Its no longer about the proud nation we once were, its about America Lost.
Nothing could have said it better than these words from the chief law enforcement officer of the state. He said it because he meant it. And he was sort of right in a twisted way. And he was expressing the frustration of all three branches of government together with nearly everyone including the borrowers. The words were "assuming no underlying injustice."
You see that everyone has become so wrapped up in the paperwork and the arguments about the paperwork nearly everyone has forgotten to ask the most basic question: WAS THERE A TRANSACTION WITH OFFER, ACCEPTANCE AND CONSIDERATION. WHERE IS THE MONEY? where is the canceled check or wire transfer receipt? He was only saying that the fabricated forged paperwork was an acceptable short-cut IF NO INJUSTICE is present. In other words, at the end of the day it is just the collection of a debt. But what if there is no debt? Then what is all that paperwork about?
So to make it clear, what I am saying is that if I loan you money, you owe it to me whether we have anything in writing or not. If I fabricate and forge your signature on it, what's the harm? You got the money, you agreed to pay it back, you still owe what I loaned you. And if the note, forged or not, conforms to the deal the borrower thought they were getting, what difference does it make whether you use the note or not?
Ok, there is a problem with the statute of frauds, and about a dozen other statutes and doctrines that arose to prevent fraud and injustice. So maybe it isn't acceptable to fabricate documents, forge signatures, lie to the courts and otherwise do things that ordinary citizens can and are put in jail for doing the exact same thing.
But so what? You owe me money, you know it and you are not going to get out of owing it just because I committed some crime. I didn't commit a crime in loaning you the money, did I? I committed a crime in collecting it --- and that is what is bothering everyone including even the borrowers.
So why do I write this blog, litigate cases against the "lenders", appear as an expert witness to give opinion evidence and explanations of the finance industry?
Well, let's see. What if I didn't loan you the money, AND I got paid more money than you received in a loan from someone else? Huh? Yes, think about it. What if I didn't loan you the money? What if the paperwork was not just fraudulent and criminally created, what if it was just plain wrong? What if there was no transaction at all between us? Should I still be allowed to collect from you, take your house, your livelihood, your reputation? Might you spot some injustice if you learned that banks, pension funds, governments, investors, the central bank (Federal Reserve), gave me ten times more money than you got on the loan?
You are assuming that because the money showed up at the closing table that the loan was real. But the money on the table was stolen. Oops that does make things a little different doesn't it? And here is the kicker ---- the thief got paid ten times over for making the loan appear real. The only injustice is to investors whose money was stolen and borrowers whose lives were stolen.
But I guess that isn't enough. It is ok to steal, it is ok to lie, It is ok to fabricate documents.it is ok to drain the money from our economy and blow up world commerce. You know, on second thought I don't agree with the Arizona Attorney General. I think he is a paid stooge and an idiot. Because I know him, met him and explained to him what the truth was, Along with his investigation team who like in Florida when they were getting close to an arrest were fired or transferred.
Injustice? Where is there not injustice in this whole thing. We have debased our currency, undermined the financial integrity of our governments, left pensioners with too little money to get the payments they were expecting, and we have taken homes away from people just because someone at the top thinks it is too inconvenient to bring the banks down, put the criminals in jail, and leave the victims without any effective remedy. I thought we were better than that and that people like the Arizona Attorney General should be investigated for corruption. But then I was always an idealist.