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A Few Crumbs of Good Housing News - Housing Tracker

Escrow Anti-Trust Special Procecuter Will Reform Civil Rights Lender Accountability, Alvin Texas 77511 Born 09/17 Constitution Day, “We Hold These Truths to Be Self Evident!” Justice Denied because Damage, simply relates, International Commerce’s permission that Payments, Deserve Credit, Affronted Authority Squanders Laws Subservient by emboldening forsakenly.

Standard 6.5% 180 Month Fixed 5/01 Loan $77,000.00 No Second, $60,000.00 Available Credit Card Credit “0” Due, all 2001 Coupon on-time Payments then Lender Transferred, 1/02 2/02 3/02 Timely Payments then 4/2002 to 4/2003 Escrow Shortage $103.34, equivalently 60 Month Deprived Life-time earned Accountability.

Ignored DEED Preemption Clause Precedent Complicated Loan Transfer, “Proof of Payment” Investigation Team’s attempt at Principal Misapplication reversal Deducted Escrow to avoid Contractual Damage, but misapplied all Funds Erroneously, that became evident a week later when Escrow lacked Funds for County Tax Payment, assuming Faults Blame elsewhere Team was simply Forced to Claim Escrow reductions Funds 1098 Taxable. Concealment became Anti-Trust by omitting 29 Day’s from the after Transfer available Loan History {Lender admitted “Principal Curtailment” and erroneously Misapplied Escrow} 48 Months Concealment of both equates “Escrow Curtailment.”

Escrow Reduction Applied November, 2001 Paid by both Lender’s and December, 2001 on all Loan History’s was absent of Payment itemization, then and now.

In 2002 In-House Forth Credit Report Agency {Named in Testimony} held Loan Hostage by omitting 12/2001 Payment History accreditation {Void/Blank = Shaded Box} blocking outside Refinance Forcing Bankruptcy and Bankruptcy Trustee Paid in Full to Close account Years Ago, Reopened Three Times only to refund Amounts.

Demanding Credit for Payments at Bankruptcy Conformation Hearing, Judge Ordered’ Attorney File “Proof of Claim” {Judge Demanded Signature} Staying Conformation for 60 Day’s, Allowing Time to expire resulted in DEED Preemption Clause Sequestering to safe Harbor Possible Lead Plaintiff’ Class Action’ effect on Market Stability, Attorney was Forced to relocate Case-Load outside Houston.

New Attorney Payment History R.E.S.P.A. Request was Ignored, then Better Business Bureau expelled Lender for Ignoring My R.E.S.P.A. Request that intentionally allowed release of Bankruptcy Stay’s Advancement, “But” Lender Archive’ Department, Unlocked by E-Mailing 48 Month Coveted Loan History on same Day Showing, November, 2001 Escrow Reduction & “Principal Curtailment.”

Lender Formal Statement of Accountability was forced for both of the Misapplications in 2001, then Core Adversary’s Hearing. Judgment Ignored Admittance Statement accepting instead “Common Practice” Defense of Breach of DEED Contract and Escrow Anti-Trust, then Revised DEED Precedent Clause by Cropping Top half off Plagiarizing relative Paragraph, Awarding meager Damage for Ignored RESPA Request.

October, 2005 Trial’s 02/23/2006 favor Judgment Award, hired Appellate Attorney Day after Case Denial with Referral by Co-Council, from Bar Association recommended Office Appointment, {10 Day Appeal Time-frame was Coveted by Judge} “on Time by RULE # 2005” Appeal Denied for Time expired {15th Day of 11 Day Home Mailbox Served, -5 Day RULE = 6 Day Allowed – Sunday’s?} Excusable Neglect Appeal Denied by ENRON Judge, Fifth Circuit Denied overruling same, Appellate Attorney failed to explore Merits or Post Case to Printer for U.S. Supreme Court Cert. Petition, then December, 2007 Lender Returns $7,515.25 Loan Payments, Mooting Judgment, Self Selecting Damages, Threatening Foreclosure 05/06/2008 to “Case Law” Theft “Common Practice,” Blanketing Breach of DEED Commitment and Escrow Anti-trust Defendable for Corporate Megalomania.


1. Sued Washington Mutual for Damage, after forcing Formal Admittance Statement that through Loan Transfer Principal and Escrow were reduced. Equating {2001 “Principal Curtailment” Breach of DEED 180 Month Term Commitment $778.34} and {2001 “Escrow Curtailment” Anti-trust $637.22} Loan Manager Coveted the Pertaining Loan History, holding Loan Hostage for Lender Arrear Error of Twelve Escrow Shortage Payments amounting $103.34 that Started April, 2002 Ten Months Old Loan, all Payments Current Paid-up on-time before April, 2002 Credit Report Damage Blocked outside Refinance September, 2002.

1A. Refinance Block’ forced Bankruptcy, Loan History was Coveted from Attorneys until released Stay {$1,415.56 missing for 48 Month’s, now Located without Credit!}

By release of Stay, Loan Closed, Loan Histories Transferred to Archive’ Department and Teller unlocked by E-Mailing, revealing both the Coveted Bank One “Principal Curtailment” Abandonment of December, 2001 and Homeside Lending Erroneous attempt at “Curtailment” reversal that Admitted Erroneous Misapplication of Escrow, in November, 2001, The “Escrow Curtailment!”

All Proof Relates Both Lenders Credited November 2001 and Abandoned December 2001 to create the Twelve $103.34 Escrow Shortage Demand. Bank One and Homeside Lending Refused Bank One Loan History, and Loan Manager’s Protection of Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating All Loan History’s after “Escrow Curtailment” Reduction.

1B. Bank One N.A. or Homeside Lending F.A. needed to Write-off and Pay Back the Escrow’s $778.34 “Principal Curtailment” or Originate Principal Term Commitment financed. Problem was Failure to Communicate, reversing the 2001 Damage. Instead Loan Manager sent $336.00 Check from Escrow already in Shortage, Credited Wrong Month, Coveted the first 29 Days of Loan History to Protect both “Curtailments,” reported Escrow Reduction on Form 1098 Taxable and Falsified Credit Report by Shading Box Void/Blank. Fearing Credit Reporting exposure, Loan History was protected until release of Stay Day, when Archive responded by E-Mail supplying Loan History, their Fault Admittance Statement followed. The Audacity was Damage Admitted and shortly later Disputed on Court.

The Extreme Audacity is Damage amounted to Theft Concealed, with all Dispute’s Dispelled, Judge picked O-well’ to Plagiarize Damage Commitment!

1C. Foremost’ Credit Report must Notate Bankruptcy’s “Faults Blame” on Loan’s Credit Report to equate Real Damage reversals Fair Non-monetary Justified repair.

1D. ({“Point Counter Point”}) Loan History Abandoned December of all Credit and November “Escrow Curtailment” needed Additional $131.12 if it was intended to Reverse “Principal Curtailment” Damage, Lender Statement, Detailed “Erroneous” Escrow “Misapplication.” Escrow Shortage Increased Payment Demand for Twelve Months by $103.34, but Lender Attorney Claims 11/10/2001 Escrow Reduction was accomplished on 11/28/2001 to Pay December, Loan Histories started 11/29/2001?

1E. Curtailment Accountability by Lender! Loan Forced Insolvency by Escrow Curtailments = Bank One “Principal Curtailment” $813.48 Payment $-34.14 P.M.I. = Damage $-779.34

Bank One Transferred Escrow on 11/01/2001 $1,289.85, Lender Paid 12/10/01 County Tax $1,168.26, Escrow $336.23 Returned 12/12/2001 {Interest 11/28/2001 Paid $383.88, Principal 11/28/2001 Paid $253.34} = $-851.86

Bank One Damage $-779.34 + 4 Escrow Payouts $-851.86 = $-1,631.20

Loan Escrow Balance acquired in 2002 before 4/2002 accounted by Subtracting from the 2/22/2002 Statement’s, Escrow Shortage Demand.

1/2002, 2/2002, 3/2002, Escrow Payment’s of $175.27 x3 Months is $525.81, 1/2002 & 2/2002 P.M.I. is $-68.28. Escrow Paid 02/22/2002 $525.81 $-68.28 = $457.53.

TOTAL ESCROW SHORTAGE $1,189.35 + $457.53 = $1,646.88.

Escrow Balance from Damages and Pay-outs on 12/12/2001 $1,631.20

Escrow Shortage Demand and Adjustment related to 2002 Demand = $1.646.88

$15.68 Unaccounted but that’s Quoting Step (2) Escrow Analysis Statement “$1,189.35 divided by 12 Month’s = $99.11.”

Step (3) Actual Demand is $1,240.08 divided by 12 Month’s = $103.34 Accounting $1,240.08 + $457.53 = $1,697.61 - $1,631.20 = $66.41 expecting P.M.I Pay 3/2002 $-34.14 = $32.27 Unaccounted.

The above 17 Lines details every Lender Action’s Activity, every 2001 Payment was Prompt on-time and every 2002 Payment related above was Prompt on-time, Loan was 10 Months old on 01/04/2002, December 2001 is absent of History, and the Direct Source of the 12 x $103.34 Escrow Shortage Demand that Forced Insolvency by Curtailments and Attempted Curtailment.

Brief General review not Actual; trade Tax Payment for Transferred Escrow = 0

Bank One “Principal Curtailment” Damage $-779.34 Damage!

Escrow Reduction Paid November, 2001 $383.88 + 253.34 = $637.22 Damage!

Escrow Return $336.23 Damage! $779.34 + $637.22 +$336.23 = $1,752.79

Damage’s $1,752.79 Divide by 12 Month’s = Shortage of $146.06 not the $103.34. Both 2002 Loan Histories Received, Loan Statements Received, and Credit Report would have Itemized December 2001 Action, Loan was Coveted 48 Month’s.

General Review; skip $637.22 Escrows! $779.34 + $336.23 = $1,115.57 = $92.96 not $103.34 “Curtailment” is Damage, Overall Principal needed Pay-back = $779.34.

1F. Day Rate damages was Substance of Lawsuit, now over 2,345 Day’s Deficiency {Asked to Testify sought after Damage’s reply was Unqualified allowing Self-Prejudice equating $1,000.00 Day-Rate without happenstances President understanding or Doubling’s Practicality} $1,000.00 Award was Appealed.

Bankruptcy Attorney received expense Judgment, December, 2007 Washington Mutual used the Courts to return $7,515.98 Loan Payment, Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, picking Damage with willingness, forfeiting Accountability and Address.

Then in 2008 Served Trial Damage Award, belated 24 Months, without requested % Interest, Lender Intends to Foreclosure 05/06/2008 seeking Out of Hand Dismissal, if Federal Anti-Trust Statue of Limitations carries Four Year’s, early 2012 allowed to Include First Attorney if/or Defended Trustee’ Charge.

1G. Demanding Credit for Payments made at Bankruptcy Conformation Hearing, Judge Ordered Attorney to File “Proof of Claim” on the recorded record. Judge Required and Accepted My’ Signature to Conform Bankruptcy but held Paperwork for 60 Days to Stay Conformation, Ignoring Judge’s 60 Day’s Attorney Quit all Houston Caseload recommending, Bar Association Attorney Hired to Defend.


