About The Hut Master

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The Hut Master protects Homeowners against the SCUMBAG CRIMINAL BANKSTERS (SCB's). Using his expertise in Electrical Engineering and Computer Sciences, The Hut Master has developed a computerized system coupled with relations with Treasury, Fannie, and Freddie. That combination results in our ability to provide the Homeowner with the analytics and NPV model to hold the SCB's to the HAMP Program Directives. Our software and analytics also prevents the SCB's from playing their silly games that include losing paperwork and just flat out LYING to the Homeowner. The Hut Master also minored in Psychology which provides a useful analytic when speaking with the SCB's. This allows the Hut Master to detect and offset any BullShit the SCUMBAG CRIMINAL BANKSTERS can dish up.

Tuesday, May 17, 2011

Protester handcuffed at JPMorgan Chase shareholder meeting

COLUMBUS, Ohio — Shareholders trying to get into JPMorgan Chase & Co.’s annual meeting held Tuesday in this midwestern city were greeted by heavy security and over 400 protesters shouting slogans outside every entrance.

At least one person was handcuffed after a group of about 400 protestors marched up Chase’s property and placed a sign on a raft floating in a pond in the bank’s premises. The sign read: “Foreclosed: Chase sinks our economy.”

Police had each entrance blocked ahead of the meeting, as protesters gathered in the rain and cold chanting slogans such as “Make Banks Pay” and carried signs that said: “Chase gets rich, we lose homes, jobs, services.”

 At least 20 police cruisers circled the building.

Monday, May 16, 2011

Fraudclosure | Bondi: Don’t Cut Homeowners’ Mortgage Principal

Bondi and several attorneys general from other states say principal reduction oversteps the mission of the group that is negotiating with the five banks, and she fears it could turn into a free-for-all of underwater homeowners. The Mortgage Foreclosure Multistate Group should stick to addressing the wrongdoings of loan servicers, she said, instead of trying to dictate how lenders modify problem home loans.

Pushing lenders to forgive part of their mortgage holders’ debt could encourage even responsible homeowners to stop making payments on their loans, in the hope they can eventually get their bank to erase part of their mortgage, Bondi wrote in a recent letter to the head of the working group.

“Some homeowners may simply default on their loan and use the States’ agreement to obtain a principal reduction — whether or not they actually made an effort to maintain their mortgage,” wrote Bondi, who serves on the negotiating group’s executive board.

She called it a potential “moral hazard” that “rewards those who simply choose not to pay their mortgage — because they can simply take advantage of lenders‘ obligation to honor virtually automatic principal write-downs.”

Tuesday, May 10, 2011

SCUMBAG ALERT......... DAVID J. STERN Case Management, “Rocket Docket” style…



The Hut Master’s sources tell us that the SCUMBAG, David J. Stern, will be buried at sea in one of those STOLEN YACHTS SHOWN PARKED OUTSIDE the STOLEN HOUSE in the picture above.
 And.... Just like Osama bin Laden's SCUMBAG ASS, Stern will be washed, and then wrapped in several fraudulent robo-signed documents and slid into the Atlantic Ocean.

Sources also indicate that the hundreds of Military Service men that were wrongly foreclosed by SCUMBAG STERN, will attend to ensure a proper send off. GOD BLESS AMERICA!
Other sources say the 25 “Linda Green” Vice Presidents will not be in attendance as THEY DO NOT EXIST.

Below are the “Rocket Docket” entries of the forthcoming hearings.
Click each one for the .pdf.


Important: Case Management Conference on May 24, 2011 (previous and current David Stern cases)


Important: Case Management Conference on May 26, 2011 (previous and current David Stern cases)


Important: Case Management Conference on May 31, 2011 (previous and current David Stern cases)

Monday, April 25, 2011

Mandelman talks with Ohio's ex-Attorney General about foreclosure crisis and government's inadequate response.


