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http://stopforeclosurefraud.com/2010/09/22/no-theres-no-life-at-mers/ Page 1 of 28
NO. THERE'S NO LIFE AT MERS 24/09/10 8:46 AM
Eric Trent, Law Office Of Steven J. Baum, Law

Offices Of David J. Stern P.A., MERS,
MERSCORP, MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS INC.,
Moratorium, Mortgage Foreclosure Fraud, Nick
Wooten, R.K. Arnold, RICO, STOP
FORECLOSURE FRAUD, Supreme Court,
Susan Chana Lask, Trusts, Wall Street, William
C. Hultman, affidavits, assignment of mortgage,
bifurcate, brian hershkowitz, chain in title,
conflict of interest, corruption, countrywide,
fannie mae, fdcpa, featured, foreclosure,
foreclosure fraud, foreclosure mills, foreclosures,
forgery, investigation, jeffrey stephan, jpmorgan
chase, mortgage, notary fraud, note, originator,
racketeering, robo signers, securitization,
servicers, shapiro & fishman pa,
stopforeclosurefraud.com, sub-prime, ucc
NO. THERE’S NO LIFE AT MERS

Posted on22 September 2010. Tags: affidavits, assignment
of mortgage, bifurcate, bill mccollum, brian hershkowitz,
Christopher Peterson, cutting edge solutions, depositions,
dinsfla blog, fannie mae, farming it out, florida attorney
general, foreclosure fraud, foreclosure mills, fraud upon the
court, Freddie Mac, ginnie mae, GMAC, jeffrey stephan,
law offices of david J. stern plantation florida 33324, lost
assignment affidavit, mbs, MERS, mortgage backed
securities, MORTGAGE ELECTRONIC REGISTRATION

SYSTEMS INC., no. there's no life at mers, R.K. Arnold,
robo signers, securitization, shapiro & fishman pa, ucc
By Damian “DinSFLA” Figueroa
Mortgage Electronic Registration Systems, Inc (MERS)

has a very long history. The beginning stages have
remained a mystery until now.
In 1989, Brian Hershkowitz developed the “Whole Loan

Book Entry” concept while serving as a director for the
Mortgage Bankers Association (MBA). In 1990, he first
introduced this concept to seven different industry group;
Document Custodian, Originators, Servicers, Title Insurers,
County Recorders, Government Sponsored Enterprises
(GSE’s) and Warehouse/Interim Lenders. The reception
was very positive and it was viewed as a very useful
recording system to be used for how equity and debt
securities could be identified and managed.
In 1991, Mr. Hershkowtiz published Farming It Out in

Mortgage Banking Magazine. His main discussion in this
article is primarily about getting the opinion of the experts
in the technology outsourcing service industry. In 1992,
Mr. Hershkowitz published another article called Cutting
Edge Solutions in Mortgage Banking Magazine. In this
particular article he mentions the actual meeting that took
place at the Mortgage Bankers Association of America
(MBA) headquarters with many key players that are known
today as some of MERSCORP’s shareholders, such as,
Fannie Mae and Freddie Mac. In this meeting they
discussed a “System” that will bring changes in mortgage
records.
Mr. Hershkowitz went on to become President and COO of

LandSafe Credit, a leading settlement service provider that
was a subsidiary of Countrywide. Mr. Hershkowitz also
spent several years serving Countrywide in the areas of
strategic planning and executive management.
In 2001, Mr. Hershkowitz became Executive Vice

President at Fidelity National Information Services (FNIS)
and President of its mortgage and information services
division. His responsibilities included management of the
Company’s data offerings, including public records
information, credit reporting information, flood hazard
compliance data, real estate tax information and collateral
valuation services. He left FNIS in November of 2006 to
become Chief Executive Officer of Maximum Value
Group, a consulting firm focused on providing advice to
private equity and other market participants in the area of
banking and mortgages.
ENTER THE X-FILES
MERS has evolved into a totally different purpose today.
Mortgage Electronic Registration Systems, Inc. is a wholly

owned subsidiary of MERSCORP Inc., located at 1595
Spring Hill Rd Ste 310 Vienna, VA 22182.
MERS was founded by the mortgage industry. MERS

tracks “changes” in the ownership of the beneficial and
servicing interests of mortgage loans as they are bought
and sold among MERS members or others.
Simultaneously, MERS acts as the “mortgagee” of record
in a “nominee” capacity (a form of agency) for the
beneficial owners of these loans.
To ensure widespread acceptance within the industry,

