foreclosure documents a month and typically didn't read them. 

Bank of America said late Friday it is delaying foreclosures in 23 states, becoming the third major lending institution to acknowledge mortgage documentation problems. Meanwhile, Fannie Mae stepped up efforts to hold lenders accountable, saying it will warn loan servicers to report problems with cases that may violate financial laws.

Bank of America -- one of the largest mortgage lenders in Florida and the nation's largest bank -- did not give an estimate for how many homeowners' cases will be affected in South Florida and elsewhere.
Bank of America spokesman Dan Frahm said the institution was "assessing our existing processes" and would be delaying some actions.

The Federal National Mortgage Association – commonly known as Fannie Mae -- said it is alerting 1,400 loan servicers nationwide that they would be in violation of their contracts on federally-backed Fannie Mae loans if their foreclosure processes don't comply with state and local laws.

JPMorgan Chase congela 56,000 ejecuciones hipotecarias

J.P. Morgan Chase freezes 56,000 foreclosures

The Washington Post

J.P. Morgan Chase issued a freeze on 56,000 foreclosures on Wednesday, acknowledging that some employees may have signed off on documents submitted in support of them without proper review.

Chase spokesman Tom Kelly said the company has requested that the courts not enter judgments in pending matters until the company has had time to re-examine the filings "to verify that the affidavits and other documents meet the standard of personal knowledge or review where that is required."

"While Chase does not expect find any factual problems and that customers have been harmed, but if we do find any cases we will take appropriate action," Kelly said.

In May, a Chase employee named Beth Ann Cottrell said in a sworn deposition that she and her team signed off on up to 18,000 foreclosure affidavits and other documents a month without reviewing them thoroughly.

Another mortgage company, Ally Financial--the nation's fifth largest lender--on Sept. 20 halted evictions and resale of repossessed homes in 23 states. Jeffrey Stephan, a document processor for the company, admitted that he had signed off on 10,000 pieces of foreclosure paperwork a month without reading them.

State attorneys in at least nine states have announced investigations into the matter.

By Ariana Eunjung Cha | September 29, 2010; 5:07 PM ET

Jueces en Florida niegan casos a favor de bancos

MONDAY, SEPTEMBER 27, 2010

Florida’s Kangaroo Foreclosure Courts: Judges Denying Due Process on Behalf of Banks

Florida is ground zero of the foreclosure crisis. In addition to being one of the epicenters of the housing meltdown, it has also become the jurisdiction where local lawyers have been the most effective overall in unearthing how servicers and foreclosure mills have engaged in widespread document fabrications and use of improper affidavits to foreclose.

This abuse of contracts and legal procedures matters because the courts are the last bastion of defense of the individual. Even libertarians, who keenly oppose government mission creep, give courts an elevated role as a protector of rights.

Given the success that local attorneys are having (it has reached the point where the state attorney general’s office has opened an investigation into three so-called foreclosure mills operating in the state), pushback by the mortgage industrial complex was inevitable. The old saw about “best government money can buy” now looks to apply to the courts, the one area most people assume to be relatively free from tampering by well funded interests.

The New York Times did report on this development, but its account was such a pale version of what is happening on the ground as to give readers a distorted picture.

These new foreclosure-only courts are special creations of the Florida legislature, funded separately from the usual court system. They are manned by retired judges, which means in many cases they are not familiar with real estate law.

FUBAR Mortgage Behavior: Florida Banks Destroyed Notes; Others Never Transferred Them

FUBAR Mortgage Behavior: Florida Banks Destroyed Notes; Others Never Transferred Them

MONDAY, SEPTEMBER 27, 2010

Before we get to the meat of the post, I have a fun project for readers. Just as “whocoulddanode” has become inextricably linked to the excuses for the failure to see the housing crisis coming, we need a new tag phase for the hopeless tangled mess that the folks who screwed up mortgage securitizations have foisted on Americans. Conceptually, FUBAR (Fucked Up Beyond All Recognition) is accurate, but it is pretty antique as far as slang goes, so we need a new term. Ideas encouraged.

