Get your copy at: http://IsMERSInYourMortgage.com Do you know what happened to your mortgage at the closing table?

The American Homeowner is in the dark about the new mortgage securitization industry and how it has split the mortgage from the note, and have converted promissory notes into pass - through - bond certificates", using the MERS electronic registry! According to New York Bankruptcy Judge Robert E Grossman MERS IS AN ILLEGAL SYSTEM, "...that does not comply with the law..." Now American properties are FREE and CLEAR legal NULLITIES and American Homeowners don't know anything about this! My goal is to alert the American Homeowners, they must take the time to learn what the mortgage securitization industry has done to their mortgage and 70 Million Plus (and counting) American Mortgages! If you've own property in America since 1997, your property could be one of the 70 million thats free and clear!

IF MERS IS IN YOUR MORTGAGE YOUR PROPERTY IS FREE AND CLEAR ALREADY! According to the real estate laws of this country! If you want to know if MERS is in your mortgage you must begin by understanding what has happened to your mortgage! Or if your in a legal battle with The MERS Mortgage Mafia you must first, know what they have done to your mortgage and promissory note that affects you even if you are current on your mortgage. Presently you are in the dark about the transformations that has taken place with your mortgage and promissory note; it is not what you think it is anymore. Your promissory note has been changed into an investment tool and sold at the Wall Street Casino. This action has set you free from a secure mortgage; learn the whole story inside this book! If you want to know if MERS is IN your mortgage or if you want to know what happen to your mortgage at the hands of , The MERS Mortgage Mafia then you need to learn what has happened to the mortgage industry over the last 10 years that has affected your mortgage and promissory note. I guarantee that this will be the most important letter youll read this year. The untold truth is. The mortgage securitization industry giants have made the biggest mistake in American history and no one is telling the American People that this mistake has set them FREE from a secure mortgage, I call it The MERS MISTAKE!

You need to STOP and take the time to see if MERS is in your mortgage! If MERS is, then your property has been made free and clear because of the

MERS Bifurcation at the inception of your mortgage! In this book you'll learn the 7 Steps to Finding Out If MERS is IN Your Mortgage! In court rooms all across this country homeowners are winning their homes FREE and CLEAR because the Banks dont have the paper work to prove they own your mortgage in court! They destroyed the very documents they would later need and they deliberately put MERS in its place, which is an illegal electronic registry. What MERS has done is called BIFURCATION! Read this recent case where a California homeowner won her case against Deutsche Bank America's Foreclosure King and now her home is FREE AND CLEAR AND FORECLOSURE PROOF! Google the case: Denise Saluto v Deutsche Bank Default Judgment A Riverside, California homeowner, Denise Saluto, who was in foreclosure filed for quiet title against Deutsche Bank National Trust, as trustee for Long Beach Mortgage, and its successors and/or assigns, and Washington Mutual Bank, successor in interest to Long Beach Mortgage Company and won by default. (And Washington Mutual, turned into JPMorgan Chase.) Thats right neither Deutsche Bank nor JPMorgan Chase responded to the lawsuit. When this happens, the Plaintiff still has to present his or her case, but its unopposed so its not exactly the highest of hurdles. After considering the evidence presented by the Plaintiff, the court entered judgment in favor of Plaintiff and against the Defendants, thereby voiding her Trustee Sale and the Deed of Trust. So, presto-change-o no more mortgage as in its a free and clear house! Ms. Saluto may still owe the debt, but the mortgage company is now like Visa or Mastercard, insecure because theyre unsecured. And no one wants to be unsecured, especially in bankruptcy court. Read the full article here: http://tinyurl.com/d62m734 Dont believe it then Google the case! This is happening all over this country because the thieves dont have the paperwork to prove their ownership! SO WE WIN! MERS IS THE MORTGAGE INDUSTRY GIANT'S BIG SECRET MISTAKE! The Banks DONT have the paperwork to show up with in court so we, the homeowner win hands down! The real estate laws of this country are on the side of the homeowner!

