Chain of Title (57 page)

“NINJA” loans,
31

non-judicial foreclosures,
94
,
101
,
181–185
,
189
,
218
,
247

No One Leaves (Springfield, MA),
267

notaries/notarizations:

    
backdating,
86
,
166–167
,
203

    
electronic notarizations,
225–226

    
Erin Cullaro case,
103–104
,
126–127
,
175
,
177–178

    
Function of,
46
,
116

    
Gary Trafford/Gerri Sheppard case,
270–273

    
irregularities,
90
,
106
,
125
,
128
,
148
,
161
,
171
,
202
,
209–210
,
216–217
,
228–229
,
237
,
243
,
252
,
260

    
Lisa Epstein's mortgage documents,
43
,
49
,
99

    
Lynn Szymoniak's mortgage documents,
138–139
,
141

Nurses' Coalition Against Homelessness,
106–107

Obama, Barack,
35
,
67
,
158
,
208
,
218
,
225–226
,
230–231
,
276–277
,
296

O'Brien, John,
252–253
,
285
,
302

Occupy Our Homes,
268–269
,
296
,
311

Occupy Wall Street,
265
,
267–269
,
285
,
310

Ocwen,
58
,
85
,
91
,
118
,
201
,
264–265
,
304

Office of the Comptroller of the Currency,
32
,
99
,
255
,
300

Ohde, Jessica,
145

Old Republic National Title Insurance,
220

Olenick, Michael,
202
,
218
,
245
,
250

Olick, Diana,
220

OneWest Bank,
124–125

Option One,
29
,
71
,
136–139

Palm Beach Chamber of Commerce,
292

Palm Beach County Bar Association,
198

Palm Beach Post
,
192
,
218
,
222
,
244
,
258–259
,
285
,
290
,
293

Parker, Chip,
185
,
187
,
257

Parsons, Virginia,
157
,
241

Pelley, Scott,
245–246
,
248
,
250

Pendley, Chris,
246
,
248

Perpetual Savings,
22

Peterson, Christopher,
48–49

PHH Mortgage,
111

Phoenix Light v. JPMorgan Chase
,
295

PICO,
238

PigsAss.org
,
181–183
,
189

Pimco,
232

PNC Bank,
109
,
197

pooling and servicing agreements,
18
,
34
,
37–38
,
41–42
,
48–49
,
102
,
110
,
114–115
,
166
,
171
,
197
,
236
,
243
,
270

Porter, Katherine,
39
,
233–234

Powell, Robyn,
73–74

Powers, Judge Keith,
211–213

principal reduction,
67
,
117
,
260
,
279
,
296
,
299

process service,
2–3
,
87
,
120
,
123–124
,
182
,
228
,
284

promissory notes:

    
allegations of destruction of,
110

    
failure to convey notes to trusts,
36–37
,
39
,
74
,
95
,
169
,
199
,
236
,
241
,
255–256

    
irregularities,
65
,
68–70
,
74
,
96
,
115
,
119
,
125
,
153
,
191
,
197
,
207
,
213
,
216
,
219–220
,
227–228
,
296
,
305
,
307

    
Lisa Epstein case,
34
,
36
,
40–43
,
45
,
100

    
lost note counts/affidavits,
34
,
36
,
40–41
,
114
,
116
,
136–137
,
153
,
163
,
193
,
207
,
217–218
,
295

    
Lynn Szymoniak case,
136–137
,
139–140
,
281

    
Nye Lavalle case,
53–55
,
57

    
role of MERS,
48
,
193

    
“show me the note” defense,
118
,
224

pro se
litigants,
36
,
40
,
64
,
75
,
87
,
96
,
105
,
158
,
187
,
194

public pension funds,
265

Qualified Financial,
152

qui tam
lawsuit,
162–163
,
169–171
,
199
,
201
,
227
,
245
,
280
,
282
,
297–298

Racketeer Influenced and Corrupt Organizations (RICO) Act,
147

Rally in Tally,
184–190
,
192
,
203
,
247
,
259
,
276
,
306

Ranieri, Lew,
21–24
,
27

Ratigan, Dylan,
222–223
,
234

Reagan, Ronald,
23

Real estate mortgage investment conduit (REMIC),
23–24
,
38–39
,
114–115
,
169–170
,
262
,
295
,
301