But to give readers the latest report of modern FUBAR, mortgage edition, let us continue with the sorry saga of “Where’s My Note?” For the benefit of newbies, what everyone calls a mortgage actually has two components: the note, which is the borrower IOU, and the mortgage (in some states, it’s called a deed of trust) which is the lien on the property. In 45 states, the mortgage is a mere accessory to the note; you must be the real party of interest in the note in order to foreclose.

The pooling and servicing agreement, which governs who does what when in a mortgage securitization, requires the note to be endorsed (just like a check, signed by one party over to the next), showing the full chain of title, and the minimum conveyance chain is A (originator) => B (sponsor) => C (depositor) => D (trust). The endorsements also have to be wet ink; no electronic signatures permitted.

I’ve had a lot of anecdotal evidence to support the idea that these procedures, which were created in the early days of mortgage securitizations, were simply not observed on a widespread, if not a universal basis. My sense is that the breakdown in practice was well underway by 2004, but it may have taken place earlier. For instance, a group of over 100 lawyers in a loose network around Max Garndner, a North Carolina bankruptcy lawyer who has taken a serious interest in this area, now has a standing joke that the first one that finds a deal where the note was correctly endorsed must bronze it and hang it on their wall. In other words, in none of the cases this large group has seen were the notes transferred to the trust properly.

Titulos usados por Jeffrey Stephan de GMAC

FORECLOSURE FRAUD – TITLES USED BY JEFFREY STEPHAN OF GMAC

Posted by 4closureFraud on September 17, 2010

Jeffrey Stephan,  who actually works for GMAC Mortgage Corp. in Montgomery County, PA, signs thousands of Mortgage Assignments each month as an officer of other banks and mortgage companies in order to transfer mortgages TO GMAC.

In Florida, the law firms that regularly present documents signed by Jeffrey Stephans as “proof” that GMAC has standing to foreclose include The Law Offices of Marshall Watson, The Law Offices of David Stern and Florida Default Law Group.

Stephan has admitted in depositions that he has no personal knowledge of the facts of documents he signs, does not verify the facts, and often does not sign in front of a notary (though the documents are eventually notarized).

Titles used by Jeffrey Stephan include the following:

NYT: Florida tiene una respuesta rápida al desastre hipotecario

September 4, 2010

Florida’s High-Speed Answer to a Foreclosure Mess

By GRETCHEN MORGENSON and GERALDINE FABRIKANT

TEN days from now, a four-bedroom house on a cul-de-sac in Middleburg, Fla., is scheduled to be auctioned off at the Clay County courthouse, 25 miles south of Jacksonville.

A judge who recently took over their foreclosure case has ordered Rodney Waters; his fiancée, Terri Reese; and their four children to leave the home they bought in 2006.

Mr. Waters, a supervisor at a local packaging company and the family’s sole breadwinner, fell behind on his mortgage two years ago after his property taxes jumped unexpectedly. He now owes $264,000 on the house; a similar home down the street sold for $138,500 in February.

The predicament of the Waters-Reese family is common in Florida today. The state routinely sets new records for foreclosures — in the second quarter, 20.13 percent of its mortgages were delinquent or in foreclosure, a national high, according to the Mortgage Bankers Association. And with housing prices still in a free fall, almost half of all borrowers in Florida owe more on their mortgages than their properties are worth, says CoreLogic, a data firm.

Investigan bufetes de abogados de ejecuciones hipotecarias

Attorney General Bill McCollum News Release

August 10, 2010
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

Bufetes de abogados de Florida reciben citación judicial por presentar documentación para ejecuciones hipotecarias

TALLAHASSEE (FL) – El Procurador General, Bill McCollum, anunció hoy que su oficina inició tres investigaciones nuevas sobre las imputaciones de acciones desleales y engañosas por parte de bufetes de Florida que manejaban casos de ejecución hipotecaria. La División de Delitos Económicos del Procurador General está investigando si se presentó documentación inadecuada ante los tribunales de Florida para acelerar los procesos de ejecución hipotecaria, posiblemente sin el consentimiento de los propietarios.