1H. Meager $1,000.00 Award for ignored R.E.S.P.A. request was Timely Appealed, because Attorney’s Proof of Claim” was ignored, Attorney R.E.S.P.A. request was ignored {ruled inadmissible} and ignoring My Lay-person R.E.S.P.A. request that included ignoring the Better Business Bureau {Washington Mutual Chair expelled} Release of Stay was achieved, Archive’ Department halted Progression, 28 Months of Homestead Squatting. Insolvency’s Destitute.

Denied funds lost, damage award and costs, Appeal was to Fund’ Preparation for related Substance seeking Constitutional Justice of and including, First Attorney’s Systematic Drain of Both Bankruptcy Trustee Account Charges and Rav4 Bankruptcy Account Charges that began by advancement of Principal Term Commitment with New Coupon Book that Drained Rav4 San Antonio Credit Union Auto Loan Account, including Second Attorney protecting First to Vengeance.

2. Defendant was colluded from Washington Mutual to former entity Homeside Lending under Seal’ later reversed for Damage Award Payment.

Attorney’s Loan History request was Ignored, Certified Mail, R.E.S.P.A. “qualified written request” was Inadmissible.

Attorney’s Filing of Core Adversary allowed first release of Stay Action.

At Pretrial Hearing unknown Surrogate Attorney appeared to Defend stating Case was just dropped in Lap without Time for review, or Proper Court paperwork. Judge threatened Dismissal, Ordering Attorney’s Appearance to Defend Three Day Core Adversary Hearing.

Washington Mutual Halfheartedly offered Arbitration if Costs were split, before Second Pretrial Hearing, wanting preferred Arbitrator, not being a College consideration passed.

3. Washington Mutual Trial Arguments related to Line-item Challenge of Washington Mutual Fault Admittance Statement that was evidenced, countering self by newfound Date Augmentation, excusing Accountable reasoning with Assorted Derelict Avoidances of Law.

3A. Credit Report received, detailed Itemization 12 Months back only, the December, 2001 was generalized by combining all the past. Exact penny for December, 2001 Dollar Proof was missing, as was Loan History Attorney’s requested, Twelve $103.34 Escrow Payment’s Increase Demanded 04/01/2002 was the Damage’s result, if December, 2001 was Paid Action would be recorded with Attribute, not Concealed from Attorney’s or retrospect implied, 11/10/2001 Statement was Itemized Curtailment, not Curtailment anticipation for 11/28/2001, all Homeside Lending History Concealed from 11/01/2001 to 11/28/2001 starting 11/29/2001, Anti-Trust Merit was explored by Loan Manager every History request.

3B. Judgment accepted Lender Defense of “Principal Curtailment” claiming “Common Practice” relating to Breach of DEED Commitments, highlighted damage, Precedent, Ironically, Separate the Lender’s Damage of “Principal Curtailment” “No Contest I Win” then Washington Mutual Pay’s Ten-fold for “Escrow Curtailment” or the like of C.E.O. Stock Option Award Pay, but Fighting both, at the same Time’ the 14 Day Loan Damage, Confounds Justice.

3C. Judgment accepted Lender Defense of Erroneous Escrow reduction claiming “Common Practice” Argued Funds reduced in November for December Payment, Argued Taxes increased Loan Payments, Argued “Principal Curtailment” reduced Loans overall Interest despite reduction of 180 Term Commitment, Argued {48 Month} “Concealed Prepayment” was not a “Curtailment” but was a Prepayment, Argued Escrow was reduced on 11/28 not 11/10, Argued April ISF Check corrected in May, Paid, April {belittlement} In Attorney Cross Lender Admitted “Curtailments” created the Escrow Shortage Demand that started in April, Admitted Large May Payment made Loan with “Curtailments” 100% Current including Late Fee’s, before 06/01/2002 {a Day or Two} and Admitted before April 2002 all Payments were respectfully Paid before Due.

3D. Judgment accepted Lender Testimony that Escrow Surplus return from Escrow already in arrears was unexplainable, root stem relates to Choice of intentional Damage Doubling, relative to Loan Payment Investigation Teams requirement of Canceled Check Front and Back sent in November, 2001, Damage’s Stemmed from Closed Faulty Investigation Report that resulted in week later, unknown Tax Payment responsibility Escrow Damage, Teams final Conclusion Dated Escrow reduction of 11/10 suspended to 11/28 but missed the Fact that it was Erroneous.

Simply forcing Escrow reduction to be reported on 1098 Tax Form as received Funds, and forcing December 2001 Payment History’s Shading/Blank Void report to Credit Agency, Second Time Simple Penny for Penny Swap opportunity missed.

4. Judgment ignored Core of Core Adversary Hearing Primary responsibility of Damage Awarding the DEED Stipulation Paragraph Verbatim and then Assessing Day-rate Damages for forced Bankruptcy and somehow skewed to ignore Published Guilt Admittance evidenced.

Precedent Clause clearly defines Prepayments requirement of Signed Authorization, forbidding Concealment that intentionally, Contractually Itemizes abuse Damage Award Amount to Protect Paperwork of DEED, separating Escrow Damage’s independently is the best Road to Travel.

Importance of Paragraph Commanded notation on Judgment, but Judgment edited Substance Plagiarizing Importance, without Authority Cropped-Off Top-Half of Paragraph, in effort to revise intended meaning, by omitting forward Substance, “Quoting” only bottom half of Paragraph their Collusion Supported Curtailments, Defendant was change under Seal, amounting Special Prosecutor.

4A. Just Eleven of the Coveted Ten Day Timeframe allowance was actually Served, to review, itemize, find, hire and Convince Appellate Attorney Versed in “Bankruptcy Appeals!” *1. Attorney that wanted Case, Questioning, own Personal Expertise, Denied Case Days before Appeal was filed. *2. Bar Association recommended Appellate Attorney’s often Co-Counsel, Case Denial Office meetings Referral, resulted in next Day Appeal. *3. Appeal Arguments were E-Mailed / Spammed to numerous {over 50} Appellate Bar Attorneys. *4. Trial concluded 100 Day’s later Home Mailbox Served Delivery, if Box received Inspection on that Day, that’s Eleven Day’s from Served to Appeal minus the 5 Day RULE, Trial Attorney called many Days Later without Interest.

4B. Fifteen Day after Judge Signed, Attorney Appealed but foolishly, Persistently, Ignored Merit’s arguing only Excusable Neglect in every Appeal.

Draft for Supreme Court Petitioned attempted to Argue, that Judge Denied the actual meager Award {counterproductively suggesting compliance.} Judgment accused Predisposed to Bankruptcy aspirating Peasant’ or Premonition or Intent. Judge ignored Federal Bankruptcy RULE #2005 Precedent extension of 5 Day Appeal Timeframe Law without excuse or reasoning.

4C. Core Adversary used for DEED Precedent, and Escrow Anti-Trust review, outranged allowed Importance extended, whereas simple U.S. SUPREME COURT DEED Paragraph Deciphering is needed to allow Case Law, Foreclosure reform, until/forcing only DEED found Borrower Protection, achieves Lender revision, without Creative Control effort, Industry’s destined to Flounder.

Coveted 10 Day’s Appeal Allowance was misunderstood beforehand by Trusting Attorney assurance that 30 Day’s and not 90 Day’s was the allotted Appeal Timeframe. Conveyed in Confidence, waiting for the minute Courtroom doors opened Pretrial.

4D. Trial ended October, 2005 Memorandum Judgment 2/23/2006, 2/25/2006 BNC Mailing, 2/27/2006 Appeal Served U.S. Mail Standard Mail-box Delivery if Mailbox was inspected on that Day, Appeal to extend Filed 3/10/2006, 15 Day count, 11 Day Served Count, Federal Appeal RULE #2005 regulates 5 extra Days, allowing Count 6 Day Received to Appeal and Sunday’s might Not Count, Rush to Dismiss failed Arithmetic Prudence or Constitutionality, Imagination offers Collusion to Covet Attorney Theft Protection or Justice’s Blind Permanence, for same, or Protecting Wall Street assumption.

4E. Bankruptcy Judge Chaired from Conformation to Award Appeal is famed for Worlds largest Historic Billions of Dollars Bankruptcy Case Dismissal, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail Delivery took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further.

Appeal being Denied, Mimicked Trial Merits Ignored. Lender Mooted Judge then Judgment, only Arguing to Moot Guilt Admittance Lender Statement.

4F. Justice Circumvented the Federal Bankruptcy Court “RULE” that extends all Judge Appeal Timeframe for Five Additional Days RULE #2005. Famed Houston ENRON Judge received, and Denied Second Appeal, Appeal waited for ENRON Trials Conclusion. Fifth Circuit refused to overrule ENRON Judge, Printer never received Desired U.S. SUPREME COURT Appeal and Time expired, Merits were never exacted or explored.

4G. Thousands of Bankruptcy’s relate and Hundreds of Bankruptcy’s have resulted since, because Proved Damages were Denied, Lender Accountability Reforming Day-rate Damages was Award sought, if 05/06/2008 Foreclosure receive Action, Theft becomes allowed, Case Law results that Lender Defense of DEED restricted Curtailments, Errant Escrow Reductions and Misapplications are “Common Practice” Defendable, opening the floodgate of Attorney exploitation, Theft Defended as “Common Practice” allowable, Loan Abuse put NOTE ahead of DEED {even NOTE front Page allowance for the Courts to respect Lender Loan Accountability or Discipline the lack-of, by enforcing Verbatim } and the Anti-Trust was simple Escrow abuse by Date Manipulation.

5. Priority became Credit Card over Home Loan seeking outside Refinance of $100,000.00 for 25 Years to install Rental Home on Lot was Goal, Original Planned Goal of Home Reconstruction inside Work was achieved 9/02 ready to extend Longer Terms by Refinancing for Rental Trailer house and Outside Reconstruction Goal remained. Numerous Refinance attempts achieved sudden Quick Denial, November, 2002 after Home Inspection Citi-Bank Reported Incomplete Loan Payment History before April 2002 needed addressed, Forced into Bankruptcy with $8,000.00 at hand, Work on-call Oilfield Casing/Pipe unlimited Hours/Day’s, States/Land/Offshore, Paid-off many Credit Cards but included 2 Auto Loan Payments, expecting resolve with Attorney Assistance, needing only Loan History.

5A. On April 2002 Loan Damages created insurmountable Escrow Shortage Arrears increasing the next Twelve Monthly Payment Demand from $813.49 / $812.28 to $915.83 effecting accountability, $8,000.00 new Credit Card Home Improvement Balance reached around 30% Interest exactly and instantly relating.

5B. Credit Report Damage of December, 2001 Shaded Box Void/Blank entry Blocked outside Refinance to force Bankruptcy, then Bankruptcy Attorney was denied “Proof of Claim” {Judge ordered at Conformation Hearing, Staying Conformation 60 Day’s} included Bankruptcy Attorney’s R.E.S.P.A. “qualified written request” that was also being ignored, again Payments were halted for Court appearance to Demand Credit for Check Payments, Judge and Attorney missed Attending Release of Stay Hearing 09/02or04/2004.