Dear American Homeowner, I would like to take a minute to tell you who I am and then talk to two groups of homeowners right now, the homeowner thats current on their mortgage and the homeowner thats behind on their mortgages for whatever reason. You all are in the same boat when it comes to your mortgages and you dont know it. My name is Richie Collins and I live in Louisiana, and I am in the second group of homeowners, in 2004 we purchased a $250000 home that Hurricane Katrina wrecked, it took the roof off our home while we were all honker down in it. The story of our encounter with hurricane Katrina is told in the Prologue of the book Hurricane Season by Neal Thompson. I was drawn into a foreclosure fight with a company I had never heard of nor did any business with and that company is Deutsche Bank America's Foreclosure King as they are called in the Bloggest Sphere. I have been fighting Deutsche Bank National Trust Company since 2007 and by the grace of Almighty God I am still in my home mortgage free for the pass five years, because they don't have the proper paper work to prove they own my mortgage note. I am an average homeowner but I am not a DEADBEAT! In 1973 I served in the U.S. Army

National Guard, I am a mother, a wife, a grandmother and a native New Orleanian. My husband was a Hazardous Material truck driver earning between $80,000 to $100,000 a year, we could afford the home we bought! But because of the hurricane flooding the roads, he had no work for a while, which caused us to get behind on our mortgage. Our mortgage servicing company Countrywide put us in a mortgage workout program that fell through because they went into bankruptcy. I have been hospitalized with bleeding ulcers because of this fight, but thank God Ive recovered. I had never done any business with this company and I didnt know why they were trying to seize my home. I have a pretty good real estate background so I began doing research to find out who they were and why were they trying to illegally take my home. To make a very long story short I have been in and out of court with this company for years and they know they dont have a leg to stand on when it comes to them having legal standing in my case. For the last 5 years Ive been researching illegal foreclosures in this country and I never thought Id see the day when massive criminal mafia like activity would sweep the mortgage industry. And as an astute American Homeowner through my extensive research Ive learned the secrets of the mortgage securitization industry, how they steal homes they have no legal rights too. I am no fool and I know I am not obligated to pay the wrong lender! Ask the Miami-Dade Circuit Court Judge Jennifer Bailey who sent a message to every lender who presupposes that simply being owed money by a borrower is enough to circumvent the laws of this country. While doing my research I found out that the American Homeowner doesnt know anything about what has happened to their mortgage and promissory notes. They don't know that the American mortgage system has changed and we don't have the old 30 year mortgage system anymore. We are now in the new age of the "mortgage securitization system" where a mortgage is securitized sometimes 24 hours after it's obtained by the borrower and the borrower knows nothing about this securitization thats taking place right under their nose. That's one of the mortgage securitization industries dirty little "open secrets". As you can tell, I am not a sophisticated copy writer, I just want to share with you, the American Homeowner what is happening in the current mortgage industry that you are unaware of but this information is important for you to know. You as a homeowner must find out the state of your mortgage. The latest illegal activities of the mortgage securitization industry affect everyone who has gotten a mortgage since 1997. So I decided to write a book which would be the best way to expose their 5 OPEN SECRETS, so the American Homeowner could learn about this new modern day mortgage industry and these, 5 OPEN SECRETS that they (the mortgage securitization industries) have successfully kept from them. Over the years through networking I've discovered that the average homeowner doesn't know what has happened to their mortgage at the closing table, how it was secretively securitized after they finish signing their closing documents and sold as bond-certificates at the Wall Street Casino without their knowledge. This was secret fraud! So I sat down and wrote this book to reveal what I've found out about the mortgage and promissory note that is not widely known by the average American Homeowner. In this book I tell my own story because I was caught up in the new mortgage securitization industry web too. It almost destroyed my life! It was an intense fight with Deutsche Bank! In this book I tell how MERS and Deutsche Bank both claim to hold my note at the same time. I found two-illegal-fabricated-fake-forged assignments, one from MERS and one from Deutsche Bank. And get this, Deutsche Bank claims that Acoustic Home Loans my original lender came back from the bankruptcy grave (they gave up the business ghost in 2006 according to California State records) just to assign Deutsche Bank my promissory note in 2010. Imagine that! Through my extensive research Ive discovered the mortgage securitization industry 5 OPEN