Real Estate Settlement Procedures Act,
224

redlining,
29

Redman, Jennifer,
80–87
,
93
,
103
,
173
,
186–187
,
239
,
264
,
304

Redman, Michael:

    
activism,
87–88
,
106–112
,
149–154
,
180–184
,
186–187
,
189
,
195
,
204–206
,
214–215
,
221
,
223
,
230
,
234
,
238–240
,
246–247
,
256
,
262
,
264
,
268

    
aftermath of activism,
303–312

    
creation and maintenance of
4closureFraud
,
91
,
127
,
131–132
,
144–145
,
151–152
,
154–157
,
160
,
167
,
190
,
193
,
205
,
210
,
213
,
229
,
231–232
,
237
,
254
,
266
,
278

    
early life and career,
79–83

    
foreclosure,
83–85
,
87

    
guide to looking up public records,
88–92
,
99–100

    
HR 3808,
225–226

    
interaction with Lisa Epstein,
71
,
75
,
77–78
,
88
,
90
,
93–94
,
100–104
,
106
,
108–112
,
172–174
,
180–184
,
198
,
250–252

    
interaction with Lynn Szymoniak,
149–151
,
169
,
281

    
research on foreclosure fraud,
85–87
,
197
,
231–232

    
role in Lisa Epstein's political campaign,
286
,
289–290
,
293
,
308

    
work with foreclosure defense lawyers,
126–128
,
164–165
,
175–176
,
257–259
,
304–307

    
work with state and federal investigations,
176–179

    
work with the media,
72
,
88
,
105
,
192–193
,
218
,
222

Redman, Nicole,
83
,
92
,
173
,
186
,
246
,
303
,
308

Reed, Kasim,
296

registers of deeds.
See
clerks of courts

Residential Mortgage-Backed Securities (RMBS) working group,
277–278
,
285
,
300–301

Resolution Trust Corporation,
54

Richardson, Denise,
157

Ritholtz, Barry,
219–220

robo-signing,
58
,
128
,
171
,
191
,
197
,
200–201
,
208–209
,
214
,
216–218
,
220–221
,
227
,
230–231
,
241
,
253
,
261
,
272
,
274
,
277–278
,
282
,
289
,
293–294
,
298
,
300
,
302
,
305–307

robo-verifiers,
197
,
306–307

robo-witnesses,
305–306

Rockenbach, Kara,
198

“rocket docket,”
64
,
194
,
206–208
,
223
,
231
,
237
,
256–257
,
306
,
308

Rondolino, Judge Anthony,
191
,
203

Roosevelt, Franklin,
18–19

Roosevelt Institute,
234

Rosen, Evan,
239
,
304–308

Rucci, Grace,
109
,
186
,
196
,
247
,
288

Ruetenik, Dan,
245–246

Sadler, Keith,
192

Salomon Brothers,
21–22
,
24

Samons, Cheryl,
165–167
,
202–203
,
228–229
,
263

Santelli, Rick,
16–17

Sarasota
Herald-Tribune
,
97
,
154
,
237

Sasser, Judge Meenu,
73–74
,
145
,
149
,
153–154
,
163
,
195
,
198–199
,
202
,
205

savings and loans (S&Ls),
20
,
22–23
,
28–29
,
51–52
,
54
,
66
,
210
,
300

Savings of America (SOA),
52–55

Savoia, Tami,
108–109
,
145
,
154

Saxon Mortgage,
73
,
118
,
171
,
284

Schack, Judge Arthur,
69
,
125

Schneiderman, Eric,
232
,
241–242
,
265–266
,
276–278
,
284–285
,
300–301

Schwartztol, Larry.
See
American Civil Liberties Union (ACLU)

Scott, Kelly,
229

Scott, Rick,
203
,
256

Secondary Mortgage Market Enhancement Act (SMMEA),
23

Secret Service,
205

Securities and Exchange Commission (SEC),
17
,
55
,
59
,
161
,
168
,
202
,
217
,
278
,
300

securitization:

    
definition and structure,
24–25
,
36–37

    
fabrication of securitization agreement,
218

    
federal investigation,
277
,
300–301

    
history of,
21–24

    
housing bubble securitizations,
30–33

    
Lisa Epstein research,
40
,
72
,
100
,
285