5C. 9/02or04/04 Bankruptcy Trustee was Chairing / Ruling all Proceedings and Release’s of Stay for absent Judge that Busy Day {related need for Core Adversary option} Trustee Delayed Home’s Release of Stay for 30 Days Ordering Attorney’s Presence on 10/02or04/2004.

5D. Trustee on 10/02or04/2004 Conversed or Ordered, Attorney File Core Adversary Hearing, at that same timeframe, My Lay-person R.E.S.P.A. “Qualified Written Request” crafted was being ignored. The Better Business Bureau assisted and Expelled Washington Mutual’s Chief Arbitrator Chair, including Three Year Suspension for being ignored.

R.E.S.P.A. “qualified written request” is simply a request to open Loan Discovery by itemization of Questions. Constructing request follows a formula, Lender’s Time-line required to first admit receiving, second form reply and Third reach resolve.

5E. Attorney Formally Back-dated R.E.S.P.A. Request to expire the Time-line allowance when Posting and it Predated our first meeting, understanding’, relates to Judge’s refusal to allow into evidence, confusion relates to Attorney Award and Justice denied, compounded Damage is, Justice Denied harbors Protecting Attorney Malpractice’s of the First Attorney’s Theft that Second Attorney was Protecting.

Yes; Attorney Deserves Pay for Work, Independently of Malpractice Goal against Attorney’s Insurance/Bonds that assuredly relates Out-of Court Settlement Awards and License’s, but Judge’s Judgment and Appeal refusal Stands restrictive of Jurisprudence, Prejudices sometimes avoid defined Identifiable reasoning’s.

6. Trustee at Hearing on 10/02or04/2004 Conversed or Ordered Attorney to File Core Adversary, and later Attorney repeatedly related, Intent to File Core Adversary Hearing was Progressing up to the 12/15/2004 Release of Stay.

Lender Executive Response Center Letter 11/01/2004 Promised Response.

Core Adversary received no Action before 12/17/2004. Payment Arrears were not sent awaiting Judicator notice of filing, expecting Loan History exam, Discovery, Proof of Forced Bankruptcy exposure.

6A. Homeside Lending Loan Manager became’ Washington Mutual Loan Manager.

Loan Manager protected Loan History until the release of Stay 12/15/2004.

6B. Loan Manager’s 48 Months of Loan History Protection was Unlocked to Washington Mutual Archive’ Department after Released Stay, on a whim and Prayer Archive’ was called.

Washington Mutual Loan Archive’ Department E-Mailed History on 12/15/2004.

Washington Mutual was Informed to explain, discrepancies on 12/16/2004.

Bank One “Principal Curtailment” and Loan Manager’s Escrow reduction became Evidence.

6C. Washington Mutual claimed My Ignored R.E.S.P.A. request was on File.

Washington Mutual claimed to have Never received Attorney R.E.S.P.A. Request, Faxed Attorney R.E.S.P.A. Request to Washington Mutual Archive’ 12/16/2004.

6D. Attorney Office Meeting after 12/17/2004 for Legal Process, Core Adversary intent with Court unfiled, Loan History was reviewed with Attorney Lender Telephone Communications.

Washington Mutual Admitted Both Lenders Damaged Loan, with Formal Written Document of Lender Damage Itemization.

6E. Received in Mail Court’s Core Adversary notice of Filing, Dated Filed on 12/15/2004.

7. 48 Months of Loan History Protection forced Loan Manager to rush release of Stay on 12/15/2004 to avoid “Suspended” Core Adversary Hearings Filing, but on the same Day, Washington Mutual Archive’ Department E-mailed Coveted Loan History that Self Evidenced Missing Payment direction Detail, inherently revealing Escrow and Loan Damage.

7A. Washington Mutual was forced into written admittance, Loan Damage Assessment Statement that exacted, Bank One Misapplied Payment calling it “Principal Curtailment” {Curtailment = Lop-off liken-to Horse’s Tail!} Revealing Lender Despising Lender that Compromise’s All Accountability’s, explaining the Spite My Words “Escrow Curtailment” Draw’s.

7B. Washington Mutual written admittance exacted Loan Manager Errantly Misapplied Escrow attempting to reverse “Principal Curtailment” then Argued in Court opposition claiming November, 2001 Escrow reduction was Intended anticipating needed December, 2001 Payment, all Payment Date Augmentation and Conflicts in History were Dispelled’ with Evidenced Proof, Lender was restricted to Defend “Principal Curtailment” and “Escrow Misapplication” offering only “Common Practice’s” and a don’t know why, Escrow Surplus Check sent.

7C. Coveting was preformed to protect Lender from Contractual Damage expenses of $10,286.25 in trade falsified Credit Report to force Bankruptcy, ignorant of simple Penny for Penny exchange in 2001 to reverse Damage.

8. 80 Month’s Ago’ Loan Transferred 11/01/2001, Lender Denied Payment Credit of $778.34 for “Principal Curtailment” and Lender Denied Payment Credit of $637.22 for “Escrow Curtailment” recorded on First real-time Payment Breakdown Statement of 11/10/2001 {Lender Investigation Team required Canceled Check Front/Back Proof of Payment early 11/2001 and incorrectly reported resolve around 11/28/2001} equaling Loan Payments of $1,415.56 missing Credit to Date.

8A. Loan History that was Coveted to Protect Breach of DEED Contractual Damage expenses of $10.286.25, was followed by Errant Escrow reduction, that forced False Credit Report to Protect Lender from Both “Curtailments” forcing Voluntary Bankruptcy, now 80 Months without Payment Credit. 11/28 to 12/12 = Damage Time-frame!

8B. Bank One N.A. Breach of DEED for $10,286.25 Damage became contractually Transferred on 11/01/2001 to Homeside Lending, with the $1,289.85 Escrow Funds.

On 11/10/2001 Lender Statement detailed Escrow reduction, Lender Investigation.

On 11/28/2001 Loan Manager erroneously reduced Escrow, attempting Damage reversal.

On 12/10/2001 County Tax Payment $1,168.26 created Escrow Shortage, amounting to $-515.63, Second simple Penny for Penny exchange reversal opportunity missed.

On 12/12/2001 Escrow Surplus of $336.23 increased Shortage amounting to $-851.86.

Escrow Reduction of 11/28/2001 was Reported received funds on 1098 Tax Form.

On or after 01/01/2002 Homeside Lending received first, after Transfer Loan Payment.

9. December 2001 was Void of Payment on all received Loan Histories “Then and Now.”

December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also was reported to Fourth Independent’ in-House’ Credit Report Agency {Named in Testimony} that Supply’s the Three respected Credit Reporting Agency’s.

9A. Both Bank One and Loan Manager, repeatedly refused Production of Loan Payment History’s, relating to Escrow Shortage in 2001 and Histories received in 2002 hid the Curtailments, Denying Attorney’s the Loan History up to 12/16/2004.

Denying Bank One History accomplished, “Principal Curtailment” Protection.

Denied Homeside Lending Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating Loan History to start 11/29/2001 absent of the Escrow Reduction.

9B. Bank One’ sent Account Closed Statement related to Loan Transfer, claiming $812.48 Payments were $920.78.

New Lender Posted Escrow Reduction Statement on 11/10/2001.

9C. Homeside Lending early November 2001, Investigated Bank One Payment by Requiring Front/Back Canceled Cheek Proof for their Investigation Team {2001 was “Paid in Full”} 11/28 relate Date Investigation Concluded?

9D. Requested received Payment History early 2002 began Loan History on 11/29/2001 omitting Escrow Misapplication “Escrow Curtailment.”

Requested received Payment History April 15, 2002, began Loan History on 11/29/2001 omitting Escrow Misapplication “Escrow Curtailment.”

9E. Lender Demanded that All Escrow Shortage’s be made Current, before further Account Review or Payment History updating, around April 2002.

Twelve Escrow Shortage Payments of $103.34 increased Payment Demand from $813.49 / $812.48 to $915.83, Started on April 2002 and Check did ISF.

10. Bank One accepts Payment then Mails Statement with one Tear-off Coupon, December Coupon was Paid, Lender Paid $34.14 December PMI, then Breached DEED Commitment Contracted, Applying then Reversing December 2001 Payment to Pay Principal only, before Transferring Loan, called “Principal Curtailment” Homeside Lending received $1,289.85 Escrow with Loan on 11/1/2001. Absent of Loan Commitment Information Requiring Escrow to Pay 2001 County Tax.

10A. Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page Lender Signed, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment specifying instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, separating a Prepayment from Coveted Curtailment to Contractually support the 180 Month Term Commitment DEED Paperwork, $12,291.54 – Outside Costs = $10,286.25 Commitment Damage.

Fourteen Day Damage from 11/28/2001 to 12/12/2001 intentionally Concealed for 48 Months, “Principal Curtailment” Damage of $10,286.25 Justifying Interest Due Today.

10B. Loan Manager’s “Escrow Curtailment” Relates from Day Loan Transferred, forced Bankruptcy and Rushed Release of Stay, Damage Justifies Tenfold Accountability counting Interest and Damages to Allow Attorney Theft Suit, Attorney Malpractice Suit {assure Out of Court Settlement’s} and San Antonio Credit Union Damage is simply New Rav4 Settlement.

11. Attempting to reverse “Principal Curtailment,” Lender inadvertently reduced Escrow from $1,289.85 to $652.63 according to Real-time Loan Statements Itemization on 11/10/2001 not on 11/28/2001 as Argued.

11A. Requested Proof of Canceled Check Payment was sent to Lender early 11/2001, Pretrial Discovery Question relating to that Investigations’ Timeframe, and it’s results both repeated and ignored, Argument that Escrow reduction was on 11/28/2001 Flounders, Argument it Paid December Flounders, and Stands Disputing Washington Mutual Admittance Statement, but that requires Diligent Securitization of Verbatim the avoided Discovery Question’s intended to simplify everyone’s understanding of exact Day Escrow was Reduced and Investigation Ended, nonetheless Escrow was Abused.

11B. Washington Mutual’s Loan Damage Acknowledgement Report exacted Bank One Action a “Principal Curtailment” and exacted Homeside Lending Errant Escrow reduction a Misapplication, reducing Escrow is damage, Errant is a wrong, Misapplication is a mistake.

11C. Errant “Principal Curtailment reversal attempt, applied funds to Month Bank One already Credited allowing 11/2001 to be Credited by Both Lenders, because December is absent of Documented Credit, Repeatedly! Applications Location Discovery required Accountability! Reduced Escrow Concealed’ from Loan History’ for 48 Month’s’, by Definition is “Escrow Curtailment.”

11D. County Tax payment of $1,168.26 on 12/10/2001 created Escrow Shortage, amounting to $-515.63 so Loan Manager Posted Escrow Surplus return 12/12/2001 of $336.23 to increase Escrow arrears, amounting to $-851.86.

12. Homeside Lending Loan Manager’s Coveting of the Bank One 2001 “Principal Curtailment” was complicated by the Erroneous Escrow Reduction that became intent to deceive lasting for 48 Months to protected Contractual Damage expenses of $10,286.25 in trade for forcing My Bankruptcy, now 80 Months without Payment Credit.

12A. Homeside Lending’s failed attempt at Damage reversal’s deduction of Funds from Escrow was admitted by Washington Mutual, Erroneously Misapplied.