MERS sought to have security instruments modified to
contain MERS as the original mortgagee (MOM) language.
MERS began to change decades of business practices after
the two biggest mortgage funders in the U.S. the Federal
Home Loan Mortgage Corporation (Freddie Mac) and the
Ferderal National Mortgage Association (Fannie Mae)
modified their Uniform Security Instruments to include
MOM language. Their approval opened the doors to
incorporate MERS into loans at origination.
Soon after, U.S. government agencies like the Veterans

Administration, Federal Housing administration and
Government National Mortgage Association (Ginne Mae),
and several state housing agencies followed both
Fannie/Freddie to approve MERS.
More than 60 percent of all newly-originated mortgages

are registered in MERS. Its mission is to register every

mortgage loan in the United States on the MERS System.
Since 1997, more than 65 million home mortgages have
been assigned a Mortgage Identification Number (MIN)
and have been registered on the MERS System.
The mortgage-backed security (MBS) sector tested the

viability of MERS because a substantial number of
mortgages are securitized in the secondary market. In
February 1999, Lehman Brothers was the first company to
include MERS registered loans in a MBS.
Moody’s Investor Service issued an independent Structured

Finance special report on MERS and it’s impact of MBS
transactions and found that where the securitzer used
MERS, new assignments of mortgages to the trustee of
MBS transactions were not necessary.
Since MERS is a privately owned data system and not

public, all mortgages and assignments must be recorded in
order to perfect a lien. Since they failed to record
assignments when these loans often traded ownership
several times before any assignment was created, the legal
issue is apparent. MERS has destroyed the public land
records by breaking the chain of title to millions of homes.
IN MERS CEO’S OWN WORDS
In or around the summer of 1997, MERSCORP President

and CEO R.K. Arnold wrote, “Yes, There is life on
MERS” Mr. Arnold stated, “Some county recorders have
expressed concerns that MERS will eliminate their offices
nationwide or destroy the public land records by breaking
the chain of title. As implemented, MERS will not create a
break in the chain of title, and, because MERS is premised

on an assignment recorded in the public land records,
MERS cannot work without county recorders.”
In this same article Mr. Arnold also states “The sheer

volume of transfers between servicing companies and the
resulting need to record assignments caused a heavy drag
on the secondary market. Loan servicing can trade several
times before even the first assignment in a chain is
recorded, leaving the public land records clogged with
unnecessary assignments. Sometimes these assignments are
recorded in the wrong sequence, clouding title to the
property”. Mr. Arnold never mentions the fact that the
mortgage notes have been securitized, thereby becoming
“negotiable securities” under the Uniform Commercial
Code.
In an interview for The New York Times, Mr. Arnold said,

“that his company had benefited not only banks, but also
millions of borrowers who could not have obtained loans
without the money-saving efficiencies MERS brought to
the mortgage trade.”
Mr. Arnold went on to say that, ” far from posing a hurdle

for homeowners, MERS had helped reduce mortgage fraud
and imposed order on a sprawling industry where, in the
past, lenders might have gone out of business and left no
contact information for borrowers seeking assistance.”
“We’re not this big bad animal,” Mr. Arnold said. “This
crisis that we’ve had in the mortgage business would have
been a lot worse without MERS.”
Unfortunately, even a simple search in the Florida Land

Records proves the opposite to be the case. Researchers

have easily found affidavits of lost assignments actually
stating, “the said mortgage was assigned to Mortgage
Electronic Registration Systems, Inc., from “XXXXXXX”,
the original of the said assignment to Mortgage Electronic
Registration Systems, Inc., was lost, misplaced or
destroyed before same could be placed of record with the
Florida Land Records County Clerk’s office; That,
“XXXXXXX”, it’s successors and/or assignee is no longer
in business/or do not respond to our request for a
duplicate assignment, and therefore, a duplicate
original of said assignment cannot be obtained.”
According to affidavits such as these, not only have the

borrowers lost contact with the lenders, but the same is true
that MERS did as well.
On September 25, 2009, Mr. R.K. Arnold was deposed in