Las investigaciones nuevas nombran a Law Offices of Marshall C. Watson, P.A.; Shapiro & Fishman, LLP; y a Law Offices of David J. Stern, P.A. Los bufetes fueron contratados por prestamistas para iniciar el proceso de ejecución hipotecaria cuando los consumidores estuvieran atrasados en el pago de sus hipotecas.

Continuar leyendo aquí:
http://www.myfloridalegal.com/newsrel.nsf/newsreleases/2BAC1AF2A61BBA398525777B0051BB30?Open&LN=SP

Cuales son tus derechos cuando la deuda es vendida o tranferida

Esta información fue obtenida del sitio en internet de la Federal Trade Commission (FTC) y esta relacionada a los derechos del propietario en relación a la venta o transferencia del servidor de la deuda hipotecaria y de la Nota o préstamo hipotecario:

. . . .

Transfer of Loan Ownership

The ownership and servicing rights of your loan may be handled by one company or two. If ownership of your loan is transferred, the new owner must give you a notice that includes:

• the name, address and telephone number of the new owner of the loan
• the date the new owner takes possession of the loan
• the person who is authorized to receive legal notices and can resolve issues about loan payments
• where the transfer of ownership is recorded.

The new owner must give you this notice within 30 days of taking possession of the loan. It is in addition to any notices you may get about the transfer of the servicing rights for your loan.

Inquiries and Disputes

Under federal law, your mortgage servicer must respond promptly to written inquiries, known as “qualified written requests” (see Sample Complaint Letter). If you believe you’ve been charged a penalty, late fee or some other fee by mistake, or if you have other problems with the servicing of your loan, write to your servicer. Include your account number and explain why you believe your account is incorrect. Send your correspondence to the address the servicer specifies for qualified written requests.

Source:

http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea10.shtm

Finding Pooling and Servicing Agreements is Key to Killing Your Foreclosure Case!

May 28th, 2010 | Author: Matthew D. Weidner, Esq.

If you’re being sued by any entity acting as a trustee, i.e. “US BANK as trustee for the HP Series 2006-c Certificate Holders”, you need to be aware of a variety of issues that may be helpful in your case. I will start another series of video blog posts on the “Capacity Argument”, because this argument works in nearly every case, but it is particularly appropriate in cases where Plaintiff is an exotic, alphabet soup Foreclosure Frankenstein.

Individual mortgages originated by lenders like New Century and Argent were pooled into groups of approximately 8,000 mortgages from around the country to form a Mortgage Trust which held mortgages which had (on paper at least) cumulative values of between 10-12 million dollars. These mortgages that were grouped together and given a name like “HSI ASSETT SECURITIZATION CORPORATION TRUST 2006-OPT2″. Interests in these mortgage trusts were then sold to teachers unions, investment funds and other institutional sources around the world. Before selling the interests in these trusts, the institutional investors were required to prepare the contract that would govern the rights between the depositor of the mortgages, trustee of the new trust and the company that would be responsible for collecting payments from homeowners and sending those payments out to those who had invested in the trust. This contract is called the Pooling and Servicing Agreement. The important thing about the Pooling and Servicing Agreement is you will find in virtually every case that all of the parties who are involved violate nearly every provision of their own Pooling and Servicing Agreement. This has important consequences that we will talk more about later, but the Securities and Exchange Commission rules requires these trusts to provide important other reporting information that was widely ignored or worse, falsified by the entities in control of these trusts. Finding such information can be a key to defending your case.