" I explained the accounting implications of principal reductions, so now they know why they’re not being done, and won’t be done until the people of this country understand what caused the crisis and what did not. "


It’s amazing and frustrating to me that even people involved in the foreclosure crisis at senior levels aren’t fully informed as to the causes of the crisis. I straightened this group out, but had I not been there, no one would have ever brought up the points. I raised.  By the way, I come on 33 mins into the show and am on for over an hour.  Lots of people liked it…

Click the link and you should be able to listen to the show.

Mandelman talks with Oho’s ex-Attorney General

Sunday, April 17, 2011

WELLS FARGO LYING SCUMBAGS... Kick Military man to the curb... Hides behind their BULLSHIT.

Military man returns from war to find home foreclosed.



By SHANNON BEHNKEN | The Tampa Tribune

Published: April 15, 2011

CLEARWATER - U.S. Coast Guardsman Keith A. Johnson returned last year from serving overseas to find his bank had foreclosed on his home. It was set to be auctioned off at the courthouse the next day.

It was a shock, Johnson said. He never was served legal notice of the foreclosure lawsuit against him, court documents show.

The lender, Wells Fargo Bank, also failed to serve his wife, although court records show it sent her numerous letters about a modification request — up until a few weeks before a judge granted the foreclosure.

Johnson's case is particularly troubling, military law experts say, because the federal Servicemembers Civil Relief Act is intended to protect military members from losing their homes while away. The act has received national attention in recent months as service members have come forward to complain about foreclosures, and some lenders have admitted to foreclosing in error.

In this case, Wells Fargo told the court it couldn't find Johnson to serve him the suit. So the lender's attorney, in accordance with the Servicemembers act, asked the judge to appoint a guardian ad litem to represent Johnson. The St. Petersburg firm representing Wells Fargo, the Law Office of Douglas C. Zahm, recommended Tampa lawyer Jay D. Passer, and the court approved the appointment.

"It's almost like playing cards against two opposing people and you're by yourself," Johnson said. "On one hand you're playing against this guy, while this guy's over there setting the deck against you."

Three months later, Passer said he also couldn't locate Johnson. He told the court the plaintiff's pleadings "appear to be in compliance" with state law, court records show. That report was key to allowing the foreclosure to proceed.

"That report waived the service member's rights even though the attorney didn't speak with him one time," said Col. John S. Odom Jr., a nationally recognized military lawyer whose book, "A Judge's Guide to the Servicemembers Civil Relief Act," is expected to be released later this year by the American Bar Association.

"The goal of the (ad litem) attorney should not be to move the suit forward," Odom said. "It is to halt the foreclosure until the defendant can defend himself."

Passer told The Tampa Tribune he verified that Johnson was in the Coast Guard but assumed he was living locally.

"I don't think of the Coast Guard as deploying people," Passer said. "It seemed a minimal chance he was overseas. If I had heard anything about him being (overseas), I would have asked the judge for a stay."

That is exactly what should have happened, said Henry P. Trawick Jr., a Sarasota lawyer and author of "Florida Practice and Procedure," a textbook used by lawyers.

"An attorney ad litem is supposed to defend the person just as though they were being paid $1 million a day to do it," Trawick said.

Wells Fargo spokeswoman Vickee Adams said there are details of the case she can't share because of confidentiality laws that protect consumers.

However, she said the lender worked for three years to either modify Johnson's loan or arrange a short sale. She said the couple were aware that the situation was moving toward foreclosure.

"We did everything we could, and there were obligations the homeowner was unable to meet," Adams said. "We followed the service member act by requesting an attorney ad litem, and we were acting on the validity of the court document filed by his court-appointed attorney."

Passer said he sent a letter to the Coast Guard but did not hear back. He told the court he also searched driver's licenses and death records among other databases to try to locate him.

"Some of my lettersweren't returned to me, so I assumed [Johnson] got them," Passer said.

St. Petersburg foreclosure defense attorney lawyer Matt Weidner, Johnson's attorney now, said it would have been easy to find him.

