Thursday, July 26, 2012

The Boy Who Cried Force Placed Insurance Chapter 2A: The Ascent of Dissent...

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<---Previous Chapter

"You're on your own. And you know what you know. And you are the one who'll decide where to go..." Theodor Seuss Geisel
Q1 2012 - I'm feeling stronger. Living with my parents isn't an ideal situation, but I'm alive and safe for the time being. Although they don't agree with my decisions, my parents begrudgingly provide me with room and board. Regulators are finally using the inside information I provided to uncover the truth, the media is finally beginning to cover the story, and I finally have the shot I've been waiting for...

I begin contacting journalists again. It's much different than last year when I was doing the same thing. This time around I'm more experienced. Force Placed Insurance is beginning to garner the attention of both regulators and the media. More journalists are beginning to understand the terminology I'm using. I sound less like a fringe lunatic speaking in a made up Sigur Ros language and more like an expert in a dark, shadowy corner of the mortgage & insurance industries. I'm able to secure meetings with organizations that laughed me out of their offices a year prior. While I appreciate the sudden shift in attitude, I still remember the pain of last year. I'm no longer an amateur with the media. I know how to handle them like a pro now.

With the inquiry in New York pending, I have a lot of studying to do. Who is Benjamin Lawsky? What is Andrew Cuomo's goal? What can these guys do to the banks anyway? I've already seen my deposition get hidden away under the table by white collar criminal investigators. I watched as so-called regulators chose to watch out for their own best interests rather than those of their constituents. What makes Lawsky any different?

February 2012 - While I'm gaining traction in my journey, Wall Street strikes another blow to Main Street. This month the Department of Justice and most of the 50 State Attorneys General will give the Wall Street banks a “Get Out of Jail Free” Card. The foreclosure settlement is essentially a joke. Homeowners will consider themselves lucky to pull $1000 each out of it. Losing your home is devastating. Having it stolen from you by the banks adds insult to injury. When those who are supposed to be protecting and defending your interests blow you off with such a minute sum, it becomes almost unbearable...

On February 9, 2012 the State Attorneys General Coalition announces their $25 billion foreclosure settlement, which is by far the largest bank payout since the housing crisis began. On the surface it sounds great, but underneath the sparkling marquees, we all know it means nothing to the consumers who have been struggling the most. The only good news I can find in the settlement is that media outlets are finally finished chasing this carrot and are looking for new stories related to the housing crisis. With over a year to prepare, I have it on a silver platter for them.


I spend my days training financial journalists from every news outlet I can think of on the inner workings of the banks and the implementation of Force Placed Insurance. Many of them still have ridiculous requests. I'm asked to do very questionable and immoral things by the mainstream media outlets. They all want to be the one to break the story of the century, but they aren't listening when I give them all the information they need to do so. They think the kickback scheme is going to be easy to see. They fail to realize how easy it is to see if they'd just think and stop looking for an easy answer. I find myself wondering how these people are considered professionals in the first place.

This is when I lose what's left of my faith in mainstream society and start believing more and more in the Anonymous ideals. None of the followers of Anonymous ever uses my situation for personal or professional gain. It was the politicians and regulators who tried that. No follower of the Anonymous ideals ever attempts to convince me to do anything illegal or immoral. It's the members of the mainstream media who are requesting that.* It becomes more and more evident with every step I take that the only people I can ever trust are those who support transparency...

...and as the one year anniversary of my document leak with Anonymous approaches, Benjamin Lawsky and his New York Department of Finance put the banksters on the hot seat in a live public webcast...and I watched as the same fraud I spoke about for over a year is admitted in sworn testimony...and I caught the banksters lying on the stand about their fraud...and I called them out...and I watched them react to it live...

Now I know the banks are watching me. I know they're afraid of me...and I know why...

Next Chapter-->

*Note - The journalists for The Huffington Post and American Banker were not among the members of the media who asked me to do anything illegal. I included them in my blog because they acted with the high level of journalistic integrity one would expect from a respectable news outlet. I refuse to mention the names of "journalists" or publications who acted immorally or unethically. As far as I'm concerned, those unscrupulous outlets no longer exist.

Sunday, July 22, 2012

The Boy Who Cried Force Placed Insurance Chapter 2: Changing Tides...