Geenspan, Bancos, y el Congreso parte del "Con Job"

Dylan Ratigan Explains 'Con Job': Greenspan, Banks, Congress To Blame

First Posted: 04- 7-10 06:16 PM   |   Updated: 04- 8-10 02:06 AM


Dylan Ratigan sought to explain the causes and scope of the of the financial crisis Wednesday. Calling it a "con job," Ratigan identified former Federal Reserve Chairman Alan Greenspan as a godfather-like figure at the helm of the alleged scam. Ratigan argued that Greenspan's decisions to keep interest rates at low levels benefitted banks who used the low borrowning rates to lure Americans into taking out more and more loans. Banks didn't maintain enough capital, but that didn't matter, Ratigan said, because--thanks to the government's support of too-big-to-fail banks--the system was rigged and they stood to gain no matter what happened to the loans that they made. Ratigan blamed Congress for "feeding the money" to banks and not looking out for Americans.

Demandan compañia de servicios de modificación de hipotecas

Attorney General Bill McCollum News Release

February 4, 2010
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

Compañía de California demandada por fraude en servicios de rescate de ejecuciones hipotecarias

TALLAHASSEE (FL) – El Procurador General, Bill McCollum, anunció hoy que su oficina ha presentado una demanda contra una compañía de California que brindaba servicios de modificación de préstamo a los propietarios de viviendas en riesgo de ejecución hipotecaria. Según la demanda presentada hoy en el condado de Orange, 21st Century Legal Services, Inc. les cobra honorarios anticipados a los consumidores, lo cual viola la Ley de Prevención de Fraudes en el Rescate de Ejecuciones Hipotecarias de Florida.

Según la demanda del Procurador General la compañía ofrecía servicios de modificación de préstamo a los propietarios de viviendas de Florida por teléfono, por correo postal y por Internet. Una investigación realizada por la División de Delitos Económicos del Procurador General reveló que 21st Century Legal Services cobra honorarios anticipados que ascienden a $2,500 a los propietarios de viviendas que buscan servicios de modificación del préstamo. Además, los consumidores se han quejado de que la compañía no brindó los servicios prometidos y que los consumidores no pueden obtener la devolución de su dinero.

Continuar leyendo aquí:
http://www.myfloridalegal.com/newsrel.nsf/newsreleases/665BF6A02C812CFE852576C0005E5CFB?Open&LN=SP

Demandan por estafa a tres empresas de modificación de hipotecas

Attorney General Bill McCollum News Release

December 22, 2009
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

Procurador General demanda a tres compañías por estafas en la modificación de préstamos

TALLAHASSEE (FL) – El Procurador General, Bill McCollum, anunció hoy que ha iniciado una demanda contra tres empresas que operan en el condado de Miami-Dade, y sus directivos y abogados, sobre imputaciones de prácticas desleales y engañosas respecto de su participación en una estafa en rescates de ejecuciones hipotecarias que afectó a dueños de viviendas en toda la nación. La División de Delitos Económicos del Procurador General comenzó a investigar a Kirkland YOUNG LLC, en julio, luego de recibir numerosas quejas de los consumidores de Florida contra la compañía. Durante la investigación, se descubrió que Attorney Aid LLC y ABK Consultants estaban afiliadas con Kirkland Young LLC.


Continuar leyendo aquí:
http://www.myfloridalegal.com/newsrel.nsf/newsreleases/EB874D2C60EE900D85257694004E3A77?Open&LN=SP

Procurador General de Florida se reúne con ejecutivos de bancos

Attorney General Bill McCollum News Release

November 17, 2009
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

Procurador General envía cartas a los ejecutivos de bancos de Florida

TALLAHASSEE (FL) – El Procurador General McCollum envió hoy una carta a los ejecutivos de los bancos Bank of America, JP Morgan/Chase, Wells Fargo y Wachovia en Florida, en la cual los invita a que ofrezcan un proceso justo y eficiente de modificación del préstamo a los propietarios de viviendas. El Procurador General también les solicita a los ejecutivos una reunión con él con el fin de tratar la responsabilidad de los bancos para ayudar a solucionar la crisis en el sector de la vivienda.