"All he had to do is walk up to the Coast Guard gate in Clearwater and say, 'I need to find this guy,' " Weidner said. "The military knows where their people are."

During the process, Johnson's wife had moved in to a different home in Hillsborough County after the couple had their fourth child and needed more room. The bank didn't have trouble finding her there to discuss modification requests, Weidner said.

Vilisia Johnson said she never received letters about the foreclosure and none of the bank representatives she spoke with on the phone told her about them.

"I'd been working with the bank, month after month after month, and they had never mentioned anything" about the foreclosure lawsuit, she said.

The foreclosure was granted in June, and the home was supposed to be sold in August. Since then it's been in limbo.

If the foreclosure was not proper, Adams said, a judge can reverse it.

"We rescind foreclosure sales all the time," she said.

Meanwhile, Johnson waits on his day in court.

He was granted his emergency request to the court to stop the sale of the home. For now, Johnson is living in the home, but Wells Fargo's judgment still stands.

Johnson said he knows he likely would have lost the home even if he had been served notice of the foreclosure lawsuit, but maybe if he had been, he said, he would have done things differently.

"I hope to get this figured out before I'm sent somewhere else," he said.

Friday, April 15, 2011

SCUMBAG CRIMINAL BANKSTER'S........ Receive a Cold and Dry, HARD ONE (CDHO).


Federal Reserve Press Release


Release Date: April 13, 2011

For Immediate Release


The Federal Reserve Board on Wednesday announced formal enforcement actions requiring 10 banking organizations to address a pattern of misconduct and negligence related to deficient practices in residential mortgage loan servicing and foreclosure processing. These deficiencies represent significant and pervasive compliance failures and unsafe and unsound practices at these institutions.

The Board is taking these actions to ensure that firms under its jurisdiction promptly initiate steps to establish mortgage loan servicing and foreclosure processes that treat customers fairly, are fully compliant with all applicable law, and are safe and sound.

The 10 banking organizations are: Bank of America Corporation; Citigroup Inc.; Ally Financial Inc.; HSBC North America Holdings, Inc.; JPMorgan Chase & Co.; MetLife, Inc.; The PNC Financial Services Group, Inc.; SunTrust Banks, Inc.; U.S. Bancorp; and Wells Fargo & Company. Collectively, these organizations represent 65 percent of the servicing industry, or nearly $6.8 trillion in mortgage balances.

All 10 actions require the parent holding companies to improve holding company oversight of residential mortgage loan servicing and foreclosure processing conducted by bank and nonbank subsidiaries.

In addition, the enforcement actions order the banking organizations that have servicing entities regulated by the Federal Reserve (Ally Financial, SunTrust, and HSBC) to promptly correct the many deficiencies in residential mortgage loan servicing and foreclosure processing. Those deficiencies were identified by examiners during reviews conducted from November 2010 to January 2011.

The Federal Reserve believes monetary sanctions in these cases are appropriate and plans to announce monetary penalties. These monetary penalties will be in addition to the corrective actions that the banking organizations are expected to take pursuant to the enforcement actions.

The enforcement actions complement the actions under consideration by the federal and state regulatory and law enforcement agencies, and do not preclude those agencies from taking additional enforcement action. The Federal Reserve continues to work with other federal and state authorities to resolve these matters.

The actions taken Wednesday require each servicer to take a number of actions, including to make significant revisions to certain residential mortgage loan servicing and foreclosure processing practices. Each servicer must, among other things, submit plans acceptable to the Federal Reserve that:
  • strengthen coordination of communications with borrowers by providing borrowers the name of the person at the servicer who is their primary point of contact;
  • ensure that foreclosures are not pursued once a mortgage has been approved for modification, unless repayments under the modified loan are not made;
  • establish robust controls and oversight over the activities of third-party vendors that provide to the servicers various residential mortgage loan servicing, loss mitigation, or foreclosure-related support, including local counsel in foreclosure or bankruptcy proceedings;
  • provide remediation to borrowers who suffered financial injury as a result of wrongful foreclosures or other deficiencies identified in a review of the foreclosure process; and
  • strengthen programs to ensure compliance with state and federal laws regarding servicing, generally, and foreclosures, in particular.
The Federal Reserve will closely monitor progress at the firms in addressing these matters and will take additional enforcement actions as needed.