SECRETS that they dont want the American Homeowner to know about. Because when the American Homeowner WAKE UP and STOP MAKING mortgage payments into a BLACK HOLE, these 5 OPEN SECRETS is going to bankrupt the mortgage securitization industry, and bring them to their knees! Why do I call their illegal activities OPEN SECRETS?

Because the mortgage securitization industry over the past 10 years have made massive criminal OPEN changes to the mortgage system. But manage to keep all this criminal activity a SECRET from the American Homeowner and the general public.

I have discovered the mortgage securitization industry 5 OPEN SECRETS, so I have written this book to tell the American Homeowner how these secrets affects them in a bad and at the same time, good way. The time is coming when the average American homeowner will eventually be drawn into a nightmare of their own, when they try to sell their home or they try to get a refinance. They will not be able to get a clear title to their property because they have a clouded title that they dont know about! MERS has clouded their titles! They also don't know that because of MERS their properties are now free and clear and foreclosure proof. Guest what? MERS and the banks don't have the paperwork (the promissory notes) to show that they truly own our mortgages! How can they? When their business model was contrary to the traditional way of doing mortgages! This book will tell you how to find out if your home is one of the 70 million plus properties thats free and clear. Inside this book youll:

Learn how the mortgage securitization industry quest for the eMortgage Utopia turned into a massive systemic criminal enterprise. Learn about the OPEN but SECRETIVE overhaul of the American mortgage industry over the last 10 years. Learn how our mortgage promissory notes were converted and transformed into investment certificates then converted to eNotes, learn what happened next. Learn which 4 groups of Americans are ignorant to the illegal activities of The MERS Mortgage Mafia which keeps them in business.

Do you know how many times your mortgage promissory note have been sold in the MERS eRegistry System? One homeowners mortgage promissory note was sold over 600 times.

Learn about the 4 groups within The MERS Mortgage Mafia. Learn the difference between the old 30 year mortgage system and the new securitized mortgage system which is fraud and it takes place at the mortgage closing. Learn the 3 groups of American Homeowners affected by MERS. Learn how MERS clouded the title to 70 Million Plus American Properties.

Heres Step 1 page:

When you get to the end of this book you will know what happened to your mortgage and the

American mortgage industry and how it has morphed into the new mortgage securitization industry over the last 10 years. Listen, I am just an ordinary person who was living life real good before Deutsche Bank came knocking at my door. They remind me of the Orkin Exterminator TV Commercial, when the giant roach tries to get in a home by trying to deliver a pizza, that no one in the home ordered. Deutsche Bank tried to pretend that they were my lender, but I knew better. And my fight with this pretender lender began! And Ive been winning by the GRACE of GOD ever since! I want to alert the American homeowner to the secret activity that has changed their mortgage and promissory note and the mainstream media is totally silent about all this illegal mafia like activity.

Wake Up American Homeowners! Your Property IS ALREADY FREE AND CLEAR! You just dont know it yet! But this book will reveal to you what has happened to your property that you dont know about! It has been set FREE!
The MERS Mortgage Mafia dont want you, the American homeowners to know that in their greed they have made a BIG mistake that has rendered 70 million plus American homes free and clear and foreclosure proof. According to decades of settle case law and the common laws of almost every state in the union MERS have Bifurcated 70 million plus US mortgages; and BIFURCATION of the mortgage from the note has rendered these mortgages unenforceable, and a legal NULLITY which means these mortgages are NOW invalid, thanks to MERS. There is no valid lien on your property! And if you have a MERS mortgage. You have an unsecure debt! Learn more about this inside this book.