“Como Procurador General de Florida, me he enterado de que son centenares los propietarios en todo nuestro estado que están desesperados por obtener la reducción de sus pagos mensuales o la modificación de las condiciones de su hipoteca para salvar sus hogares”, escribió el Procurador General. “”Los propietarios que tuvieron la oportunidad de recibir un servicio excelente de atención al consumidor por parte de sus bancos en el momento de obtener sus préstamos se sienten ahora frustrados y desilusionados ante la falta de respuesta y de colaboración que recibieron".

Una copia de las cartas se encuentra disponible en línea en http://myfloridalegal.com/webfiles.nsf/WF/MRAY-7XVHX4/$file/BankofAmericaLetter.pdf.

Demandan dos compañias por cobrar por adelantado en rescates de ejecuciones hipotecarias

Attorney General Bill McCollum News Release

November 9, 2009
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

McCollum inicia demanda contra compañías de Florida Central por estafas en modificación de préstamos

TALLAHASSEE (FL) –El Procurador General, Bill McCollum, anunció hoy que su oficina ha iniciado una demanda contra dos compañías de Florida Central y su propietario por acusaciones de que cobraban sumas por adelantado para proveer servicios relacionados con el rescate de ejecuciones hipotecarias. Se supone que National Payment Modification Company y The Bostonian Group, LLC, que opera con el nombre People’s First, cobraron hasta $2,500 en anticipos de honorarios a los dueños que trataban de rescatar sus viviendas de la ejecución hipotecaria.

En la demanda, también se menciona a William Rodriguez, quien es el dueño de ambas compañías y también es el propietario fundador de Wineberg, Lopez, & Rodriguez Company. La Oficina del Procurador General demandó a esta última compañía en marzo y obtuvo una medida cautelar de emergencia que prohíbe a la compañía cobrar honorarios anticipados a los propietarios por servicios de rescate de ejecuciones hipotecarias. Esa causa está aún pendiente en el Tribunal de Circuito del condado de Orange.

Continuar leyendo aquí:
http://www.myfloridalegal.com/newsrel.nsf/newsreleases/7DDB8E6095C0EE4585257669005BD027?Open&LN=SP

Ejecución Hipotecaria? No empaque todavía

Facing foreclosure? Don't pack just yet

Banks are starting foreclosures and then walking away. It may sound like a gift, but you've got to know how to protect yourself from the legal fallout.

By Marilyn Lewis of MSN Real Estate

Across the country, banks are starting to foreclose on homeowners and then, often with no word or explanation, failing to take possession of the home. From Ohio to Indiana, from New York to Florida and Missouri, these abandoned foreclosures have become common enough that real-estate professionals have coined a name: "bank walkaways."

For homeowners, this can sound like great news: The bank goes away, you get your house back without a mortgage and life goes happily on, you might think. But of course nothing is that simple.

"I know several people who are thrilled by their situation," says Judith Fox, a consumer law expert at the Notre Dame Law School. "But I don't think they should be that thrilled. I think they have inherited a legal nightmare."

But Fox says her advice on when to move out has changed in recent years: "I used to tell people when they got the notice for the sheriff's sale, 'Move!' But I am not telling people to do this now."

She has several clients who moved out after getting foreclosure notices. Their banks, however, failed to finish the foreclosures. The homeowners, who thought they'd lost their homes, were sued by their cities for failing to maintain the abandoned properties, which were still in their names.