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2011:
While the Occupy movement picked up steam worldwide, I was seriously struggling, both personally and professionally. By the end of 2011, my life was in shambles. The banks had hit me with everything they had. I owed the IRS money due to an audit resulting from documentation the bank sent them. I was struggling to pay my bills, so my internet & electricity would occasionally shut off. I faced several weeks of the Phoenix summer without air conditioning. I sold nearly all my personal possessions, pulled a title loan out on my Cadillac that I knew I'd never pay back, and moved in with my parents in a small town near the border. When I got there, I was both mentally broken and emotionally unstable. It was part of the plan...but that provided little comfort through the storm...

I spent the Summer and Fall of 2011 exploring my personal demons through the use and abuse of drugs and alcohol. I knew that in the end, it was going to boil down to me against the bank. I had already experienced their retaliation machine firsthand, and I was not about to let them intimidate me. I knew the bank would look for weaknesses to attack, so I took a page out of Keysor Soze's book and launched a preemptive strike. I tore myself apart in every way I could think of. I reduced myself to an unstable, emotional, shattered mess of a person. By the time I was finished picking apart my psyche, I was barely recognizable anymore.

January 2012:
Thousands of homeowners throughout the country are being foreclosed on, even evicted, often through the greed and fraud of the big banks, law firms, and mortgage companies that crashed our nation's economy in 2008, but the 99% are fighting back in full force. With the 48 State Attorneys General's foreclosure settlement looming on the horizon, I'm beginning to lose hope. The settlement is rumored to cover a mere fraction of the actual losses sustained by the American populace. Early reports indicated this was to be nothing more than another blow from the banksters to the citizens. My deposition appeared to have changed nothing.

I'm working part time as a security guard in a dilapidated strip mall. My brother and parents treat me like a failure. I can sense the pity, and it does nothing but anger me. Maybe I was wrong. Maybe I made a mistake. Maybe I should have just let the atrocities continue. When I fall asleep at night, I don't know what's going to happen anymore. Sometimes I wake up smiling just before dawn, feeling proud of myself for being strong enough to stand up for the innocent. Other times I wake up in the middle of the night terrified and unable to breathe, having flashbacks of the many shadowy figures I encountered on my journey. There are some days I don't even want to wake up at all, and opt to lay in my bed staring at my ceiling fan or a candle, desperately searching for a port in the storm.

Every day I search the news, seeking evidence of any kind that I didn't throw my life away for nothing. Every day I try to find hope in the midst of despair as I pass the one year anniversary of my departure from the bank. Finally on January 11, 2012, I woke up to an email from Lisa:

"BRIAN, this is YOUR issue! http://www.reuters.com/article/2012/01/11/us-banks-idUSTRE80928Z20120111" - Lisa Epstein - 1/11/2012, 9:32 AM


It turns out I'm not being ignored. The information I meticulously fed into the system had caught on. Someone was listening. While Lisa and her supporters defend homeowners from Jamie Dimon's henchmen in Florida, I meet with regulators from Benjamin Lawsky's New York Department of Financial Services to discuss the internal workings of the banks and connect some of the dots from the scattered information they received during their investigation. Several times during the meeting, we have to stop, as the chants of Occupy Wall Street protesters in nearby Zuccotti Park get too loud. I can't help but smile as Joy apologizes to me for the protesters. It takes all the strength I have not to apologize to her as I can hear the frustration in her voice, and I know my part in creating the events unfolding outside her office.



I give Lawsky's office just barely enough information to get them excited, because I have grown to distrust politicians and regulators by this time, having already been thoroughly disappointed by the treatment I received from Arizona Attorney General Tom Horne and Sen. John McCain. After discussing the events with Lisa, I'm invited to speak on her radio show the next week. While the rest of America is relaxing and watching the NFL Playoffs, we're working our fingers to the bones in very different roles in the class war.

CALL IN TO WSBR South Florida 740am at your assigned time please
1. *Jeff* about 1/26 Fraudclosure Teach in Broward after break at*6:20pm* 
2. *Maia* about 2/16 Foreclosure Awareness Day Rally in Tally after break at *6:40pm (this is just a quick update)* 
3. *Brian* about forced place insurance scam at *6:45pm* (will talk until 7pm break and then back on for 7pm segment) 
4. *Glenda* about her effective actions in central Florida opposing due process violations in Judge Dickey's 300 cases in 3 days fraudclosure court at *7:20*



By the end of January, I have my confidence back. I'm exactly where I predicted I would be one year ago. I've faced my demons and come to terms with my decisions. I'm stronger than I've been in a long time. I'm at peace with myself. I'm ready to fight again...