Alabama. Mr. Arnold admitted MERS does not have a
beneficial interest in any loan, does not loan money and
does not suffer a default if monies are not paid. On
November 11, 2009, William C. Hultman was deposed in
Alabama and made the same admissions.
Yet again, researchers have easily located affidavits

recorded in the Florida Land Records stating “That said
Deed of Trust has not been assigned to any other party and
that MORTGAGE ELECTRONIC REGISTRATION
SYSTEMS, Inc. is the current holder and owner of the
Note and Deed of Trust in question.”
Aside from not recording assignments, Mr. Arnold failed to

mention that the certifying officers given authority to

execute sensitive loan documents would not be paid
employees of MERS. This raises the critical legal question
as to how one can act as a certified officer and execute any
equitable interest on behalf of any security instruments
without being an employee of MERS.
On April 7, 2010, in the Superior Court of New Jersey,

MERS Treasurer and Secretary William C. Hultman gave
an oral sworn video/telephone deposition in the case of
Bank Of New York v. Ukpe.:
Q Do the assistant secretaries — first off, are

you a salaried employee of MERS?
A No.
Q Are you a salaried employee of MERS Corp,

Inc.?
A Yes.
Q Are any of the employees of MERS, Inc.

salaried employees?
A I don’t understand your question.
Q Does anyone get a paycheck, if they are an

employee of MERS, Inc., do they get a
paycheck from
Mercer, Inc.?
A There is no MERS, Inc.
Q I thought, sir, there’s a company that was

formed January 1, 1999, Mortgage Electronic
Registration
Systems, Inc. Does it have paid employees?
A No, it does not.
Q Does it have employees?

A No.
Q Does MERS have any employees?

A Did they ever have any? I couldn’t hear you.
Q Does MERS have any employees currently?

A No.
Q In the last five years has MERS had any

employees?
A No.
<SNIP>
Q How many assistant secretaries have you

appointed pursuant to the April 9, 1998
resolution; how
many assistant secretaries of MERS have you
appointed?
A I don’t know that number.
Q Approximately?
A I wouldn’t even begin to be able to tell you
right now.
Q Is it in the thousands?
A Yes.
Q Have you been doing this all around the

country in every state in the country?
A Yes.
Q And all these officers I understand are

unpaid
officers of MERS?
A Yes.
Q And there’s no live person who is an

employee
of MERS that they report to, is that correct,
who is an employee?
A There are no employees of MERS.
If so, how does anyone have any authority to sign security

instruments encumbered by any loan documents, if these
certifying officers are not paid employees and never attend
corporate meetings in the capacity as Vice President,
Assistant Secretary, etc. with Mortgage Electronic
Registration System, Inc..
COURTS FIND ISSUES WITH MERS
Federal and state judges across America are realizing that

the mortgage industry’s nominee is backfiring.
In Mr. Arnold’s own words, “For these servicing

companies to perform their duties satisfactorily, the note
and mortgage were bifurcated. The investor or its designee
held the note and named the servicing company as
mortgagee, a structure that became standard.” What has
become a satisfactory standard structure for the mortgage
industry has not been found by many courts to be legally
sufficient to foreclose upon the property.
Again, MERS only acts as nominee for the mortgagee of

record for any mortgage loan registered on the computer
system MERS maintains, called the MERS System. MERS

cannot negotiate a security instrument. Therefore, MERS
certifying officers cannot have legal standing to assign
what MERS does not own or hold.
The Supreme Court of New York Nassau County:

Bank of New York Mellon V. Juan Mojica Index No:
26203/09
Justice Thomas A. Adams stated, “Not only has plaintiff
failed to establish MERS’ right as a nominee for purposes
of recording to assign the mortgage, more importantly, no
effort has been made to establish the authority of MERS, a
non-party to the note, to transfer its ownership.”
The Supreme Court of Maine:

Mortgage Electronic Registration Systems, Inc. v.
Saunders, No. 09-640, 2010 WL 3168374, (Me. August
12, 2010) The Court explains that the only rights conveyed
to MERS in either the Saunders’ mortgage or the
corresponding promissory note are bare legal title to the
property for the sole purpose of recording the mortgage
and the corresponding right to record the mortgage with the
Registry of Deeds. This comports with the limited role of a
nominee. A nominee is a “person designated to act in place
of another, usu[ally] in a very limited way,” or a “party
who holds bare legal title for the benefit of others or who
receives and distributes funds for the benefit of others.”
Black’s Law Dictionary 1149 (9th ed. 2009).
In Hawkins, No. BK-S-07-13593-LBR, 2009 WL 901766