Continuar leyendo aquí:
http://realestate.msn.com/article.aspx?cp-documentid=21782888&page=2

Asignan $700K en subsidios a organizaciones de defensa contra ejecuciones hipotecarias

Attorney General Bill McCollum

September 3, 2009
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

Procurador General Entrega $700,000 en Subsidios a Traves del Fondo de Defensa de Ejecuciones Hipotecarias

TALLAHASSEE (FL) – El Procurador General, Bill McCollum, y la Fundación del Colegio de Abogados de Florida asignaron hoy aproximadamente $700,000 en subsidios a varias organizaciones sin fines de lucro del sur de Florida para financiar el trabajo gratuito de defensa legal de las ejecuciones hipotecarias. Durante dos años, se contará con un total de $4 millones en todo el estado para contratar abogados y asistentes legales que brinden asistencia gratuita a dueños de viviendas que enfrentan ejecuciones hipotecarias. Los subsidios se financiaron a través del acuerdo del Procurador General con Countrywide Financial en octubre pasado.

“Muchos ciudadanos del sur de Florida tienen una necesidad apremiante de asistencia para salvar sus casas de la ejecución”, dijo el Procurador General McCollum. “Confío en que los abogados contratados con estos subsidios cambiarán mucho la situación de las familias que ayuden”.

Legal Aid Service of Broward County, Inc. recibirá $340,000 en subsidios; la Asociación de Abogados Cubano Estadounidenses, Spanish American League Against Discrimination, Inc. (Liga Hispanoamericana contra la Discriminación) y Legal Services of Greater Miami, Inc. en colaboración con la Asociación de Abogados Haitianos recibirán, cada una, $85,000; Legal Services of Greater Miami, Inc. recibirá también otros $104,700 de financiación.

Continuar leyendo aquí:
http://www.myfloridalegal.com/newsrel.nsf/newsreleases/D54B214AC8AC3BFC8525762600630D9E?Open&LN=SP

Asignan $85K a fundación para la defensa contra ejecuciones hipotecarias

Attorney General Bill McCollum News Release

August 31, 2009
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

McCollum: Legal Aid del condado de Orange recibe $85,000 a través del fondo para la defensa contra ejecuciones hipotecarias

TALLAHASSEE (FL) – El Procurador General, Bill McCollum, y la Fundación del Colegio de Abogados de Florida entregaron hoy $85,000 a la Sociedad de Ayuda Legal de la Asociación de Abogados del condado de Orange para destinarlos al nuevo programa de asistencia en la defensa contra ejecuciones hipotecarias. El programa está financiado con dinero obtenido por el Procurador General a través un acuerdo con Countrywide Financial. Durante dos años, se contará con un total de $4 millones para financiar otros puestos de abogados y asistentes legales que se dediquen a brindar asistencia gratuita a dueños de viviendas que enfrentan ejecuciones hipotecarias y no pueden pagar servicios de defensa legal.

“Estos fondos nos permitirán proveer asistencia legal directa a los propietarios de Florida Central que intenten salvar sus viviendas”, dijo el Procurador General McCollum.

Continuar leyendo aquí:
http://www.myfloridalegal.com/newsrel.nsf/newsreleases/E422A430E21118BF85257623004DB8D7?Open&LN=SP

Demandan compañia de rescate de ejecuciones hipotecarias

Attorney General Bill McCollum News Release

August 21, 2009
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

Demanda por fraude contra compañía de rescate de ejecuciones hipotecarias de Kissimmee

~ Se supone que la compañía dirigió una estafa en rescates de ejecuciones hipotecarias a la comunidad hispana ~

TALLAHASSEE (FL) – El Procurador General, Bill McCollum, inició hoy una demanda contra una compañía de Kissimmee por acusaciones de que ésta dirigió una maniobra de fraude en el rescate de ejecuciones hipotecarias contra los hispanos. Supuestamente, JPB Consulting Inc. y su presidente, Juan P. Bordali, cobraban sumas por adelantado de más de $1,000 por cliente a los propietarios que estaban a punto de perder sus casas, pero nunca proveía sus servicios. Cobrar anticipos antes de completar los servicios de rescate de ejecuciones hipotecarias es una violación directa a la Ley de Florida de Prevención del Fraude en Rescates de Ejecuciones Hipotecarias.