Washington Mutual acquired Homeside Lending and the Loan Manager that Testified for Washington Mutual’s Attorney being Sued, Loan Manager was reduced to Arguing’ the ”Bank One N.A. “Principal Curtailment” was “Common Practice” Defendable.

12B. Loan Manager was reduced to Arguing’ the Homeside Lending inadvertent Escrow Reduction was “Common Practice” Defendable, despite ruining Credit Report, Falsifying 1098 Tax Form, Forcing Bankruptcy, Releasing Stay, Arguments were all Moot because Washington Mutual accepted Faults Blame in Written Statement of Bank One “Principal Curtailment” and Homeside Lending Erroneous “Escrow Reduction.”

12C. Loan Manager was reduced to Arguing’ the Escrow Surplus return from Account in Shortage was beyond Testimony Explanation, actuality it was Damage Doubling in Nature.

12D. Bank One did Report 2001 Tax Form 1098! Homeside Lending Reported 2001 Tax Form 1098, claiming Escrow Reduction Funds as Received Funds, following Loan Transfer, First Payment was in 2002, Exampling boundless Dismissing mindset forsaking Bankruptcy.

13. December 2001 was Void of Payment on all received Loan Histories “Then and Now” December 2001 is recorded as Shaded Window {Void/Blank.} Void reported on real-time Loan Statements also were reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.

13A. Demanding on the Recorded Record, Credit for Payments made, Judge at Bankruptcy Conformation Hearing, Ordered Attorney to File “Proof of Claim” Trustee and Lender were Chaired {Judge Required Paperwork Signed or Foreclosure} Sixty Day “Stay” of Conformation Resulted for Canceled Check Dispute resolution.

13B. Lender Chaired Hearing to expect History request and either refused to reply or Attorney Ignored Judge Order requirement of “Proof of Claim” but Time Expired, Attorney said on Phone that he was/is Quitting, Rav4, Home Loan Payments halted, Months Later Large Credit Union Check Posted to make Account Current, Auto Loan {Rav4} Arrears Paid in Full before New Attorney Hired.

Later Attorney sent New Letter-headed San Antonio Credit Union Payment Coupon Book that had Additional Principal and Coupons, Stating he Quit and Suggested Attorney.

13C. March 15, 2004 “I am Referring all My Clients Letter” from Attorney, Notating enclosed New Payment Coupon Book for Rav4 Auto Loan. New Attorney R.E.S.P.A. Request Date’s 2/12/2004 before our First Meeting. Substitution of Council Order 04/23/2004 R.E.S.P.A. Request Date related Lender Damages for being ignored, from backdating Action, if ever Posted, Attorney Claims sent Certified Mail.

13D. Attorney Quit, including sending bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired, Charged an additional $1,200.00 to My Bankruptcy Trustee as a Wanton Disregarding parting Gift.

14. Instantly New Attorney sent Homeside Lending Certified mail R.E.S.P.A. “qualified written request” with Guidance Attorney’s Legal Secretary Helped with Rav4 Credit Union Communication about New Term Commitment additional Principal, Payment Coupon Book former Attorney Devised.

14A. San Antonio Credit Union Denied to Attorney’s Legal Secretary the Adjusting of Terms Principal or sending New Coupon Book with Three acquired Additional Month’s, Despite Coupon Books at Hand, unresolved from Credit Union Denying books Existence, Loan Payoff Schedule was requested and received.

Two Additional Months were Added to the Attorneys’ Three Months creating Loans Demand of Principal without Accounting Interest, that was Larger than Original Loan’s Principal Financed, again resolve was Denied, Current on Rav4 Loan, Fighting Home Loan, anticipating R.E.S.P.A. Response, told Credit Union to expect No more Payments, will properly clean before Repossession Day, awaiting R.E.S.P.A. Response lasted past Rav4 Repossession, Attorney was being indifferent about Rav4 and Ignored R.E.S.P.A.

14B. After Repossession Trustee reported itemized Deficiency Amendment of $2,526.87 to Rav4 without Accountability, Charged by First or Second Attorney before Repossessed and of course again After Repossession about $2,500.00 Amendment Charged. Trustee Clerk, Stated all Amendment Charges Paid without Question, again “Common Practice.”

14C. Seven Months later with Loan History Denied {E-Mailed to Federal Regulators & Assumed Regulators that Lender fails to respond to Attorneys R.E.S.P.A. Request, fair assumption’s Review was Forced and Privileged ignored by Lender} Payments were Suspended for Audience with Bankruptcy Court resolution, 09/02or04/2004 Attorney and Judge failed to attend release of Stay hearing, Bankruptcy Trustee was Ruling Release of Stays for Judge, Release of Stay was Suspended, Trustee required Attorney attendance 30 days later 10/02or04/2004.

14D. Briefly First Attorney failed Judge “Proof of Claim” Order and overcharged Trustee’s Bankruptcy Fee’s, Raided Rav4 Bankruptcy Account and Raided Rav4 Credit Union Account before Attorney or Credit Union Raided Rav4 Account.

Second Attorney Protected to Malpractice R.E.S.P.A. Failed to Attend Hearing, Claimed intent to file Core Adversary, but allowed release of Stay, sent Substitute replacement Attorney to Pre-Trial Hearing and Misdirected Appellate Attorney with Confusion.

14E. Ignored Attorney R.E.S.P.A. request was used to format “My layperson” R.E.S.P.A. “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual, it was Ignored, request Sent Certified Mail to Bank One, Bankruptcy Trustee and Washington Mutual, was also Posted regular Mail to Homeside Lending, Attorney, former Attorney D.O.J., C.C., O.T.S. and Better Business Bureau and more including California Attorney General that Promised Active Silent Case Review, but Lender moved to Nevada, not Seattle, Request was E-Mailed to R.E.S.P.A, H.U.D, U.S.A.G. Bush and Blair were at Ranch, Sent to Blair, Tony Snow and more.

15. Better Business Bureau was being Ignored and reported no response from Washington Mutual, I challenged their Existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day 12/15/2004 Pretrial, itemizing the Curtailments, Washington Mutual Admittance of Fault called for Court Action.

16. Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, at Pretrial Judge claimed Defendant changed for Simplicity? Reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail R.E.S.P.A. “qualified written request” {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!

16A. Week before Three Day Core Adversary Hearing was Pretrial Hearing, unknown Surrogate Attorney arrived to Defend stating Case Dropped in Lap without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days, Threatening to Dismiss unless Attorney attended to Defend, fear of voicing any Objection Resulted.

16B. Judge Allowed My ignored R.E.S.P.A. request to received the only damage Judgment $1,000.00 {thanks to the B.B.B. support} substance matters related in R.E.S.P.A. request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date, Also recorded in Testimony Ignored {Blank} Discovery Questions.

16C. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting in Mail that took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Ten Days received to Appeal after Judge Signed, Award was Served in Mailbox {Day Ten, Co-Council Denied and Referred} Eleven Days from Served to Appeal and Appeal to extend was filed, and Denied.

16D. “RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.

17. Both Bankruptcy Attorney’s Reviewed Loan and Payment History Request then New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Case History reviewed, shared in Office, spent on Phone and E-Mailed, Trial Bankruptcy Attorney Name on Appeal remained.

17A. Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.

Second Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or D.O.J. Broke Problem reasoning!

Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!

17B. Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary then time expired.

17C. Foreclosure offers Different Protections from Justice relating Financial Accountability to the Following; Homeside Lending is/or/and Washington Mutual, First Bankruptcy Attorney, Second Bankruptcy Attorney Protecting first, Bankruptcy Trustee and San Antonio Credit Union all Misdirected Funds, Dismissing Accountability.

17D. Foreclosure Relates to the Following; Bank One Transferred Account with intentional Damage, Judge allowed Theft “Common Practice” Defended, Enron Judge Protected Both Houston Courthouse and D.O.J. Systematic, Fifth Circuit Protected D.O.J. Appellate Attorney ignored Merit of Assured Supreme Court Victory that Promised Numerous Damage Awards, by seeking and Crediting Skewed Trial Attorney Misinformation.

18. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September, 2002, Mid 2002 Priority became Credit Card balance over Loan Payment {Loan History omitted to Protect “Curtailments” Escrow Arrears were Demanded when all Payments were Current on-time, Lender Failed Accountability and refused Bank One Loan History, then Credit Report Blocked outside Refinance} $8,000.00 Credit Card % increased from around 5% to 20% to 30% April, May, 2001, Bankrupted! Day Rate damages, was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment.

19. December 2007’ Washington Mutual returned $7,515.98 of Loan Payments, by Trustee Opening and Reclosing Bankruptcy to Transfer Payment, Mooting Judgment with Fault Admittance, skirting Commitment Damages, keeping Curtailments, Foremost Credit Report Notation of Faults Blame notation on Loans Credit Report equates. Theft reaches Tuition by Foreclosure, as does “Common Practice” Case Law Defense.

Bloggers One-Up SEC

Richard Pollak [e-mail] Alvin Texas 77511 Born 09/17 Constitution Day, “We Hold These Truths to Be Self Evident!” Justice Denied because Damage, simply relates, International Commerce’s permission that Payments, Deserve Credit, Affronted Authority Squanders Laws Subservient by emboldening forsakenly.

Standard 6.5 Fixed 180 Month Loan Closed on May, 2001 for $77,000.00, $60,000.00 Available Credit Card Credit “0” Due, Loan Originator received all 2001 Coupon Payments, then Transferred Loan, and First Three 2002 Payments were Also on-time Current.

Payments Lost in 2001 Created Escrow Shortage, Felonious Credit Report Blocked Outside Refinance, Bankruptcy was Forced, Payment History was Denied, Stay was released and Lender Supplied 48 Month Coveted Loan History same Day, Lender Admitted Faults, Sued Lender, Admittance Ignored, Appealed Judgment Award {10 Day to Appeal was Coveted} “on Time by RULE # 2005” Appeal Denied for Time expired {15th Day of 11 Day Served, -5 Day RULE, 6 Day Allowed – Sunday’s?} Appeal Denied Five Times, Lender Returns $7,515.25 Mooting Judgment, Threatening Foreclosure 05/06/2008 to “Case Law” Theft “Common Practice,” Blanketing Escrow Anti-trust Defendable for Corporate Megalomania.

Foreclosure offers Different Protections from Justice relating Financial Accountability to the Following; Homeside Lending is/or/and Washington Mutual, First Bankruptcy Attorney, Second Bankruptcy Attorney Protecting first, Bankruptcy Trustee and San Antonio Credit Union all Misdirected Funds, Dismissing Accountability.

Foreclosure Relates to the Following; Bank One Transferred Account with intentional Damage, Judge allowed Theft “Common Practice” Defended, Enron Judge Protected Both Houston Courthouse and DOJ Systematic, Fifth Circuit Protected DOJ, Appellate Attorney ignored Merit of Assured Supreme Court Victory that Promised Numerous Damage Awards, by seeking and Crediting Skewed Trial Attorney Misinformation.