This means that these loans/promissory notes are a LEGAL NULLITY so says the United States Supreme court in the case Carpenter v. Longan, and the recent 2009 US Bank v. Ibanez case! Now you have to find out if your mortgage is a legal "nullity"! IBANEZ IS A RECENT CASE WHERE THE HOMEOWNER WINS THEIR CASE AGAINST THE BIG BANKS! That's because the real estate laws of this country are on the side of the homeowner! And the Big Banks are paperless and have no legal rights to these homes! Here is one of their dirty little OPEN SECRETS! Your mortgage and promissory note has been SEPARATED as per their business model, the mortgage industry giants in their securitization scheme has made the biggest mistake in American history. What did they do to the paper promissory notes? HINT: Their goal was to make way for a better, faster, more profitable eNote. But only a person in possession of the actuall paper promissory note a negotiable instrument can bring a claim in court against a homeowner. So what did they do to them? This was their BIG MISTAKE, their unintended consequences, they did not intend to set you free from a secure debt but they DID! The paper promissory note is a negotiable instrument just like a dollar bill, and there are certain things you cannot do to a dollar bill and expect payment from it. The same principle applies to the promissory note. The person in possession of the paper promissory note possesses all the rights and the cash flow of that instrument. So why don't they have the paper promissory notes? Well, learn what happen to them.

In this book I REVEAL What happened to The Paper Promissory Notes!

What changed to make way for a better faster model called the eNote? Which by the way is not a negotiable instrument recognized by the Uniform Commercial Code of the UCC, which governs the paper promissory note! The big banks and MERS have made the biggest mistake in American history; and because of this; The MERS Mistake has clouded the titles to 70 million plus American homes and no one is telling the American people about this game changing event. But, this book is your introductory guide to what has happened to these paper promissory notes and finding out if your home is one of the 70 million homes that has been made free and clear because of their BIG MISTAKE! You will know if MERS is IN your mortgage! Your home may be Free and Clear right now! So where is your IOU? Is it one of them? This book will tell you how to find out if your home is Free and Clear and Foreclosure Proof!

Learn what The MERS Mistake is. Learn what the mortgage securitization industry has done to your mortgage. Learn their secrets about your mortgage and promissory note that they don't want you to know about, because it will bankrupt them! (But they have been able to keep this secret all this time, how I don't know?) Learn the 5 open secrets of the mortgage securitization industry. Learn how they steal homes they have no rights to. Learn how to identify if your property is one of the 70 million. Learn the 7 easy steps to finding out if MERS is IN your mortgage. Learn what to do if you find MERS in your mortgage. Learn how to get your house free and clear if MERS is in your mortgage.

A Homeowner is not obligated to pay the wrong lender, especially a lender that has no legal rights or legal standing to their property. In April 2012 my state Louisiana, initiated a lawsuit against 16 banks under the Rico Laws and Deutsche Bank is one of them. Here's a quote from this Louisiana RICO lawsuit, listen to what it says about the MERS scheme: "36. Under the MERS scheme, MERS is named nominee and mortgagee for members' successors and assignees through an assignment of the members' interests to MERS. The members then retain the note and servicing rights to the