The Court found that the deed of trust “attempts to name
MERS as both beneficiary and a nominee” but held that
MERS was not the beneficiary, as it had “no rights
whatsoever to any payments, to any servicing rights, or to
any of the properties secured by the loans.”
In Re: Walker, Case No. 10-21656-E-11 – Eastern District

of CA Bankruptcy court rules MERS has NO actionable
interest in title. “Any attempt to transfer the beneficial
interest of a trust deed without ownership of the underlying
note is void under California law.” “MERS could not, as a
matter of law, have transferred the note to Citibank from
the original lender, Bayrock Mortgage Corp.” The Court’s
ruled that MERS and Citibank are not the real parties in
interest.
In re Vargas, 396 B.R. at 517-19. Judge Bufford found

that the witness called to testify as to debt and default was
incompetent. All the witness could testify was that he had
looked at the MERS computerized records. The witness
was unable to satisfy the requirements of the Federal Rules
of Evidence, particularly Rule 803, as applied to
computerized records in the Ninth Circuit. See id. at 517-
20. “The low level employee could really only testify that
the MERS screen shot he reviewed reflected a default. That
really is not much in the way of evidence, and not nearly
enough to get around the hearsay rule.”
FRAUD ON THE COURT
In US Bank v. Harpster the Law Offices Of David J. Stern

committed fraud on the court by the evidence based on the
Assignment of Mortgage that was created and notarized on
December 5, 2007. However, that purported
creation/notarization date was facially impossible: the
stamp on the notary was dated May 19, 2012. Since Notary
commissions only last four years in Florida (see F .S.
Section 117.01 (l)), the notary stamp used on this

instrument did not even exist until approximately five
months after the purported date on the Assignment.
The Court specifically finds that the purported Assignment

did not exist at the time of filing of this action; that the
purported Assignment was subsequently created and the
execution date and notarial date were fraudulently
backdated, in a purposeful, intentional effort to mislead the
Defendant and this Court. The Court rejects the
Assignment and finds that is not entitled to introduction in
evidence for any purpose. The Court finds that the Plaintiff
does not have standing to bring its action.
The Court dismissed this case with prejudice.
In Duval County, Florida another foreclosure case was

dismissed with prejudice for fraud on the court. In
JPMorgan V. Pocopanni, the Court found that Fishman &
Shapiro representing JPMorgan had actual knowledge at all
times that the Complaint, the Assignment, and the Motion
for Substitution were all false. The Court found that by
clear and convincing evidence WAMU, Chase and Shapiro
& Fishman committed fraud on this court.
Both these cases involved Mortgage Electronic

Registration Systems Inc. assignments.
FRAUD INVESTIGATIONS
Two RICO Class Action lawsuits have commenced against

Foreclosure Law Firms and MERSCORP for fabricating
and forging documents that are entered into courts as
evidence in order to have standing to foreclose. Unknown
to judges and the borrowers, they accept these documents

because they are executed under perjury of the law. These
“tromp l’oeil” actions have finally surfaced and the courts
has taking notice.
The lack of supervision and managing of MERS “Robo-

Signers” has led to a national frenzy of fabrication, forgery
and certifying officers wearing multiple corporate hats.
Anyone who compares signatures of these certifying
officers will see a major problem with forgery in hundreds
of thousands affidavits and assignments which creates an
enormous dark cloud of title defects to millions of homes
across the US.
On August 10, 2010 Florida attorney general Bill

McCollum announced that he is investigating three
foreclosure law firms for allegedly providing fraudulent
assignments and affidavits relating in foreclosure cases.
In a deposition taken in December 2009, GMAC employee

Jeffrey Stephan said he signed 10,000 affidavits or similar
documents a month without personally verifying who the
mortgage holder was. That means many foreclosures could
have taken place based on false documentation and many
homes may have been unlawfully foreclosed on.
On September 20, 2010, GMAC halted foreclosures in 23

different states. Two of the three firms being investigated
by the Florida attorney general, the Law Office of Marshall
C. Watson and the Law Offices of David J. Stern PA, have
represented GMAC in foreclosure proceedings.
This is not limited to only GMAC Mortgage. There are

many hundreds of thousands of these same documents that
are being created by many foreclosure law firms across the

nation.
University of Utah law professor Christopher L. Peterson

has raised the issue that MERS should be regarded as a
debt collector. He argues that some of MERS’ methods are
just the sort of deceptive practices that ought to be
regulated under The Fair Debt Collection Practices Act
(FDCPA), 15 U. S. C. §1692(a),(j).
CONCLUSION
Finally in May, 2009, Mr. Arnold said in Mortgage