1. Sued Washington Mutual for Damage, after forcing Formal Admittance Statement that through Loan Transfer Principal and Escrow were reduced. Equating {2001 “Principal Curtailment” Breach of DEED 180 Month Term Commitment $778.34} and {2001 “Escrow Curtailment” Anti-trust $637.22} Loan Manager Coveted the Pertaining Loan History, holding Loan Hostage for Lender Arrear Error of Twelve Escrow Shortage Payments amounting $103.34 that Started April, 2002 ten Months into Current Paid-up Loan, Credit Report Damage Blocked outside Refinance.

1A. Refinance Block forced Bankruptcy, Loan History was Coveted from Attorneys until released Stay {$1,415.56 missing for 48 Months} By Closing Loan, History Transferred to Archive’ Department Teller unlocked, revealing both the Coveted Bank One “Principal Curtailment” Abandonment of December, 2001 and Homeside Lending Erroneous attempt at “Curtailment” reversal that Admitted Erroneous Misapplication of Escrow November, 2001.

1B. Proof Relates Both Lenders Credited November 2001 and Abandoned December 2001. Bank One and Homeside Lending Refused Bank One Loan History, and Loan Manager Protection of Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating All Loan History’s to start 11/28/2001 absent of the “Escrow Curtailment” Reduction.

1C. First 27 Days of Loan History Concealed, both “Curtailments” requiring Lender in 2001 to report Escrow Reduction on Form 1098 Taxable and Falsified Credit Report. Fearing exposure Loan History was protected until release of Stay Day when Archive responded by E-Mail supplying Loan History, their Fault Admittance Statement followed.

1D. ({“Point Counter Point”}) Loan History Abandoned December of all Credit and November “Escrow Curtailment” needed Additional $131.12 if it was to Reverse “Principal Curtailment” Damage, Lender Statement Detailed “Erroneous” Escrow “Misapplication” Escrow Shortage Increased Payment Demand for Twelve Months by $103.34, but Lender Attorney Claims November 11/10 not 11/28 Escrow Reduction Paid December?

1E. Meager $1,000.00 Award for ignored RESPA request was Timely Appealed, because Attorney’s Proof of Claim” was ignored, Attorney RESPA request was ignored {ruled inadmissible} and ignoring My Lay-person RESPA request that included ignoring the Better Business Bureau {Washington Mutual Chair expelled} Release of Stay was achieved, Archive’ Department halted Progression.

Funds Lost, Damage Award and Costs Appeal was Preparation for related Substance seeking Constitutional Justice of and including, First Attorney’s Systematic Drain of Both Bankruptcy Trustee Account Charges and Rav4 Bankruptcy Account Charges that began by advancement of Principal Term Commitment to Drain Rav4 San Antonio Credit Union Auto Loan.

1F. Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment, December 2007’ Washington Mutual returned $7,515.98 Loan Payment, Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, picking Damage with willingness, forfeiting Accountability and Address, Rushing Foreclosure 5/6/08 seeks Dismissal out of Hand.

1G.Foremost Credit Report Notation of Bankruptcy’s “Faults Blame” notation on Loans Credit Report, equates.

1H. Demanding Credit for Payments made at Bankruptcy Conformation Hearing, Judge Ordered Attorney to File “Proof of Claim” on the recorded record. Judge required and accepted My Signature but Stayed Conformation for 60 Days, Ignoring Judge, Attorney Quit all Houston Caseload.

2. Defendant was colluded from Washington Mutual to former entity Homeside Lending under Seal, later reversed for Damage Award Payment.

2A. Attorney’s ignored Certified Mail RESPA “qualified written request” was Inadmissible.

2B. At Pretrial Hearing unknown Surrogate Attorney appeared to Defend, stating Case was just dropped in Lap without Time for review, or Proper Court paperwork. Judge threatened Dismissal, Ordering Attorney’s Appearance to Defend Three Day Core Adversary Hearing.

2C. Washington Mutual Halfheartedly offered Arbitration if Costs were split, before Second Pretrial Hearing, wanting preferred Arbitrator, not being a College consideration passed.

3. Washington Mutual Trial Arguments related to Line-item Challenge of Washington Mutual Fault Admittance Statement that was evidenced, countering self by newfound Date Augmentation, excusing Accountable reasoning with Assorted Derelict Avoidances of Law.

3A. Judgment accepted Lender Defense of “Principal Curtailment” claiming “Common Practice” relating to Breach of DEED Commitments, highlighted damage, Precedent.

3B. Judgment accepted Lender Defense of Erroneous Escrow reduction claiming “Common Practice” Argued Funds reduced in November for December Payment, Argued Taxes increased Loan Payments, Argued “Principal Curtailment” reduced Loans overall Interest despite reduction of 180 Term Commitment, Argued {48 Month} “Concealed Prepayment” was not a “Curtailment” but was a Prepayment, Argued Escrow was reduced on 11/28 not 11/10, Argued April ISF Check corrected in May, Paid, April {belittlement} In Attorney Cross Lender Admitted “Curtailments” created the Escrow Shortage Demand that started in April, Admitted Large May Payment made Loan 100% Current including Damages before June 2002 and Admitted before April 2002 all Payments were respectfully Paid before Due.

3C. Judgment accepted Lender Testimony that Escrow Surplus return from Escrow already in arrears was unexplainable, root stem relates to Choice of intentional Damage Doubling, relative to Loan Payment Investigation Teams requirement of Canceled Check Front and Back sent in November 2001, Damages Stemmed from Closed Faulty Investigation Report that resulted in unknown Tax Payment responsibility Escrow Damage, Teams final Conclusion Dated Escrow reduction of 11/10 suspended to 11/28 but missed the Fact that it was Erroneous, forcing Escrow reduction to be reported on 1098 Tax Form as received Funds, and forcing December 2001 Payment History’s Shading/Blank Void report to Credit Agency, Second Time Simple Penny for Penny Swap opportunity missed.

4. Judgment ignored Core of Core Adversary Hearing Primary responsibility of Damage Awarding the DEED Stipulation Paragraph Verbatim, then Assessing Day-rate Damages for forced Bankruptcy and Skewed to ignore Published Guilt Admittance evidenced.

Precedent Clause clearly defines Prepayments requirement of Signed

Authorization, forbidding Concealment that intentionally Contractually Itemizes abuse Damage Award Amount to Protect Paperwork of DEED, independent of Escrow Abuse Damage Damages.

Importance of Paragraph Commanded notation on Judgment, but Judgment edited Substance’s Importance without Authority, by cropping off top-Half of Paragraph, in effort to revise intended meaning, by omitting forward Substance, “Quoting” only bottom half of Paragraph their Collusion Supported Curtailments.

4A. Just Eleven of the Coveted Ten Day Timeframe allowance was actually Served, to review, itemize, find, hire and Convince Appellate Attorney Versed in “Bankruptcy Appeals!” *1. Attorney that wanted Case, Questioning, own Personal Expertise, Denied Case Days before Appeal was filed. *2. Appellate Attorney’s often Co-Counsel, Office meeting Case Denial with Referral resulted in next Day Appeal. *3. Appeal Arguments were E-Mailed/Spammed to Numerous Appellate Bar Attorneys. *4. Trial concluded 100 Day’s later Home Mailbox Served Delivery, if Box was Checked that Day then Eleven Day’s from Served to Appeal minus the 5 Day RULE, Trial Attorney called many Days Later without Interest.

Fifteen Day after Judge Signed, Attorney Appealed but foolishly, Persistently, Ignored Merits Arguing Excusable Neglect. Judgment accused Predisposed to Bankruptcy aspirating Peasant’, Judge ignored Federal Bankruptcy RULE #2005 Precedent extension of 5 Day Appeal Timeframe Law, Simple U.S. SUPREME COURT DEED Paragraph Deciphering needed to Case Law, until/forcing only DEED found Borrower Protection, achieves revision.

Coveted 10 Day’s Appeal Allowance was misunderstood beforehand by Trusting Attorney assurance that 30 Day’s and not 90 Day’s was the allotted Appeal Timeframe. Conveyed in Confidence, waiting for the minute Courtroom doors opened Pretrial.

4B. Trial ended November 2005,100 Days later, 2/23/2005 Memorandum, Judgment, 2/25/2005 BNC Mailing, 2/27/2005 Appeal Served U.S. Mail Standard Mail-box Delivery if Mailbox was Checked on that Day, Appeal to extend Filed 3/10/2005, 15 Day count, 11 Day Served Count, Federal Appeal RULE #2005 regulates 5 extra Days, allowing Count 6 Day Received to Appeal and Sunday might Not Count, Rush to Dismiss failed Arithmetic Prudence or Constitutionality, Imagination offers Collusion to Covet Attorney Theft Protection or Justice’s Blind Permanence, for same or Protecting Wall Street assumption.

4C. Bankruptcy Judge Chaired from Conformation to Award Appeal is famed for Worlds largest Historic Billions of Dollars Bankruptcy Case Dismissal, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail Delivery took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Appeal being Denied Mimicked Trial Merits Ignored. Lender Mooted Judge then Judgment, only Arguing to Moot Guilt Admittance Lender Statement.

4D. Justice Circumvented the Federal Bankruptcy Court “RULE” that extends all Judge Appeal Timeframe for Five Additional Days RULE #2005. Famed Houston ENRON Judge received and Denied Second Appeal, Appeal waited for ENRON Trials Conclusion.

Fifth Circuit refused to overrule ENRON Judge, Printer never received Desired U.S. SUPREME COURT Appeal and Time expired, Merits were never exacted or explored.

4E. Thousands of Bankruptcy’s relate and Hundreds of Bankruptcy’s have resulted since because Proved Damages were Denied, Lender Accountability Reforming Day-rate Damages was Award sought, if 5/6/2008 Foreclosure receive Action, Theft becomes allowed, Case Law results that Lender Defense of DEED restricted Curtailments, Errant Escrow Reductions and Misapplications are “Common Practice” Defendable, opening the floodgate of Attorney exploitation, Theft Defended as “Common Practice” allowable.

5. On April 2002 Loan Damages created insurmountable Escrow Shortage Arrears increasing the next Twelve Monthly Payment Demand from $813.49 / $812.28 to $915.83 effecting accountability, $8,000.00 new Credit Card Home Improvement Balance reached 30% interest exactly and instantly relating.

5A. Priority became Credit Card over Home Loan seeking outside Refinance of $100,000.00 for 25 Years to install Rental Home on Lot was Goal, Original Planned Goal of Home Reconstruction inside Work was achieved 9/02 ready to extend Longer Terms by Refinancing for Rental Trailer house and Outside Reconstruction Goal remained. Numerous Refinance attempts achieved sudden Quick Denial, November, 2002 after Home Inspection Citi-Bank Reported Incomplete Loan Payment History before April 2002 needed addressed, Forced into Bankruptcy with $8,000.00 at hand, Work in Oilfield, Paid-off many Credit Cards but included Auto Loan expecting resolve with Attorney Assistance, needing only Loan History.

5B. Credit Report Damage of December, 2001 Shaded Box Void/Blank entry Blocked outside Refinance to force Bankruptcy, then Bankruptcy Attorney was denied “Proof of Claim” {Judge ordered at Conformation Hearing, Staying Conformation 60 Day’s} included Bankruptcy Attorney’s RESPA “qualified written request” that was also being ignored, again Payments were halted for Court appearance to Demand Credit for Check Payments, Judge and Attorney missed Attending Release of Stay Hearing 09/02/2005.