mortgage. Whenever a MERS member electronically sells or transfers its interest in a mortgage loan to another MERS member, MERS privately tracks the assignment within its system but does not file any indication of such transfer in the Plaintiffs' records. 37. As long as the sale of the note is made to another MERS member, MERS represents that they are the "nominee for the new beneficial owner," and does not record the assignment in the public records. Since there is not an assignment recorded in the public records, MERS members avoid paying an assignment fee to the parish, no matter how many times the note is transferred. (38. Omitted because it is a diagram.) 39. A person satisfying their obligation and paying off the promissory note must pay the owner of that note to discharge any mortgage. A foreclosing party must possess and hold both the note and the mortgage securing the note in order to have standing to foreclose on the mortgage lien. In the event that a mortgagor stops paying their note, MERS attempts to re-combine the note and mortgage by recording an assignment of the mortgage to the current holder of the note. 40. The MERS scheme is defective and deficient. MERS purports to work by separating the promissory note from the mortgage. Under established Louisiana law, the note and the mortgage are inseparable. As such, a transfer of a note carries the mortgage with it, but the assignment of a mortgage without the note is a nullity. Therefore, under Louisiana law, the MERS transaction is actually:.(the last word "actually" points to an ommitted diagram) 41. Defendant Trustees have a duty to create and maintain a perfected lien on the mortgages backing securities that they have issued to the public. This duty requires that a Defendant Trustees properly record each mortgage and any subsequent conveyance of that mortgage in order to maintain priority of the lien under Louisiana Public Records Doctrine." AND MERS ASSIGNS ONLY THE MORTGAGE TO THE CURRENT NOTE HOLDER WHICH IS A LEGAL NULLITY AND THEY DON'T OBTAIN NOR MAINTAIN A PERFECTED LIEN! Therefore, the state of Louisiana is suing MERS and its 16 member lenders and in the lawsuit describes The MERS Mortgage Mafia's, criminal activities! Thats what I call bringing those crooks to JUSTICE! Homeowner's are not obligated to pay the wrong lender! And courts are required by law to protect the homeowner from paying the wrong lender. Especially a lender that has no legal rights or legal standing to their property because they are pretender lenders! This means they're not the real lender so they "don't have legal standing" in court! Learn the 7 Easy Steps To Find Out if MERS is IN Your Mortgage. Know the state of your mortgage and dont make payments to theWRONG LENDER! And demand to know who your real lender is or dontmake another mortgage payment until you do. This book will show you what to do. DEMAND TO KNOW WHERE YOUR MONEY IS GOING!

Do You Have a MERS Mortgage?

Only costs $14.95

Its time to get out your mortgage documents and find out if MERS is IN your mortgage!

This $14.95 will be well worth it, if it can help save your home from The MERS Mortgage Mafia! Of course your purchase comes with a full

100% 60 day risk free, money back guarantee - no questions asked.

After reading Do You Have a MERS Mortgage?, if you feel that you haven't learn anything new about this new mortgage securitization industry and you aren't satisfied with this information, I will gladly refund 100% of the money you paid. You'll get IMMEDIATE ACCESS to this PDF book and you'll be able to download and read it. When you receive it, print out the book, and keep it visible in your immediate workspace because it has court cases won by average homeowners, some representing them selves in court as a Pro Se. My prayer is that Ive enlighten you regarding this matter and you will begin to do your own research and read the many legal cases online being won by homeowners in all 50 states, they are fighting the good fight against

The MERS Mortgage Mafia!

After you download it take the time to read the entire manual. 1. It will show you the fraud and what happen to your mortgage at the closing table that you didnt know about. 2. It will show you how you got a cloud on your title and what to do about it. 3. It will show you how to do a general (simple) title search of your property so you will know beyond a shadow of a doubt if MERS is IN your

mortgage and what has happened to your mortgage and promissory note. Once you know the state of your mortgage from the court house records you can begin by geting legal advice to help you plan a strategy to assist you with a possible Quiet Title case to clear and extinguish all illegal MERS claims against your home from the public records. It's not a straightforward process. You will need legal advice.

Here's to your good fight against the Gangster Banksters!

P.S. I am also writing another book called The MERS Mortgage Mafia if you would like to learn more on this subject where I break down each step to their securitization scheme then order my next book The MERS Mortgage Mafia by sending an email to TheMERSMortgageMafia@gmail.com . IsMERSInYourMortgage.com Send any questions to: Richie Collins at TheMERSMortgageMafia@gmail.com Copyright 2012 IsMERSInYourMortgage.com | Richie Collins| All Rights Reserved

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