Technology Magazine, “Every system in the mortgage
industry can switch MERS registry on or off at will,”
referencing that both the Obama administration and
Congressional leaders are aware of this.
President Obama and Congressional leaders it is time to

permanently switch MERS lifeless device off!
Not until MERS became the primary focus for challenges

to legal standing in foreclosure courts as reported as the
alternative media, have the main stream media and the
mortgage industry have begun to realize that property
records cross the United States have become totally
unreliable.
It has taken more than a decade for the courts to recognize

that MERS has become a mortgage backfire system leaving
clouded titles in over 65 million loans since 1997.
Courts across the nation must comply with the law. Any
documents submitted to the courts regarding property
ownership should be assumed to be nothing but smoke in a

mirror.
No, Mr. Arnold, there’s no life at MERS.
Damian Figueroa, “nominee” of stopforeclosurefraud.com,

a blog on Foreclosure Fraud.
© 2010 FORECLOSURE FRAUD | by DinSFLA. All

rights reserved. www.StopForeclosureFraud.com
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Join the forum discussion on this post
3 Responses to “NO. THERE’S NO LIFE AT

MERS”
1. lnichols says:
09/22/2010 at 10:09 pm
TO: Damian Figueroa
RE: No There is No Life on MERS
Good job on your “No There is No Life on MERS”

article!
Will you please provide the source document and

URL for your reference on Arnold’s quote: “For
these servicing companies to perform their duties
satisfactorily, the note and mortgage were bifurcated.
The investor or its designee held the note and named
the servicing company as mortgagee, a structure that
became standard.”
Thanks, Good luck, God Speed,
liese nichols
2. Tom Blanton says:

09/23/2010 at 1:25 pm
“Since MERS is a privately owned data system and

not public, all mortgages and assignments must be
recorded in order to perfect a lien. Since they failed
to record assignments when these loans often traded
ownership several times before any assignment was
created, the legal issue is apparent. MERS has
destroyed the public land records by breaking the
chain of title to millions of homes.”
MERS is certainly guilty of incompetent practices

and extremely sloppy document preparation. They
have created some title problems (which create extra
hassles to fix). The trend of having operations
centralized in areas outside the jurisdiction of the real
estate, which is now rampant in the mortgage
industry as a whole, has caused problems because of
ignorance or local laws and customs. But, MERS has
not “destroyed” public land records or broken the
chain of title to homes.
I have been a self-employed real estate title examiner

in Virginia for over 2 decades and I have yet to see
or hear anything that would confirm these allegations
regarding MERS. MERS was created to reduce the
number of assignments that had to be recorded and to
facilitate those who securitize mortgage notes.
Unfortunately, their model did not comport with
every jurisdiction. Some jurisdictions never required
assignments to be recorded and relied on affidavits to
release mortgage loans. MERS wants to act as an
attorney-in-fact, rather than as an agent (nominee),
for lenders, despite not having a recorded Power of
Attorney.
Having an unreleased mortgage does not break the

chain of title. It is simply a lien against the property.
The noteholder of record may release it. If it is
uncertain who the noteholder is, most jurisdictions
have judicial remedies to release the lien. This is not
uncommon.
There is no question that navigating land records has

become more complex in recent years due to
multiple refinancing of mortgages, assignments,
poorly drafted documents, loan closers that neglect to
release prior liens, and incompetent closers, lenders,
attorneys, servicers, and title insurers. MERS is
hardly the sole source of these problems. Part of the
problem is that home buyers and borrowers want
unreasonably quick turnaround and quick money.
Consumers were better served in the past, before the

consolidation of the industry, when builders built
homes, real estate agents sold homes, lenders made
mortgages and held the notes (or sold them
individually – not bundled), attorneys did the
closings, and title companies provided the title
insurance – all separate entities that were unrelated
on a corporate level.
Today, all of these functions may be handled by an

interlocking conglomerate of subsidiaries and the
consumer has no representation in the transactions.
Does anyone expect a closer or attorney working for
the lender to represent a home buyer better than the
home buyer’s personal attorney? The same goes for
title insurance offered by a subsidiary of a lender or
builder.
Those enticed by some out-of-town lender’s offers of