In addition to the actions against the banking organizations, the Federal Reserve on Wednesday announced formal enforcement actions against Lender Processing Services, Inc. (LPS), a domestic provider of default-management services and other services related to foreclosures, and against MERSCORP, Inc. (MERS), which provides services related to tracking and registering residential mortgage ownership and servicing, acts as mortgagee of record on behalf of lenders and servicers, and initiates foreclosure actions. These actions address significant compliance failures and unsafe and unsound practices at LPS and its subsidiaries, and at MERS and its subsidiary.

The action requires LPS to address deficient practices related primarily to the document execution services that LPS, through its subsidiaries DocX, LLC, and LPS Default Solutions, Inc., provided to servicers in connection with foreclosures. MERS is required to address significant weaknesses in, among other things, oversight, management supervision, and corporate governance. The LPS action is being taken jointly with the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the Office of Thrift Supervision, while the MERS action is being taken jointly with those agencies and the Federal Housing Finance Agency.

The Federal Reserve Board based its enforcement actions on the findings of the interagency reviews of the major mortgage servicers, LPS, and MERS. A summary of the findings from the reviews of the mortgage servicers is available in the Interagency Review of Foreclosure Policies and Practices, which is simultaneously being released by the Federal Reserve Board and the other agencies.

Attachments:

Sunday, April 10, 2011

The phone rings, you pick it up and WHAM, you've been SCAMMED!




The phone rings, you pick it up, and the caller identifies himself as an officer of the court. He says you failed to report for jury duty and that a warrant is out for your arrest. You say you never received a notice.

To clear it up, the caller says he'll need some information for "verification purposes"-your birth date, social security number, maybe even a credit card number.

This is when you should hang up the phone. It's a scam.

Jury scams have been around for years, but have seen a resurgence in recent months. Communities in more than a dozen states have issued public warnings about cold calls from people claiming to be court officials seeking personal information. As a rule, court officers never ask for confidential information over the phone; they generally correspond with prospective jurors via mail.

The scam's bold simplicity may be what makes it so effective. Facing the unexpected threat of arrest, victims are caught off guard and may be quick to part with some information to defuse the situation.

"They get you scared first," says a special agent in the Minneapolis field office who has heard the complaints.

"They get people saying, 'Oh my gosh! I'm not a criminal. What's going on?'" That's when the scammer dangles a solution-a fine, payable by credit card, that will clear up the problem.

With enough information, scammers can assume your identity and empty your bank accounts.
"It seems like a very simple scam," the agent adds. The trick is putting people on the defensive, then reeling them back in with the promise of a clean slate. "It's kind of ingenious. It's social engineering."

In recent months, communities in Florida, New York, Minnesota, Illinois, Colorado, Oregon, California, Virginia, Oklahoma, Arizona, and New Hampshire reported scams or posted warnings or press releases on their local websites. In August, the federal court system issued a warning on the scam and urged people to call their local District Court office if they receive suspicious calls. In September, the FBI issued a press release about jury scams and suggested victims also contact their local FBI field office.

In March, USA.gov, the federal government’s information website, posted details about jury scams in their Frequently Asked Questions area. The site reported scores of queries on the subject from website visitors and callers seeking information.

The jury scam is a simple variation of the identity-theft ploys that have proliferated in recent years as personal information and good credit have become thieves' preferred prey, particularly on the Internet. Scammers might tap your information to make a purchase on your credit card, but could just as easily sell your information to the highest bidder on the Internet's black market.

Protecting yourself is the key: Never give out personal information when you receive an unsolicited phone calls.