5C. 9/05 Bankruptcy Trustee was Chairing / Ruling all Proceedings and Release’s of Stay for absent Judge that Busy Day {related need for Core Adversary option} Trustee Stayed Release of Stay for 30 Days Ordering Attorney’s Presence on 10/04/2005.

Trustee on 10/05 Conversed or Ordered, Attorney File Core Adversary Hearing, at that same timeframe, My Lay-person RESPA “Qualified Written Request” crafted was being ignored, Better Business Bureau assisted and Expelled Washington Mutual Chief Arbitrator Chair with Three Year Suspension for being ignored.

5D. RESPA “qualified written request” is simply a request to open Loan Discovery by itemization of Questions. Construction of request follows a formula and Lender is Time-line required to first admit receiving, second form reply and Third reach resolve.

5E. Attorney Formally Back-dated RESPA Request to expire the Time-line allowance when Posting and it Predated our first meeting, understanding’, relates to Judge’s refusal to allow into evidence, confusion relates to Attorney Award and Justice denied, compounded Damage is, Justice Denied harbors Protecting Attorney Malpractice’s of the First Attorney’s Theft that Second Attorney Protected, Yes; Attorney Deserves Pay for Work, Independently of Malpractice Goal against Attorney’s Insurance/Bonds that assuredly relates Out-of Court Settlement Awards and License’s but Judge’s Judgment and Appeal refusal Stands restrictive of Jurisprudence, Prejudices sometimes avoid defined Identifiable reasoning’s.

6. Trustee at Hearing on 10/04/2005 Conversed or Ordered Attorney to File Core Adversary, and later Attorney repeatedly related, Intent to File Core Adversary Hearing was Progressing up to the 12/15/2005 Release of Stay and Core Adversary received No Action before 12/17/2005. Payment Arrears were not sent awaiting Judicator notice of filing, expecting Loan History exam, Discovery, Proof of Forced Bankruptcy exposure.

6A. Homeside Lending Loan Manager became’ Washington Mutual Loan Manager.

6B. Loan Manager Protecting Loan History released Bankruptcy Stay, on 12/15/2005.

6C. Loan Manager’s 48 Months of Loan History Protection was Unlocked to Washington Mutual Archive’ Department after Released Stay, on a whim and Prayer Archive’ was called.

6D. Washington Mutual Loan Archive’ Department E-Mailed Loan History on 12/15/2005.

Washington Mutual was Informed to explain, discrepancies on 12/16/2005.

Bank One “Principal Curtailment” and Loan Manager’s Escrow reduction became Evidence.

6E. Washington Mutual claimed My Ignored RESPA request was on File.

6F. Washington Mutual claimed to have Never received Attorney RESPA Request, Faxed Attorney RESPA Request to Washington Mutual Archive’ 12/16/2005.

6G. Attorney Office Meeting after 12/17/2005 for Legal Process, Core Adversary intent with Court unfiled, Loan History was reviewed with Attorney Lender Telephone Communications.

6H. Washington Mutual Admitted Both Lenders Damaged Loan, with Formal Written Document of Lender Damage Itemization.

6I. Received in Mail Court’s Core Adversary notice of Filing, Dated Filed on 12/15/2005.

7. 48 Months of Loan History Protection forced Loan Manager to rush release of Stay on 12/15/2005 to avoid “Suspended” Core Adversary Hearings Filing, but on the same Day, Washington Mutual Archive’ Department E-mailed Coveted Loan History that Self Evidenced Missing Payment direction Detail, inherently revealing Escrow and Loan Damage.

7A. Washington Mutual was forced into written admittance, Loan Damage Assessment Statement that exacted, Bank One Misapplied Payment calling it “Principal Curtailment” {Curtailment = Lop-off liken-to Horse’s Tail!} Revealing Lender Despising Lender that Compromise’s All Accountability’s, explaining the Spite, Words “Escrow Curtailment” Draw’s.

7B. Washington Mutual written admittance exacted Loan Manager Errantly Misapplied Escrow attempting to reverse “Principal Curtailment” then Argued in Court opposition claiming November 2001 Escrow reduction was Intended anticipating needed December, 2001 Payment, all Payment Date Augmentation and Conflicts in History were Dispelled’ with Evidenced Proof, Lender was restricted to Defend “Principal Curtailment” and “Escrow Misapplication” offering only “Common Practice’s” and a don’t know why!

7C. Coveting was preformed to protect Lender from Contractual Damage expenses of $10,286.25 in trade falsified Credit Report to force Bankruptcy, ignorant of simple Penny for Penny exchange in 2001 to reverse Damage.

8. 80 Month’s Ago’ Loan Transferred 11/01/2001, Lender Denied Payment Credit of $778.34 for “Principal Curtailment” and Lender Denied Payment Credit of $637.22 for “Escrow Curtailment” recorded on First real-time Payment Breakdown Statement of 11/10/2001 {Lender Investigation Team required Canceled Check Front/Back Proof of Payment early 11/2001 and incorrectly reported resolve around 11/28/2001} equaling Loan Payments of $1,415.56 missing Credit to Date.

8A. Loan History that was Coveted to Protect Breach of DEED Contractual Damage expenses of $10.286.25, was followed by Errant Escrow reduction, that forced False Credit Report to Protect Lender from Both “Curtailments” forcing Voluntary Bankruptcy, now 80 Months without Payment Credit.

8B. Bank One N.A. Breach of DEED for $10,286.25 Damage became Contractually Transferred on 11/01/2001 to Homeside Lending with $1,289.85 Escrow Funds.
On 11/28/2001 Loan Manager Erroneously reduced Escrow attempting Damage reversal.
On 12/10/2001 County Tax Payment $1,168.26 created Escrow Shortage, amounting to $-515.63, Second simple Penny for Penny exchange reversal opportunity missed.
On 12/12/2001 Escrow Surplus of $336.23 increased Shortage amounting to $-851.86.
Escrow Reduction of 11/28/2001 was Reported received funds on 1098 Tax Form.

8C. December 2001 was Void of Payment on all received Loan Histories “Then and Now.”
On after 1/1/02 Homeside Lending received first Payment, 11/28 to 12/12 = Loan Damage!

9. December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also was reported to Fourth Independent’ in-House’ Credit Report Agency {Named in Testimony} that Supply’s the Three respected Credit Reporting Agency’s.

9A. Both Bank One and Loan Manager repeatedly refused Production of Loan Payment History’s relating to Escrow Shortage in 2001, 2002. Denying Attorney’s up to 12/16/2005.

9B. Denying Bank One History accomplished, “Principal Curtailment” Protection.

9C. Denied Homeside Lending Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating Loan History to start 11/28/2001 absent of the Escrow Reduction.

9D. Bank One’ sent Account Closed Statement, claiming $812.48 Payments were $920.78.

9E. Lender Posted Escrow Reduction Statement on 11/10/2001.

9F. Lender Investigated Bank One Payment by Requiring Front/Back Canceled Cheek Proof for Investigation Team {2001 was “Paid in Full”} 11/28 relate Date Investigation Concluded?

9G. Requested received Payment History early 2002 began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”

9H. Requested received Payment History April 15, 2002, began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”

9I. Lender Demanded All Escrow Shortage, be made Current before further Account Review, or Payment History updating.

9J. Twelve Escrow Shortage Payments of $103.34 increased Payment Demand from $813.49 / $812.48 to $915.83, Started on April 2002 and Check did ISF.

10. Bank One accepts Payment then Mails Statement with one Coupon, December Coupon was Paid, Lender Paid $34.14 December PMI, then Breached DEED Commitment Contracted, Applying then Reversing December 2001 Payment to Pay Principal only, before Transferring Loan, called “Principal Curtailment” Homeside Lending received $1,289.85 Escrow with Loan on 11/1/2001. Absent of Loan Commitment Information Requiring Escrow to Pay 2001 County Tax.

10A. Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page Lender Signed, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment specifying instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, separating a Prepayment from Coveted Curtailment to Contractually support the 180 Month Term Commitment DEED Paperwork, $12,291.54 – Outside Costs = $10,286.25 Commitment Damage.

10B. Fourteen Day Damage from 11/28/2001 to 12/12/2001 resulted from intent to Conceal “Principal Curtailment” Damage of $10,286.25 Justifying Interest Due Today.

10C. Loan Manager’s “Escrow Curtailment” Relates from Day Loan Transferred, forced Bankruptcy and Rushed Release of Stay, Damage Justifies Tenfold Accountability counting Interest and Damages to Allow Attorney Theft Suit, Attorney Malpractice Suit {assure Out of Court Settlement’s} and San Antonio Credit Union Damage is simply New Rav4 Settlement.

11. Attempting to reverse “Principal Curtailment,” Lender inadvertently reduced Escrow from $1,289.85 to $652.63 according to Real-time Loan Statements Itemization on 11/10/2001 not on 11/28/2001 as Argued.

11A. Requested Proof of Canceled Check Payment was sent to Lender before 11/28/2001 Pretrial Discovery Question relating to that Investigations’ Timeframe, and it’s results both repeated and ignored, Argument that Escrow reduction was on 11/28/2001 Flounders, Argument it Paid December Flounders, and Stands Disputing Washington Mutual Admittance Statement, but that requires Diligent Securitization of Verbatim the avoided Discovery Question’s intended to simplify everyone’s understanding, Escrow was Reduced.

11B. Washington Mutual’s Loan Damage Acknowledgement Report exacted Bank One Action a “Principal Curtailment” and exacted Homeside Lending Errant Escrow reduction a Misapplication, reducing Escrow is damage, Errant is a wrong, Misapplication is a mistake.

11C. Errant “Principal Curtailment reversal attempt, applied funds to Month Bank One already Credited allowing 11/2001 to be Credited by Both Lenders, because December is absent of Documented Credit, Repeatedly! Applications Location Discovery required Accountability! Reduced Escrow Concealed’ from Loan History’ for 48 Month’s’, by Definition is “Escrow Curtailment.”

11D. County Tax payment of $1,168.26 on 12/10/2001 created Escrow Shortage, amounting to $-515.63 so Loan Manager Posted Escrow Surplus return 12/12/2001 of $336.23 to increase Escrow arrears, amounting to $-851.86.

12. Homeside Lending Loan Manager’s Coveting of the Bank One 2001 “Principal Curtailment” was complicated by the Erroneous Escrow Reduction that became intent to deceive lasting for 48 Months to protected Contractual Damage expenses of $10,286.25 in trade for forcing My Bankruptcy, now 80 Months without Payment Credit.

12A. Homeside Lending’s failed attempt at Damage reversals deduction of Funds from Escrow was admitted by Washington Mutual, Erroneously Misapplied.

12B. Washington Mutual acquired Homeside Lending and the Loan Manager that Testified for Washington Mutual’s Attorney being Sued, Loan Manager was reduced to Arguing’ the ”Bank One N.A. “Principal Curtailment” was “Common Practice” Defendable.