“Abusar de las personas que están por perder sus casas y engañarlas para que crean que se les está ofreciendo una ayuda auténtica constituye un atropello”, dijo el Procurador General McCollum.

Continuar leyendo aquí:
http://www.myfloridalegal.com/newsrel.nsf/newsreleases/766727F7FAD8DADE8525761900528380?Open&LN=SP

Agencias Federales y Estatales se Enfocan en Estafas de Rescate de Ejecución Hipotecaria y Modificación de Préstamos

Para Su Difusión: 07/15/2009

La FTC Lidera la ‘Operación Mentiras de Préstamo’ para Detener el

Fraude y Ayudar a los Propietarios de Vivienda Preocupados

El Chairman de la Comisión Federal de Comercio (Federal Trade Commission, FTC), Jon Leibowitz, se unió hoy al Fiscal General de California Jerry Brown para anunciar la ‘Operación Mentiras de Préstamo, un esfuerzo coordinado de cumplimiento de ley para parar fraudes relacionados a modificación de préstamos.  El operativo envuelve 189 acciones de ley tomadas por 25 agencias federales y estatales contra demandados que falsamente mercadeaban servicios de rescate de ejecución hipotecaria y modificación de préstamo.  Las acciones de la FTC, las cuales afectan a consumidores de toda la nación, están siendo anunciadas en el sur de California, donde se originan los fraudes.

El Chairman de la FTC Jon Leibowitz dijo al respecto: “Estos estafadores ven los altos índices de ejecuciones hipotecarias como una oportunidad para aprovecharse de las personas en problemas.  Prometen rescatar a los dueños de casa que estén ahogados en deudas, pero después de que toman su dinero le tiran un ancla en lugar de una soga para salvarlos”.

Con las cuatro demandas judiciales de la FTC anunciadas en el día de hoy,  la cantidad de casos de rescate de ejecución hipotecaria y modificación de préstamo entablados por la Comisión desde abril se eleva a 14.  Veinte y tres fiscales generales estatales y otras agencias están anunciando acciones contra 178 compañías comprometidas en estos tipos de fraude.  Además, la FTC anuncio un acuerdo resolutorio de un caso radicado en noviembre.

Coninuar leyendo aquí: http://www.ftc.gov/opa/2009/07/loanlies_sp.shtm

Demandan compañia de modificación de hipotecas en Orlando, FL

Attorney General Bill McCollum

May 8, 2009
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

Procurador General demanda a compañía de modificación de préstamos de Orlando por fraude en ejecuciones hipotecarias

TALLAHASSEE (FL) – El Procurador General, Bill McCollum, anunció hoy que su oficina ha iniciado una demanda contra una compañía de modificación de préstamos de Orlando en la que sostiene que la compañía estaba cometiendo fraude en rescates de ejecuciones hipotecarias. La demanda iniciada hoy en el Tribunal de Circuito del condado de Seminole menciona a la compañía Three Angels Community Action Network y a su presidente, Sherrard A. Haugabrooks. En ella se afirma, específicamente, que se cometieron violaciones a la Ley 501.1377 de Florida sobre Rescates de Ejecuciones Hipotecarias.

Los miembros de la División de Delitos Económicos del Procurador General, que integran la Fuerza Especial contra el Fraude Hipotecario del Procurador General, comenzaron a investigar a Three Angels Community Action Network en febrero de 2009. Supuestamente, la compañía, antes de brindar los servicios de modificación del préstamo, cobraba a los propietarios un anticipo que equivalía, por lo general, al pago mensual de la hipoteca. La demanda establece, además, que los contratos de la compañía con sus clientes no contenían la debida información sobre las disposiciones contractuales que exige la Ley de Rescate de Ejecuciones Hipotecarias de Florida, prioridad legislativa del Procurador General en 2008.