“no closing costs” should realize there is no such
thing as a free lunch.
If anything, MERS has functioned to delay

foreclosures due to their sloppiness. The real blame
for the housing bubble and subsequent bursting
should be placed on the Banksters, Wall Street
Hucksters, and government failure to stop the fraud
in an industry that is already over-regulated favoring
dishonest big business over smaller, local, and more
honest players in the housing industry.
Regulation has led to intense lobbying, regulatory

capture, and the consolidation and centralization of
big banks, insurance companies and securities firms
– with the politicians in their pocket. Fraud has
always been illegal, but now it is prosecuted
selectively – thanks to the unholy alliance between
government and big business.
If you want to find some real shenanigans, check into

the appraisers that were enticed into valuing
$200,000 homes at $400,000 for the benefit of
lenders and mortgage bundlers, at the detriment of
consumers.
MERS is the least of my worries. While everyone is

hysterical about MERS, you can bet that your elected
representatives and their Wall Street backers are
concocting some new way to screw you. This is what
they do and have always done. So much for caring
politicians protecting you with “regulations”.
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CLASS ACTION FILED| Figueroa v. Law

Offices Of David J. Stern, P.A. and MERSCORP,
Inc.
MERS 101
Deutsche Bank National Trust Co. foreclosed,

hired a company to "trash out"
CLASS ACTION AMENDED against

MERSCORP to include Shareholders, DJSP
MISSION: VOID Lender Processing Services

"Assignments" (LPS)
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THERE'S NO LIFE AT MERS 24/09/10 8:46 AM

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Categorized | CONTROL FRAUD, Christopher

Eric Trent, Law Office Of Steven J. Baum, Law

NO. THERE’S NO LIFE AT MERS

securities, MORTGAGE ELECTRONIC REGISTRATION

NO. THERE’S NO LIFE AT MERS

By Damian “DinSFLA” Figueroa

Mortgage Electronic Registration Systems, Inc (MERS)

In 1989, Brian Hershkowitz developed the “Whole Loan

In 1991, Mr. Hershkowtiz published Farming It Out in

Mr. Hershkowitz went on to become President and COO of

In 2001, Mr. Hershkowitz became Executive Vice

ENTER THE X-FILES

MERS has evolved into a totally different purpose today.

Mortgage Electronic Registration Systems, Inc. is a wholly

MERS was founded by the mortgage industry. MERS

To ensure widespread acceptance within the industry,

Soon after, U.S. government agencies like the Veterans

More than 60 percent of all newly-originated mortgages

are registered in MERS. Its mission is to register every

The mortgage-backed security (MBS) sector tested the

Moody’s Investor Service issued an independent Structured

Since MERS is a privately owned data system and not

IN MERS CEO’S OWN WORDS

In or around the summer of 1997, MERSCORP President

break in the chain of title, and, because MERS is premised

In this same article Mr. Arnold also states “The sheer

In an interview for The New York Times, Mr. Arnold said,

Mr. Arnold went on to say that, ” far from posing a hurdle

Unfortunately, even a simple search in the Florida Land

Records proves the opposite to be the case. Researchers

According to affidavits such as these, not only have the

On September 25, 2009, Mr. R.K. Arnold was deposed in

Yet again, researchers have easily located affidavits

NO. THERE’S NO LIFE AT MERS

Aside from not recording assignments, Mr. Arnold failed to

mention that the certifying officers given authority to

On April 7, 2010, in the Superior Court of New Jersey,

Q Do the assistant secretaries — first off, are

Q Are you a salaried employee of MERS Corp,

Q Are any of the employees of MERS, Inc.

Q Does anyone get a paycheck, if they are an

Q I thought, sir, there’s a company that was

A No, it does not.

Q Does it have employees?

Q Does MERS have any employees?

Q Does MERS have any employees currently?

Q In the last five years has MERS had any

Q How many assistant secretaries have you

Q Have you been doing this all around the

Q And all these officers I understand are

Q And there’s no live person who is an

If so, how does anyone have any authority to sign security

COURTS FIND ISSUES WITH MERS

Federal and state judges across America are realizing that

In Mr. Arnold’s own words, “For these servicing

Again, MERS only acts as nominee for the mortgagee of

system MERS maintains, called the MERS System. MERS

The Supreme Court of New York Nassau County:

The Supreme Court of Maine: