In late 2006, the company had grown its capital in reserves
to $361 million, and like all other lenders it couldn’t issue mortgages fast
enough for the Wall Street machine that used them to create high-risk, very
profitable bonds. At the height of the mortgage origination boom, Aegis
employed about 3,500 people, mostly in the Houston area. But Aegis lost it all
in just nine months when the market for mortgage loans tanked.

The failure calls into question the management and health of
Cerberus’s other loan plays. Cerberus owns a majority stake in GMAC and its
mortgage subsidiary ResCap. Thanks to the credit crunch, the ratings agencies
have downgraded ResCap, thus making it more expensive for the company to
operate. The rising cost of capital may hurt Chrysler Financial, too, the
healthy operation within Chrysler that should have been able to help fund the
ailing automaker’s turnaround. At a minimum, Cerberus will take a financial hit
because of Aegis and the bankruptcy is an embarrassment amid the firm’s recent
spate of high-profile acquisitions.

“Cerberus has become a major player in the global
economy. Its many constituents rightly will expect a higher standard of
behavior than was exhibited last week with Aegis,” says Thompson. It’s a
sober reminder that even the vaunted geniuses of private equity can’t save
every company, and that employees – more than investors – are the real victims
when they go under.

Do you think this is a sign of what would happen if more
private equity deals go bust? Tell us what you think.

MORTGAGE ASSIGNMENTS AS EVIDENCE OF FRAUD

   Lynn Szymoniak,
Esq., Editor, Fraud Digest, February 9, 2010

              
(szymoniak@mac.com)

In the past ten years, hundreds of thousands of residential
mortgages were

bundled together (often in groups of about 5,000 mortgages),
and investors

were offered the opportunity to buy shares of each
bundle.  This process is

called securitization.  

Each such bundle of residential mortgages was given a name,
such as

“Soundview Home Loan Trust 2006 OPT-2.”  The name indicates information

about the particular trust such as the year it was created
(2006) and its contents

(with OPT indicating that the loans in that particular trust
were originally made

by Option One Mortgage).

Each such bundle/trust has a Cut Off Date identified in the
trust documents

(specifically, in the Pooling and Servicing Agreement).  The Cut Off Date is the

date on which all mortgage loans in the trust must be
identified.  In short, a final

list of all of the mortgages in the bundle is set out.  Each trust also has a Closing

Date which is the date that the individual mortgages are
transferred to the Trust

Custodian, who must certify that for each mortgage, the
custodian has a

mortgage note endorsed in blank and proof that the ownership
of the note has

been transferred. 
This proof is most often an Assignment of Mortgage. Most

trusts included the following or equivalent language
regarding the Assignments:

“Assignments of the Mortgage Loans to the Trustee (or its
nominee) will not be

recorded in any jurisdiction, but will be delivered to the
Trustee in recordable

form, so that they can be recorded in the event recordation
is necessary in

connection with the servicing of a Mortgage Loan.

”

Title insurance companies issued policies guaranteeing that
the trust had clear

title to the mortgages.

When widespread defaults occurred, Trustees discovered that
the laws regarding

Mortgage Assignments varied significantly from state to
state.  Many issues

regarding such Assignments were simply unresolved.  One of the most significant

issues was whether Mortgage Assignments could be back-dated
or have

retroactive effective dates. 
This issue arose because Trustees and their lawyers

discovered in the foreclosure process that the Assignments
could not actually be

located, or that certain states did not allow blank
Assignments.

To solve the problem of the missing Assignments, new
Assignments were made

and recorded.  Because
the question of retroactive Assignments had not been 2

resolved, most of these Assignments did not set forth the
actual date that the

Assignment took place. 
The Assignments were signed and notarized as if the

transfer took place many years after the actual transfer
date.

The Assignments were prepared by specially selected law
firms and companies

that specialized in providing “mortgage default
services” to banks and mortgage

companies.  In
jurisdictions with a high rate of mortgage defaults, over 80% of

the filed Mortgage Assignments in the last three years were
prepared and filed

by the same five or six law firms and default processing
companies.

In many states, two such Assignments were prepared and
filed. The first was

prepared in the name of Mortgage Electronic Registration
Systems as “nominee”

for the particular bank or mortgage company. When MERS
authority to file

foreclosures and Assignments was challenged in most
jurisdictions, with varying

results, a non-MERS Assignment was prepared as well.

In all of these cases, the Assignment was prepared to
conceal the actual date

that the property was acquired by the Trust.  An examination of the Assignments

filed showing the grantee as the Trust – such as “Soundview
Home Loan Trust

2006 – OPT 2” – shows that most of these Assignments were
prepared and filed

in 2008 and 2009, when, in reality, the mortgages and notes
were actually

assigned – albeit defectively – prior to the closing date of
the Trust.  While the

exact closing date can only be determined by looking at the
trust documents,

any Trust that includes the year in 2006 in its title most
likelyclosed in 2006.

If a Mortgage Assignment is dated, notarized and filed in a
year after

the year set forth in the name of the grantee trust on the
Assignment,

it is actually an Assignment specially, and in many cases,
fraudulently,

made to facilitate foreclosures. 

These Specially-Made Assignments have created havoc in the
courts.  In many

cases, the Specially-made Assignments are dated AFTER the
foreclosure action

has been initiated, making it appear that the Trust somehow
magically knew

prior to the assignment that it would acquire the defaulting
property several

months after the foreclosure action was initiated. 

Repeatedly, courts have asked Trustees to explain why they
were acquiring nonperforming loans and whether such acquisition was a violation
of the trustee’s

fiduciary duty to the Trust. 
No Trustee has ever come forth and explained that

the Trust actually acquired the loan years before the Assignment.  As a result,

there are many decisions with observations similar to this
observation made by

Judge Arthur M. Schack of Kings County, New York, in HSBC
Bank v. Valentin, 21

Misc. 3d 1124 [A]:3

Further, according to plaintiff’s application, the default
of

defendants Valentin and Ruiz began with the nonpayment of

principal and interest due on  January 1, 2007. Yet, four months

later, plaintiff HSBC was willing to take an assignment of
the

instant nonperforming loan. The Court wonders why HSBC would

purchase a nonperforming loan, four months in arrears?

And in Deutsche Bank National Trust Co. v. Harris, Judge
Arthur M. SCHACK,

Kings, New York, Index No. 39192/2007 (05 FEB 2008):

Further, the Court requires an explanation from an officer
of

plaintiff DEUTSCHE BANK as to why, in the middle of our
national

sub-prime mortgage financial crisis, DEUTSCHE BANK would

purchase a non-performing loan from INDYMAC…

In Massachusetts in October, 2009, Land Court Judge Keith
Long reaffirmed a

March, 2009, ruling that a lender cannot begin foreclosure
proceedings before

the lender has filed and recorded the Assignment, stating:

The blank mortgage assignments they possessed transferred

nothing…in Massachusetts, a mortgage is a conveyance of land.

Nothing is conveyed unless and until it is  validly conveyed. The

various agreements between the securitization entities
stating that

each had a right to an assignment of the mortgage are  not

themselves an assignment and they are certainly not in
recordable

form. U.S. Bank National Association v. Ibanez,
Massachusetts Land

Court Misc. Case No. 384283, consolidated with two other
cases.

Many authors expect the Massachusetts Supreme Court to
reverse the Ibanez

decision, but the uncertainty itself, as in the case of the
MERS challenges,

caused lenders to flood recording offices with new
Assignments.

In cases where the Trust failed to get a valid Assignment,
the problem is

complicated by the bankruptcy of the major loan originators,
including American

Home Mortgage, Option One Mortgage, and Countrywide Home
Loans.

When these big mortgage companies filed for bankruptcy, they
did not disclose

the mortgages already sold to the trusts as assets, because
the transfers

occurred months and years prior to the bankruptcy
filing.  Years later, when the

Assignments were required for foreclosures, a bankruptcy
court’s permission was

needed to Assign billions of dollars in mortgages.  Most likely in fear that a

Bankruptcy Judge would not rubber stamp such a request, no
such permission

has ever been sought.4

In lieu of valid Assignments, Trusts continue to rely on
Assignments specially

made by their own law firms and mortgage default service
companies.

Eventually, these fraudulent Assignments are being discovered
by Courts, and

the foreclosing trusts required to prove that they own the
Mortgage and Note in

the foreclosure action without reliance on Assignments that
misrepresent the

date of the actual transfer to the Trust the authority of
the signers of the

bankrupt original lenders. 
For thousands of homeowners, this realization has

come too late.

Aside from the law firms and mortgage  servicing companies that fraudulently

produced Assignments, the entities at greatest risk that the
fraudulent

Assignments scheme will be exposed are the Title Companies
that guaranteed

the clear and correct transfer of ownership to the
Trusts.  Also at risk are the

trust creators themselves and the Trustees.  Both groups of entities have been

on notice for several years that the faulty Assignments were
likely to jeopardize

the Trusts’ claims to ownership and ability to foreclose in
the event of default,

yet have failed to disclose this critical
information to trust shareholders and

For some time, I have been exposing the fraud that is the
Lender Processing Services (and mortgage servicers in general) business
model.  I have discussed how it is so
revered by the mortgage servicing community because it will do anything, legal
or illegal, to help a mortgage servicer foreclose your home.

It’s one thing when a small-time litigator from
Jacksonville, Florida makes accusations (that’s me), and then it is another
thing when 60 Minutes does it.  It’s
something even more when the federal regulators recognize LPS’s shenanigans,
but when a federal judge confirms everything I (and many other lawyers) have
been saying for years about LPS, you know LPS is in trouble.

Who is LPS?  LPS
(formerly known as Fidelity National Default Solutions) is a default servicer
for one out of every two mortgages in this country.  It lurks in the shadows of the mortgage
industry like a hit-man for the mob, and when LPS whacks you, you never see it
coming.

Needless to say, LPS has had a BAAAAAD April, and the month’s
only half over.  It all started with the
60 Minutes report, Mortgage paperwork mess: Next housing shock? In the report,
Scott Pelley describes the epidemic of forged mortgage documents created by LPS
Default Solutions and their super-human employee, Linda Green.  I say super-human, because Ms. Green is
vice-president of 20 banks, and she can execute thousands of mortgage
assignments every day.

Well, as it turns out, Ms. Green isn’t so super, and she’s
not human – at least not one human.  In
fact, a dozen LPS employees were signing Linda Green’s name, thousands and
thousands of times over, on key documents necessary to foreclose on homes.  These documents, to add that “authentic
touch,” were all notarized by other employees who also knew they were committing
fraud.

Then a couple of days ago, a joint report by the Federal
Reserve, Office of Thrift Supervision and Office of the Comptroller of the
Currency found significant irregularities in the foreclosure activities of the
nation’s largest mortgage lenders, including default servicer LPS, and ordered
those lenders to “remediate all financial injury to borrowers caused by any
errors, misrepresentations, or other deficiencies.”

LPS and the other dirt-bag mortgage servicers – including
Citibank, Bank of America, JPMorgan Chase and Wells Fargo – signed Consent
Orders agreeing to change their evil ways and come clean.  But in typical LPS double-speak fashion, an
LPS representative responded to the consent order by stating, “The Order does
not make any findings of fact or conclusions of wrongdoing, nor does LPS admit
any fault or liability.”  Um, o.k.  Sooo….

Now the doozie – The one that is sure to spell the beginning
of the end for LPS: A federal bankruptcy judge took the testimony of an LPS
employee and found that, based upon that employee’s testimony, LPS has
concocted a scheme for committing fraud as a common business practice.

In her lengthy, scathing opinion, the Honorable Elizabeth W.
Magner (a bankruptcy Judge from New Orleans) detailed the unbelievable
testimony of Ms. Dory Goebel, an LPS employee who was caught posing as
Assistant Secretary for Option One Mortgage Corporation.  The Memorandum Opinion reads like the last
chapter of a Grisham novel, where the bad guy is exposed and the little guy
wins the day.

Ms. Goebel filed an Affidavit in the Wilsons’ bankruptcy
case as evidence that Option One should be allowed to remove itself from the
Wilsons’ bankruptcy to foreclose on their home. 
Ms. Goebel testified in the affidavit that the Wilsons had failed to
make necessary mortgage payments entitling Option One to relief from the
bankruptcy stay.

The only problem with Option One’s affidavit is that it was
absolutely false because the Wilsons had made all required payments.  After multiple hearings, Option One’s lawyer
admitted to the judge that the Wilsons were in fact current and that his only
contact was not Option One at all – it was LPS.

Knowing she was on to something, Judge Magner ordered Option
One, LPS, Dory Goebel and all the law firms involved be investigated to unearth
exactly how and why Option One filed its motions in the Wilsons’ bankruptcy
case.

What transpired was a most stunning series of admissions:

Dory Goebel isn’t an Assistant Secretary for Option
One.  She’s an employee of LPS.

Option One had no control over the debtor’s file once in
bankruptcy.  LPS controlled every aspect
of the Wilsons’ file.

Bankruptcy payments were sent to Option One and not entered
into LPS’s system.  Option One notified
LPS that it had the bankruptcy payments LPS accused the Wilsons of not paying.

The problems with the Wilsons’ account had occurred because
LPS failed to log their bankruptcy into the system.

Option One’s lawyers initially did not tell LPS that the
debtor’s claimed to have made all bankruptcy payments.

Although the affidavit signed by Ms. Goebel referred to
attachments thereto, there are never any attachments to such affidavits, and
she never verifies the truthfulness of any affidavit she signs.  She merely compares the numbers on a page
with numbers on a computer screen.  She
does not review any information in the loan file, even if it is available.

Ms. Goebel signs dozens of affidavits per day, spending
about five minutes on each file.

Even if Ms. Goebel knew the information contained in the affidavit
were patently false, she would have signed it anyway because an attorney
created it.

Ms. Goebel followed the procedures in place at LPS.  In other words, every single affidavit
executed within the walls of LPS is just as false as the one filed in the
Wilson case.

Judge Magner summarized her outrage as follows:

Default affidavits are a lender’s representation as to the
status of a loan. They are routinely accepted in both state and federal courts
in lieu of live testimony. They are an accommodation to the lending community
based on a belief by the courts that the facts they present are virtually
unassailable. The submission of evidence by affidavit allows lenders to save
countless hours and expense establishing a borrower’s default without the need for
testimony from a lending representative. While they can be refuted by a
borrower, too often, a debtor’s offer of alternative and conflicting facts is
dismissed by those who believe that a lender’s word is more credible than that
of a debtor. The deference afforded the lending community has resulted in an
abuse of trust. [Emphasis added.]

To the millions of homeowners with mortgage foreclosure
cases (past and future) involving LPS, Judge Magner’s Memorandum Opinion, is
absolutely priceless.  Hopefully, state
court judges presiding over foreclosure cases will keep a worn, dog-eared copy
of this opinion close at hand.

And hopefully, LPS days are numbered.

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Can My New Lender Charge Me A Late Fee If I Paid The Old
Lender On Time?

by Andy Miofsky, Illinois Bankruptcy Attorney

No, if you paid your original lender on time, the new lender
cannot charge you a late fee for the first 60 days after a transfer, according
to the federal Real Estate Settlement Procedures Act.  Plus, each lender is required to give you
notice 15 days before your payment is due when an account is […]

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Mortgage paperwork mess: the next housing shock?

(CBS News) If there was a question about whether we’re
headed for a second housing shock, that was settled last week with news that
home prices have fallen a sixth consecutive month. Values are nearly back to
levels of the Great Recession. One thing weighing on the economy is the huge
number of foreclosed houses.

Many are stuck on the market for a reason you wouldn’t
expect: banks can’t find the ownership documents.

Register O’Brien’s response to MA Real Estate Bar
Association

Do you want to see over 30,000 fraudulent documents that
banks are using to steal our houses? Be our guest!

UPDATE- FEB 10, 2012 – Here is what Register John OBrien had
to say

What a sad day in America. I thought for once they would do
the right thing and hold these banks accountable . I have been around along
time and I can assure you that this is a deal for the banks and by the banks.
It will not benefit the homeowner or the taxpayer. What do I tell the 32000
people in my registry who have fraudulent documents call the AG?? They are
sending the message that the big guys can do whatever they want and and get
away with it. Let us not forget that people who have lost there home with
fraudulent documents will be given two thousand dollars and a wish of good
luck. How criminal and sad. Principal reductions of 25000 will not solve the
housing crisis. Remember that it was these banks who came up with no doc
loans,sub prime mortgages and set people up for failure from day one. The
taxpayers lost 250 million in recording fees that these banks did not pay. We
need a grand jury to investigate the criminal fraud just like Boone County did.
Sadly a year from now we will be still faced with the same issues. These banks
will continue to do what they want. I am sure that later today they will be
sitting in the boardroom patting each other on the back for a job well done. I
suspect they will be giving out bonuses to each other in a week or so.I will
continue to do my job and not record fraud. I will continue to expose this
scheme to anyone who will listen. If they think I am going away they are sadly
mistaken. The fight will continue because it is the right thing to do

It’s bizarre but, it turns out, Wall Street cut corners when
it created those mortgage-backed investments that triggered the financial
collapse. Now that banks want to evict people, they’re unwinding these exotic
investments to find, that often, the legal documents behind the mortgages
aren’t there. Caught in a jam of their own making, some companies appear to be
resorting to forgery and phony paperwork to throw people – down on their luck –
out of their homes.

Read more:
RECENTLY A MASS FEDERAL JUDGE’S DECISION: It is clear,
therefore, that federal thrifts are not subject to Chapter 183C with respect to
loans they originate. The calculus changes, however, when a federal thrift does
not originate a loan but merely acquires it from a non-federal thrift
lender.  If a non-federal thrift lender
could “cleanse” a predatory loan by selling it to a federal thrift, a vital
component of many states’ consumer protection regimes would be undermined

and recorded. This was the beginning of the now infamous
“Robo-Signing” fiasco. (for a complete list on this issue, see
takeyourhomeback.com/?p=428 ) Because the question of retroactive
Assignments had not been resolved, most of these Assignments did not set forth
the actual date that the Assignment took place. The Assignments were signed and
notarized as if the transfer took place many years after the actual transfer
date.

The Assignments were prepared by specially selected law
firms and companies

that specialized in providing “mortgage default services” to
banks and mortgage

companies. In jurisdictions with a high rate of mortgage
defaults, over 80% of

the filed Mortgage Assignments in the last three years were
prepared and filed

by the same five or six law firms and default processing
companies.

In many states, two such Assignments were prepared and
filed. The first was

prepared in the name of Mortgage Electronic Registration
Systems as “nominee”

for the particular bank or mortgage company. MERS “controls”
approx. 62 million mortgages with a value of over a TRILLION DOLLARS. When MERS
authority to file foreclosures and Assignments was challenged in most
jurisdictions, with varying results, a non-MERS Assignment was prepared as
well.

In all of these cases, the Assignment was prepared to
conceal the actual date

that the property was acquired by the Trust. An examination
of the Assignments

filed showing the grantee as the Trust – such as “ABC Home
Loan Trust

2006 – OPT 2” – shows that most of these Assignments were
prepared and filed

in 2008 and 2009, when, in reality, the mortgages and notes
were actually

assigned  prior to the
closing date of the Trust. While the exact closing date can only be determined
by looking at the trust documents, any Trust that includes the year in 2006 in
its title most likely closed in 2006.

If a Mortgage Assignment is dated, notarized and filed in a
year after

the year set forth in the name of the grantee trust on the
Assignment,

it is actually an Assignment specially, and in many cases,
fraudulently,

made to facilitate foreclosures.

These Specially-Made Assignments have created havoc in the
courts. In many

cases, the Specially-made Assignments are dated AFTER the
foreclosure action

has been initiated, making it appear that the Trust somehow
magically knew

prior to the assignment that it would acquire the defaulting
property several

months after the foreclosure action was initiated.

Repeatedly, courts have asked Trustees to explain why they
were acquiring non-performing loans and whether such acquisition was a
violation of the trustee’s

fiduciary duty to the Trust. No Trustee has ever come forth
and explained that

the Trust actually acquired the loan years before the
Assignment. As a result,

there are many decisions with observations similar to this
observation made by

Judge Arthur M. Schack of Kings County, New York, (see link
in www.foreclosureself-defense.com/the-library/linksresources/ )in HSBC
Bank v. Valentin, 21 Misc. 3d 1124 [A]:

Further, according to plaintiff’s application, the default
of Defendants Valentin and Ruiz began with the nonpayment of principal and
interest due on January 1, 2007. Yet, four months later, plaintiff HSBC was
willing to take an assignment of the instant nonperforming loan. The Court
wonders why HSBC would purchase a nonperforming loan, four months in arrears?

.

Further, the Court requires an explanation from an officer
of plaintiff DEUTSCHE BANK as to why, in the middle of our national sub-prime
mortgage financial crisis, DEUTSCHE BANK would purchase a non-performing loan
from INDYMAC… Federal Judge Boyko of Ohio questioned Deutsche Bank extensively
with the final outcome being the dismissal of 14 foreclosure cases

In Massachusetts in October, 2009, Land Court Judge Keith
Long reaffirmed a

March, 2009, ruling that a lender cannot begin foreclosure
proceedings before

the lender has filed and recorded the Assignment, stating:

The blank mortgage assignments they possessed transferred
nothing…in Massachusetts, a mortgage is a conveyance of land.