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Countrywide CEO debe responder ante demanda presentada por Procurador General de FL

Attorney General Bill McCollum News Release

April 30, 2009
Media Contact: Jennifer Krell Davis
Phone: (850) 245-0150

McCollum: ex CEO y presidente del directorio de Countrywide debe someterse a juicio en Florida

TALLAHASSEE (FL) – El Procurador General, Bill McCollum, anunció hoy que su oficina obtuvo una orden del tribunal federal que devuelve la demanda del Procurador General contra el ex CEO y presidente del directorio de Countrywide, Angelo R. Mozilo, al Tribunal de Circuito del condado de Broward. La demanda, presentada en el mes de junio pasado, se refiere a prácticas comerciales desleales relacionadas con la supuesta práctica de Countrywide de ubicar a los consumidores en préstamos que no podían pagar o que tenían tazas falsas o confusas. En la demanda se nombró a Mozilo como acusado.

“Angelo Mozilo debe, sin lugar a dudas, presentarse frente al tribunal de Florida y ante sus ciudadanos para responder por sus prácticas comerciales, en especial por las que afectaron a los dueños de viviendas de Florida”, dijo el Procurador General McCollum. “Me complace que el Tribunal Federal enviara la causa de regreso a nuestro tribunal estatal. Mi oficina continuará procesando la causa contra el Sr. Mozilo de manera enérgica".

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Noticias sobre hipotecas y fraudes hipotecarios del Procurador General de Florida 2008-2009

Noticias del Procurador General de la Florida publicadas entre Mayo 2008 y Abril 2009, en relación a fraudes hipotecarios:

Abril 3, 2009: Acuerdo en caso de fraude hipotecario en Orlando
Abril 3, 2009: Procurador General demanda a compañía de Jacksonville por fraude en rescate de ejecuciones hipotecarias
Abril 3, 2009: McCollum obtiene medida cautelar contra una compañía de modificación de préstamos del sur de Florida
Marzo 27, 2009: Medida cautelar temporaria obtenida en juicio por fraude en rescate de ejecuciones hipotecarias
Marzo 26, 2009: Tribunal accede a pedido de orden de emergencia para frenar cobro de anticipos de compañía de rescate de ejecuciones hipotecarias en Florida central
Marzo 26, 2009: Procurador General apela a la cooperación para abordar el fraude hipotecario en el estado

Florida crea el "Task Force on Residential Mortgage Cases"

La corte suprema de la Florida presentó hoy una orden administrativa en la cual informa sobre la creación de Task Force on Residential Mortgage Foreclosure Cases.

La orden puede ser vista en este link.

Wall Street Journal: Culpe a la televisión for la burbuja inmobiliaria

Blame Television for the Bubble

Opinion JANUARY 3 2009

THE WALL STREET JOURNAL

By JIM SOLLISC

The real housing villain is on cable.

So now we know what happens when too many people who have too few assets buy too much house with the help of too many risky mortgage products and too little oversight. And while there's plenty of blame to go around -- unethical mortgage brokers, greedy bankers and irresponsible homeowners -- one culprit continues to get off scot-free: HGTV.



That's right. The cable network HGTV is the real villain of the economic meltdown. As the viewership reached a critical mass over the past decade -- HGTV is now broadcast into 91 million homes -- homeowners began experiencing deep angst. Suddenly no one but the most slovenly and unambitious were satisfied with their houses. It didn't matter if you lived in an apartment or a gated community, one episode of "House Hunters" or "What's My House Worth?" and you were convinced you needed more. More square feet. More granite. More stainless steel appliances. More landscaping. More media rooms. More style. You deserved it.


If you had any doubts about your ability to afford such luxuries, all you had to do was look at the 20-something couple in the latest episode choosing between three houses. Should they go for the fixer-upper, priced at $425,000? Or the one with the pool for $550,000? What about the one with room to grow for $675,000?

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