12C. Loan Manager was reduced to Arguing’ the Homeside Lending inadvertent Escrow Reduction was “Common Practice” Defendable, despite ruining Credit Report, Falsifying 1098 Tax Form, Forcing Bankruptcy, Releasing Stay, Arguments were all Moot because Washington Mutual accepted Faults Blame in Written Statement of Bank One “Principal Curtailment” and Homeside Lending Erroneous “Escrow Reduction.”

12D. Loan Manager was reduced to Arguing’ the Escrow Surplus return from Account in Shortage was beyond Testimony Explanation, actuality it was Damage Doubling in Nature.

12E. Bank One did Report 2001 Tax Form 1098! Homeside Lending Reported 2001 Tax Form 1098 claiming Escrow Reduction Funds as Received Funds, following Loan Transfer First Payment was in 2002, Exampling boundless Dismissing mindset forsaking Bankruptcy.

13. December 2001 was Void of Payment on all received Loan Histories “Then and Now” December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also were reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.

13A. Demanding on the Recorded Record, Credit for Payments made, Judge at Bankruptcy Conformation Hearing, Ordered Attorney to File “Proof of Claim” Trustee and Lender were Chaired {Judge Required Paperwork Signed or Foreclosure} Sixty Day “Stay” of Conformation Resulted for Canceled Check Dispute resolution.

13B. Lender Chaired Hearing to expect History request and either refused to reply or Attorney Ignored Judge Order requirement of “Proof of Claim” but Time Expired, Attorney said on Phone that he was/is Quitting, Months Later Large Credit Union Check Posted to make Account Current, Auto Loan {Rav4} Arrears Paid in Full before New Attorney Hired.

13C. Later Attorney sent New Letter-headed San Antonio Credit Union Payment Coupon Book that had Additional Principal and Coupons, Stating he Quit and Suggested Attorney.

13D. March 15, 2004 “I am Referring all My Clients Letter” from Attorney, Notating enclosed New Payment Coupon Book for Rav4. New Attorney, RESPA Request Date 2/12/2005 before our First Meeting, Date on RESPA Request related Lender Damage’s for being ignored from backdating Action, if it was ever Posted, Attorney Claims sent by Certified Mail.

13E. Attorney Quit, including sending bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired, later found out he Charged an additional $1,200.00 to My Bankruptcy Trustee as a Wanton Disregarding parting Gift.

14. Instantly New Attorney sent Homeside Lending Certified mail RESPA “qualified written request” with Guidance Attorney’s Legal Secretary Helped with Rav4 Credit Union New Term Commitment additional Principal, Payment Coupon Book former Attorney Devised.

14A. San Antonio Credit Union Denied Adjusting Terms Principal or sending New Coupon Book that had acquired Three Additional Months.
Attorney’s Legal Secretary was Arbitrating {I Shut-up and Listen Great but Jump Topics with Excitement when Talking/Arguing} Legal Secretary was used to eliminate that problem beforehand.
Coupon Books at Hand and unresolved because Credit Union was Denying its Existence, Loan Payoff Schedule was requested and received,
Two Additional Months were Added to the Attorneys’ Three Months creating Loans Demand of Principal without Accounting Interest that was Larger than Original Loan’s Principal Financed, again resolve was Denied, Current on Rav4 Loan, Fighting Home Loan, anticipating RESPA Response, told Credit Union to expect No more Payments, will properly clean before Repossession Day, awaiting RESPA Response lasted past Rav4 Repossession, Attorney was being indifferent about Rav4.

14B. Trustee reported itemized Deficiency Amendment of $2,526.87 to Rav4 without Accountability Charged by First or Second Attorney before Repossessed and of course again After Repossession about $2,500.00 Amendment Charged. Trustee Clerk Stated all Amendment Charges Paid without Question, again “Common Practice.”

14C. Seven Months later with Loan History Denied {E-Mailed to Federal Regulators & Assumed Regulators that Lender fails to respond to Attorneys RESPA Request, fair assumption’s Review was Forced and Privileged ignored by Lender} Payments were Suspended for Audience with Bankruptcy Court resolution, Attorney and Judge failed to attend release of Stay hearing, Bankruptcy Trustee was Ruling Release of Stays for Judge, Release of Stay was Suspended, Trustee required Attorney attendance 30 days later.

14D. Briefly First Attorney failed Judge “Proof of Claim” Order and overcharged Trustee’s Bankruptcy Fee’s, Raided Rav4 Bankruptcy Account and Raided Rav4 Credit Union Account before Credit Union Raided Rav4 Account.
Second Attorney Protected to Malpractice RESPA, Failed to Attend Hearing, Claimed intent to file Core Adversary, but allowed release of Stay, sent Substituted Attorney to Court failing to Attend Hearing and Misdirected Appellate Attorney with Confusion.

14E. Ignored Attorney RESPA request was used to format “My layperson” RESPA “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual, it was Ignored, request Sent Certified Mail to Bank One, Bankruptcy Trustee and Washington Mutual, was also Posted regular Mail to Homeside Lending, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau and more including California Attorney General that Promised Active Silent Case Review, but Lender moved to Nevada, not Seattle, Request was E-Mailed to RESPA, Hud, U.S.A.G. Bush and Blair were at Ranch, Sent to Blair, Tony Snow and more.

15. Better Business Bureau was being Ignored and reported no response from Washington Mutual, I challenged their Existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day 12/15/2005 Pretrial, itemizing the Curtailments, Washington Mutual Admittance of Fault called for Court Action.

16. Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail RESPA “qualified written request” {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!

16A. Week before Three Day Core Adversary Hearing was Pretrial Hearing, unknown Surrogate Attorney arrived to Defend stating Case Dropped in Lap without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days, Threatening to Dismiss unless Attorney attended to Defend, fear of voicing any Objection Resulted.

16B. Judge Allowed ignored RESPA request to received the only damage Judgment $1,000.00 {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date, Also recorded in Testimony Ignored {Blank} Discovery Questions.

16C. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Six Days received Twelve Days after Judge Signed Award Judgment Appeal was filed, and Denied.

16D. “RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.

17 New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Case History reviewed, shared in Office, spent on Phone and E-Mailed, Trial Bankruptcy Attorney Name on Appeal remained, Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.

17A. Second Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or DOJ Broke Problem reasoning!
Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!

17B. Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary then time expired.

18. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September 2002, Mid 2002 Priority became Credit Card balance over Loan Payment {History was Denied to Address Escrow Arrear Demand from Loan with Current on-time Payments, Lender Failed Accountability and refused Bank One Loan History, then Credit Report Blocked outside Refinance} $8,000.00 Credit Card % increased from around 5% to 20% to 30% April May 2001, Bankrupted! Day Rate damages, was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment.

19. December 2007’ Washington Mutual returned $7,515.98 of Loan Payments, by Trustee Opening and Reclosing Bankruptcy to Transfer Payment, Mooting Judgment with Fault Admittance, skirting Commitment Damages, keeping Curtailments, Foremost Credit Report Notation of Faults Blame notation on Loans Credit Report equates. Theft reaches Tuition by Foreclosure, as does “Common Practice” Case Law Defense.

OCC's Dugan Needs to Listen More, Dictate Less

Attention; Office of Thrift Supervision and again Senator’ John McCain
Borrowers, Lenders, IRS, SEC, DOJ, USAG, CC, Absence of Accurate Case Review already Bankrupted multitudes! Here is what is wrong with Banks & Courts Today. [e-mail]
Three from Texas = Removing Kids from Compound instead of Men + Imprisoned Border Guards + Admitted Lender Theft Defended as Common Practice allowed, Judge Signed Award then failed to allow Twelfth Day Appeal relative to 10 Day Appeal time-frame, Judgment received 100 Days following Trial, Clerk delayed Posting US Mail Two Days, Six Days received to Appeal that Circumvents Courts RULE #2005 Rule of LAW, Additional Five Day allotment of Days Tacked-on to allow Appeal process Precedent. Two week Foreclosure Notice with Payment Credit. ENRONED by Judge Appeal went to ENRON Judge Appealed to override ENRON Judge imagine that!?!}

Bank One N.A. standard 6.5 Fixed 180 Month Loan Closed on 5/2001 Credit was excellent, on time Payment was excellent, Homeside Lending is Washington Mutual.

Damage from 11/28 to 12/12, Relating from Day Loan Transferred to April 2002!
1. Bank One Paid December PMI, then Breached DEED Commitment Contracted, Applying then Reversing December 2001 Payment to Pay Principal only, before Transferring Loan to Homeside Lending, called “Principal Curtailment.”
+1 Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page Lender Signed, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment that specifies, instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, separating a Prepayment from Coveted Curtailment Contractually, Supporting 180 Month Term Commitment DEED Paperwork {$12,291.54 – Fees = $10,286.25 amendable with discovery} Homeside Lending Loan Manager’s Coveting of the Bank One 2001 Principal Curtailment was complicated by erroneous Escrow Reduction, that became intent to deceive that lasted for 48 Months. Coveting protected Contractual Damage expenses of $10,286.25 in trade for forcing My Bankruptcy, now 80 Months without Payment Credit.
2. Homeside Lending attempted to reverse Damage by deducting Funds from Escrow that were admitted by Washington Mutual Erroneously Misapplied.
+2. Washington Mutual acquired Homeside Lending and the Loan Manager that Testified for Washington Mutual’s Attorney being Sued, Arguing’ the ”Bank One N.A. “Principal Curtailment” was “Common Practice” Defendable, Separately Arguing’ the Homeside Lending inadvertent Escrow Reduction was “Common Practice” Defendable despite ruining Credit Report, Falsifying 1098 Tax Form, Forcing Bankruptcy, Releasing Stay, before Washington Mutual “Principal Curtailment” Erroneous “Escrow Reduction” Fault Admittance.
3. Bank One did Posted 2001 Tax Form 1098! Homeside Lending Posted 2001Tax Form 1098 claiming Escrow Reduction Funds as Received Funds, following Loan Transfer First Payment was in 2002.
4. December 2001 was Void of Payment on all received Loan Histories “Then and Now” December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also were reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.
5. Demanding on the Recorded Record, Credit for Payments made, Judge at Bankruptcy Conformation Hearing, Ordered Attorney to File “Proof of Claim” Trustee and Lender were Chaired {Judge Required Paperwork Signed or Foreclosure} Sixty Day “Stay” of Conformation Resulted for Dispute resolution, Attorney was Denied Loan History.
6. Time Expired Attorney Quit Loan History Denied, included sending bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired, Bar Association Complaint.
7. Instantly new Attorney sent Homeside Lending Certified mail RESPA “qualified written request” for Loan History, seven Months later with Loan History Denied, Payments Suspended for Audience with Bankruptcy Court for resolve, Attorney failed to attend hearing, Trustee required attendance 30 days later. Bar Association Complaint.
8. Ignored Attorney RESPA request was used to format “My layperson” RESPA “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual and it was Ignored, request was also Posted to Bank One, Bankruptcy Trustee, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau and more.
9. Better Business Bureau was being Ignored and reported no response from Washington Mutual, I challenged their existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day 12/15/2005 Pretrial, itemizing the Curtailments, Washington Mutual Admitted Fault calling for Court Action.
10. Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail RESPA “qualified written request” {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!
11. Week before Three Day Core Adversary Hearing was Pretrial Hearing, unknown Surrogate Attorney arrived to Defend stating Case Dropped in Lap without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days, Threatening to Dismiss unless Attorney attended to Defend, fear of voicing any Objection Resulted.
12. Judge Allowed ignored RESPA request to received the only damage Judgment $1,000.00 {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date, Also recorded in Testimony Ignored {Blank} Discovery Questions.
13. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Six Days received Twelve Days after Judge Signed Award Judgment Appeal filed and Denied.
+13. “RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.
14. New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Case History reviewed, shared in Office, spent on Phone and E-Mailed, Former Bankruptcy Attorney Name on Appeal remains, Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.
14. Second Award Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or DOJ Broke Problem reasoning!
Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!
15. Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary, then time expired.
16. Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment, December 2007’ Washington Mutual returned $7,515.98 Loan Payment, Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, Foremost Credit Report Notation of Faults Blame notation on Loans Credit Report equates.
17. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September 2002, Priority became Credit Card balance over Loan Payment {History was Denied to Address Escrow Arrear Demand from Loan with Current on-time Payments and Credit Report Blocked outside Refinance} $20,000.00 Credit Card % increased from 5% to 20% to 30% April May 2001, Bankrupted!