Nothing is conveyed unless and until it is validly conveyed.
The

various agreements between the securitization entities
stating that

each had a right to an assignment of the mortgage are not
themselves an assignment and they are certainly not in recordable form. U.S.
Bank National Association v. Ibanez, Massachusetts Land Court Misc.
consolidated with two other cases.

Many authors expect the Massachusetts Supreme Court to
reverse the Ibanez

decision, but the uncertainty itself, as in the case of the
MERS challenges,

caused lenders to flood recording offices with new
Assignments.

In cases where the Trust failed to get a valid Assignment,
the problem is

complicated by the bankruptcy of the major loan originators,
including American

Home Mortgage, Option One Mortgage, and Countrywide Home
Loans.

When these big mortgage companies filed for bankruptcy, they
did not disclose

the mortgages already sold to the trusts as assets, because
the transfers

occurred months and years prior to the bankruptcy filing.
Years later, when the

Assignments were required for foreclosures, a bankruptcy
court’s permission was

needed to Assign billions of dollars in mortgages. Most
likely in fear that a

Bankruptcy Judge would not rubber stamp such a request, no
such permission

has ever been sought. In Ohio, Judge Boyko did the complete
opposite and dismissed 14 foreclosures WITH PREJUDICE.

Part of Judge Boyko’s Decision:

“There is no doubt every decision made by a financial
institution in the foreclosure process is driven by money,” Boyko wrote in a
footnote. “And the legal work which flows from winning the financial
institution’s favor is highly lucrative.”

“The lenders rush to foreclose on delinquent buyers. But
when taking back the properties, they delay recording the deeds, leaving cities
to board up empty houses and mow lawns”

The pools, some containing bad loans like the 14 from
Deutsche Bank, are bought and sold electronically by Wall Street investment
firms, leaving behind little or no paperwork showing who holds the notes.

Boyko ruled that without written proof, Deutsche Bank has no
right to foreclose. As part of the ruling, he complained that lenders displayed
a condescending attitude that this is the way they always do business and that
the court just doesn’t understand the world of high finance.  (No it’s called FRAUD, writer’s opinion, not
part of decision)

“Finally put to the test, their weak legal arguments compel
the court to stop them at the gate,” he wrote.

Boyko’s colleague, Judge Kathleen O’Malley of the U.S.
District Court of Northern Ohio, threw out 32 foreclosure cases the same week
for the same reason.

The “robo-signing of affidavits and Assignments of Mortgage
and all other mortgage foreclosure documents served to cover up the fact that
loan servicers cannot demonstrate the facts required to conduct a lawful
foreclosure. If it turns out that robo-signers did indeed sign off on loans
without review, they committed fraud by claiming knowledge of a financial
matter of which they had no personal knowledge. It could also mean that some
people are wrongly being evicted from their houses.

From underwriting fraudulent mortgages; to shuffling it
through the mortgage securitization chain without following proper legal
procedures like the simple act of passing along paperwork; to concealing or
doctoring basic facts when securitizing the mortgages and selling them to
investors, large lenders and their partners on Wall Street could face hundreds
of billions of dollars in losses by being forced to buy back faulty mortgages,
some of which have already defaulted, from misled investors.

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Robo-signing” of mortgages still a
problemhttp://www.cbsnews.com/2100-201_162-20080533.html

 So it now really early on Sunday morning… and my plan to write letters for my credit report and to my mortgage companies… to  continue  with the entire  process of  fixing and finishing what my guardian Patrick Weber did not do this entire year…  well…. the plan was for my mom to come out and to go to staples off tarpon bay ( by my home) and get the ink cartridge …. it is a Lexmark #70 ink cartridge which is a black ink cartridge…..  that seems to not be working… if you remember I ordered it from staples on line  and when it showed up…. it did not print…the little plastic tab was missing so i figured that it just dried out…. so i had to try to figure out another way to get the ink and so i could finish my packages… and finish printing  all this information….  then my mom was so kind and she went to  the staples off tarpon… Dan Fox the manager was really nice and  very helpful… and we got  one replacement  ink cartridge… she(my mom )  brought  it home and  it did not work.. i called Dan and  he offered to replace the ink cartridge… and   because of all the  trouble … to also  give us an additional cartridge… so my  mom went  back to staples… and got two ink cartridges… and when she came back  to my home…. i was sure that at least one of the  cartridges would have worked… intact Dan and i joked that out of 4 cartridges  in  two days… ONE  had to work.. I mean what are the odds of all of them not working right?…. well my mom  went to publix  for me… staples  for the  two cartridges… i made dinner.. and  had  to put everything away… and started some spaghetti sauce and a pot roast….. and then late in the evening… I tried the ink cartridges… you are sooooo not going to believe this… neither of them work… completely dry.... After trying to clean nozzles.. trying to print test page… and  everything I I could think of to get them working… example… one guy from Walgreen ages ago when they used to refill the cartridges told me that id i placed the ink cartridge on a wet cloth it would draw the ink out… i tried that .. and then after tears…  finally resorted to the technique of refilling.. you fill a syringe with ink and  drill a hole in the top of the ink cartridge and  inset the ink through the hole… well…. some ink is running out ..the bottom but not enough  to  do test paper and won’t do a  clean nozzle……. I’m at a loss.. HELP does anyone know what the  hell is going on?  . 

Hi “MOM”,                                                                              
October 5th 2012

Wanted to just type you a quick email to reiterate what we
discussed about tomorrow…

I will have your name at the gate by10am when you will
arrive to get $ 40.00

breakdown for the money….

$20.00  pay for
you  to go and get my lexmark #70
cartridge from staples….

$5.00 toward the steaks you received and are bringing  two over with you from some mail order
thing…. 

$15.00  to use for my
Lexmark #70 cartridge,,,, get the staples brand it is cheaper

$25.00 for the coupon 
# 5267492323878054 to use for my lexmark#70  ink cartridge

total=$ 40.00 cash and $25.00 coupon

* I will give you 4 cartridges to give to Staples for
recycling (I get credit for them )and 
that way if there is any problems 
you will see what it looks like… as well as the brand 

Thank you soo much for this… i hope the money i give you
will help you to get the cartridge you need…

Maybe when i call  to
pray… we can have a normal conversation on 
the  phone.. i really don’t
need  your advice  on when i need to sleep…you know maybe you
can  pretend to be my  real mom.. my mom(Marion Jean Gregory Ziska
Gregory….  who was GREAT! ….an actual
friend who was intelligent , articulate, funny and interesting ..who i could
talk to about  anything.. decorating,
politics, news events, cooking, business, movies, television shows, hopes,
dreams, ambitions…..she was inspirational and positive believed all things
were possible  about actual experiences
of growing up in saudi arabia with aramco..about travel and our trips all over
the world…   about shopping… about
.anything and everything … and the most important part… my real mother
loved me and  my sisters sooooooooo
much… she wanted us to have great futures to have hopes and dreams and plans
fulfilled… and  would have never harmed
us… ever… she didn’t lie or cheat or steal…   

I know you don’t understand so let me try once again to
explain what you cant possibly understand… about my real family…. they were
great…. and I love and miss them every minute of every day….

Please don’t sneak in any trespassing thieves into my
complex like felony fred and the rest of the criminal did…i would be held
responsible….and i hate having to deal with 
with them stealing and ruining my life…. I feel so violated each and
every time it happens..you have no idea how much it destroys my feeling of
security and safety and trust…. its a helpless feeling like rape or
abuse….  knowing someone gets away with
it again and again …. no one stops it …you have no idea what it does to a
person….how it changes your life forever… 
….. 

and once again  let me
try to explain about the change in my sleeping patterns that you cant seem to
grasp… i don’t know if there is a cultural difference or a language
difference that makes this concept soo difficult…  but my alarm does not have a short.. i
believe it is triggered by the scum who sneak into either the roof or have
something to do with it… as that is were the majority of the wires are
located… and where i hear idiots upstairs… since Michael Russo ( upstairs
son) said he got out of jail after being in there for 5 years… and his bro
Tommy had this drinking problem and and possible drug problem…  i saw all three of the boys outside smoking
POT and drinking when they were visiting their parents….

when the alarm goes off and I can’t get back  to sleep right away… so  it is easier to say awake at night and work
on letters or fixing what needs to be fixed….and since I  had 13 years of my life and tons of my life
ruined…. and not being “allowed.” by the psycho controlling freaks
who are still stealing from me…. and who mess up phones and computers and any
type of freedom i want.. and since any time recently when i leave my home and
even when i don’t leave my home…  my
home things are stolen… including food…. ( probably still fat pot bellied
liar… Iran drug dealing  rug salesman
who lied about the FBI and was just  as
much of a thug as  Gerard…and  the Russo and the idiots who stole money off
my mortgages and or the idiots who  stole
my credit cards.. and who ruined my life… you know basic scum of the
earth…. not even worthy of being considered human…. ….   the same scum who screwed up my phones and
my ability to have any of my friends or family in my life….  and they did it all on purpose …. it was
planned and executed with precision and all on purpose…..  these criminals who ruined my life…. and my
families life and home ownership and ruined accomplishing everything I ever
wanted….  the thugs who ruined
everything  but liked their slutty little
girls on the side.. and their  bastard
kids they rise to be criminals just like them ….they wont stop until they are
dead…so i have to spend most of my time trying to fix the damage they make in
my life…. and  that my real family and
friends would have never let happen to me or my family…… but but you meet
one worthless disgusting repulsive human being who is a criminal thug to the
core of who he is.. and nothing is ever the same…   I would give back every minute of the past years…to
go back to 1999 and be protected form any of this happening… when we were
buying the condo….. and to have never met any of the scum…. ANY OF THEM…
….and have lived the great life i was supposed to have had.. instead of going
through hell because of jealous criminal parasites who do nothing for bettering
society but only ruin lives and steal hope and 
dreams…. and who ruined my life….. forever 

I miss  my mom and dad
sisters and friends every minute of every day….I miss what my life was
supposed to have been like…i miss meeting and having great people in my
life…i miss everything…..    

Do you know when the lies and manipulation started?  the stealing of money off of mortgages,
stealing of my business?… the imposter 
girl making phone calls as me? 
the manipulation and planning to ruin my everything….like
relationships.. and businesses… and 
faith in ‘God’s protection, in the belief that dreams do come true…
ruining my isolating from my friendships… relationships .. my reputation ..
my businesses, stealing my opportunities… and giving me less of a life than i
ever wanted ….WHY????? money???? or what… because the   girl who needed to steal my life and
was  allowed to steal my life..what …
was she prettier.. taller blonder… a slut …. the boys like d to
“ride” or had a guys bastard kid.. why?????.. did she just know from
birth how to steal or cheat.. or lie….or learned from some criminal family
how to  ruin my life  through stealing my credit  .. and even credit cards.. and opportunities.
and people i should have been allowed to meet and  organizations i should have allowed to become
a part …. like Jr league… and fun classes to take and  getting an MBA… meeting a great guy to date
and eventually getting married and having 
kids… the life i was supposed to have….. and everything i was
supposed to do this life time… it was and is MY REAL LIFE…..I AM VALUABLE
and  my real mom and real dad and real
sisters and real friends  loved me and
knew that……May god never have mercy on the criminal scum who started
this….. who  continued to ruin and
steal from me and my family and who i pray every day will die so they will
never hurt any one ever again…  what a
bunch of selfish horrid people who are so so…. not evolved…. who will never
make the world a better place… or make lives better unless they steal from
others …and only to make their own lives better…. small  minded and pathetic  scum… for them selves… what worthless
scum…. the world would have been place if they  had never been born….at least i know my
life would have better… . i pray they will go to hell soon… and  there is justice…. as i know i will
NEVER  forgive .. or forget ….i will
never forget anything…       

wow really long email….. ha… guess i miss real friends
more and more…every minute of every day….. miss great conversations…. and
having  great people on my side.. not the
thieves and scum always trying to lie to me or steal from me or scam from me…or
lower my life style and my families worth…. .you know the gypsies, the
travelers the  grifters..the felons…
the basic scum of the earth with their fucked up messed up lives and
problems…they are not my family and /or my friends … at all…. 

luv mary jean ziska

gosh it would have been fun 
to see what i could have achieved this life time….  my life could have been great….my entire
life could have been great…   too
bad… it was ruined on purpose… 

A Tender Loving Care Service

Marion Gregory  
Director 239-598-1515

naplesmarion@aol.com

Mary Jean Ziska  
Assistant Director whatabtmary@yahoo.com