Deceived Credit Report Agency, received Shaded Box {Void of entry}.
Homeside Lending received Transferred Loan 11/1/2001, all Loan History Statements began 11/28/2001.
Refinanced was blocked by Incomplete Loan Payment History {2001} on Credit Reports.
Homeside Lending Loan Manager claims that Escrow reduction on 11/28/2001 was used for December 2001 and stands unsupported.
Escrow was reduced 11/10/2001 Documentatable11/28/20... Argued.
Escrow was reduced in November for November nothing supports December 2001.
Requested Received Loan Payment History began 11/28/2001, Bank One’s History was denied until 12/15/2005, Defining 48 Month Coveted Escrow Misapplication became called “Escrow Curtailment.” “Curtailment” is to Lop-off as in removing Horses Tail.
5. Bank One Posts One Detachable Payment Coupon with Loan Payment History Update Statement, all Coupon’s Paid on Time {7} including December 2001 for $812.48.
Loan Transferred to Homeside Lending January, February, March 2001were Paid $813.49 on Time, April related Escrow Shortage $103.34 demanding next Twelve $915.83 Payments, it ISF and Credit Cards suffered more Payments made.
6. Loan Manager Testified May $2,000.00 Payment made Loan Current at least for a few Days, and that the Misapplications created the Escrow Shortage.
7. Bank One “Principal Curtailment” and Homeside
7. Requested Received Loan Payment
8. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September 2002, Priority became Credit Card balance over Loan Payment because $20.000.00 Credit Card % increased from 5% to 20% to 30% April May 2001.


Admitted Damage by Washington Mutual is Bank One’s “Principal Curtailment” and
Homeside Lending’s erroneous Escrow reduction was a Misapplication, Prior to Due Date.
Bank One Form 1098 was Correct, Homeside Lending Form 1098 was False.



{Principal Applied $253.34 & Interest $383.88} Funds for Received Payment. Homeside Lending received first Payment in 2002, mending Mortgage Interest Received Taxability of $383.88 relates below $20.00 but Lender Assault Recoils Accountability of Blatant Disregard!
Timed with release of Bankruptcy Stay 12/15/2005 Loan Payment History Homeside Lending Loan Manager Coveted for 48 Months, was released by Washington Mutual archive’ Department.
Prompted for itemized report, Washington Mutual Posted written admittance Statement that Justified Three Day Core Adversary Law Suit seeking Damages, released Stay’ never progressed to Date. U.S Federal Bankruptcy Court was entrusted for Damage Award Judicative and faltered, ruinously forcing destitution.
Judge accepted that Common Practice Defense Trumped Loan Payment Accountability then 30 Months now 50 Months and Payment Credit Denied.
12/6/2007 Judgment became Mute with additional newfound Washington Mutual Fault Admittance of Loan Payment return $7,515.98 absent Damages, assumed 2002 Core Bankruptcy arrearages?
Forced Voluntary Bankruptcy correction notation on file with Credit Report Agency has been Quest from the get-go, assured Attorney Malpractice awaits real Damage, Proved.
1. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand.
“RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.
New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Damages review, shared in Office, spent on Phone and E-Mailed, Former Bankruptcy Attorney Name on Appeal remains, Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.
Second Award Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or DOJ Broke Problem reasoning!
Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!
Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary, then time expired.
2. Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appeal, Attorney received expense Judgment, December 2007 Washington Mutual returned $7,515.98 Loan Payment Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments.
Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail RESPA request {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!
My lay person RESPA request was being ignored, BBB forwarded and was also ignored, RESPA request received the only damage Judgment, {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date.
Loan Manager Testified Coveted Prepayment are Common Practice Defendable, despite Bank One standard DEED Cover Page, Bold Print Stating Prepayment requires Signed Authorization with highlighted occurrence damage.
Paragraph was edited by cropping on Judgment revising intended meaning, bottom half of Paragraph was in Quote on Judgment, relating to Substance’s Importance. Not suggesting Collusion, Layout of Judgment feels Lender composed.
Loan Manager Testified Coveted Escrow reductions are Common Practice Defendable, despite altering Credit Report and Tax Documents that resulted.
3. Outside Loan refinance was blocked, Bankruptcy was forced and reversible by Loan History production.
Washington Mutual stated Bank One N.A. Loan Originators action was a “Principal Curtailment” their Attorney insisted it was a Prepayment when a Coveted Prepayment is a “Curtailment” by Definition.
Loan Originator transferred Loan, Lenders attempt at Curtailment reversal became Escrow reduction {I call it “Escrow Curtailment”} Lender Coveting Actions required false IRS 1098 Form, false Credit Reporting.
New Attorney, RESPA request was Six Months ignored so I Drafted a RESPA request and it was being Ignored.
Better Business Bureau reported no response from Washington Mutual, I challenged their existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day Pretrial, itemizing Curtailments, calling for Court Action, expecting not to experience Supporting Attorney failure to appear for hearing, sending unknown surrogate and fear of Voicing Objection.
4. Simplified; Bank One Paid $34.14 PMI and applied Payment of Principal, Escrow and Interest for 12/2001 then Suspended Payment, then redirecting funds to reduce Loans Total Balance {Curtailment = Lop-off liken-to Horse’s Tail!} “Principal Curtailment” then Transferred Loan to Homeside Lending with $1,289.85 Escrow. Reported without informing, that 2001 Escrow County Tax Payment required.
Simplified 11/28 to 12/12; Attempting to reverse “Curtailment” Lender inadvertently reduced Escrow {11/10/2001 arguable} on 11/28/2001 to $652.63 and applied funds to Month Bank One already Credited 11/2001, Action Coveted from Loan History 48 Months so “Escrow Curtailment” Defines Action.
County Tax payment of $1,168.26 on 12/10/2001 created Escrow Shortage, amounting to $-515.63 so Loan Manager Posted Escrow Surplus return 12/12/2001 of $336.23 to increase Escrow arrears, amounting to $-851.86.
Two Week trail of indiscretion required fake Tax Form 1098 {Escrow Curtailment Funds used as Taxable Payment} and abandonment of 12/2001.
Payment entry was preformed by shading Window {Void}. Void reported on real-time Loan Statements reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.
Starting April 2002 Loan was held Hostage for Ransom of Twelve Month additional $103.34 to Pay Escrow Shortage for correction of Loan Manager Damage with Loan History Coveted.
Bank One was Paid $812.48 including December 2001, Homeside Lending was Paid $813.49 Jan, Feb, March 2002, April Demand was $915.83, April Check ISF and more Payments made, outside refinance was blocked by Paid missing Payment Histories, December 2002 Bankrupt.
5. Bank One Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment that specifies, instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, Supporting 180 Month Term Commitment DEED Paperwork $12,291.54 {but for Insurance, Tax and Inspection Costs relative = $12,291.54 minus $1,289.85 Transferred, minus $1,168.26 County Tax, minus $239.00 PMI, minus $308.00 Hazard Insurance = $10,286.25 amendable with discovery} intent to deceive by Homeside Lending Loan Managers Coveting of Bank One 2001 Principal Curtailment, Compounded Damage to offer protection from Contractual Damage expenses of $10,286.00 in trade forcing My Bankruptcy.
6. DEED clearly defines incidences Award, Contractually regulating by exacting damage, Precedent is Clause mutually Signed called DEED OF TRUST!
Washington Mutual is responsible for Bank One Damages equally with Homeside Lending Damages, including their own Damages.
Judgment for Washington Mutual ignoring RESPA request was $1,000.00 but missed the Fact that it was Coveted until release Stay day, reason escaped Damages.
Consider; Loan Manager Coveted Bank One “Principal Curtailment” in avoidance of $10,000.00 Damage Payment of Paperwork Protecting Commitment, 80 Months ago and Loan Payments are for the Paperwork of DEED OF TRUST then NOTE.
Then Consider “Escrow Curtailment” Damage equates to Premeditated Loan Destruction. {Choice was Fix Principal or Destroy Escrow} Damage Award must be Tenfold that of “Principal Curtailment” to amend Loan and Lender Institutional Marketplace standing.
7. Forced Bankruptcy was the Substance of Core Adversary Law Suit absent of Award, that was denied Appeal, Testified to by Loan Manager as Common Practice defendable, acceptance by Judge exacts Lender Misapplication Protection if Coveted, to Date Payment Credit denied allowing Theft by Judge Rule.
Award Judgment edited Paragraph by cropping forward substance to alter commitment without Authority, granted Superiority to allow Lender Robbery without Theft Prosecution, belittling single Man Secondarily.
Award Judgment editing skipped essence relative forward by beginning mid-paragraph altering authors intent, assumptive reasoning allows Collusion or Preservation of Supplementation by Washington Mutual relating to funding over half of Court Appointed Attorney Costs throughout Texas.
Award Judgment started and ended with final fault of failure to reply to RESPA request missing damage of releasing Bankruptcy Stay before Loan History, $1,000.00 Joke.
Backed by Conformation Hearing” Proof of Claim” Order the Judge gave Attorney, the Judge became witness including Trustee, of Quest for Payment Credit, Washington Mutual Letter Admitted Damages, the same Judge Ruled against self Ruling, without address.
8. Lender Accountability Reform by Case Law Publishing was intent {by U.S. Supreme Court or Bench Ruling} for Preservation of Corporation Document respect and Signature Commitment enforcement, now jeopardized to allowing Theft.
Threatened Foreclosure if Booked, Mutes Payment Credit argument by Judicial Rule, locking open interpretations repercussions, Action Stands that Common Practice is Defended, excusing Theft and Concealment of Theft relating Case Law.
Requested supplied Loan Payment History twice received early in 2002 documented December 2001 Void {shaded entry} of Payment Credit.
Telephonic Communications Testimony relating argued in Court, absent of asked and got History discussed because Phone record was edited.
9. Loan Manager Coveted the Bank One loan history protecting “Principal Curtailment” and Coveted the errant Escrow reduction, until 12/15/2005 Defended as erroneous Curtailment reversal attempt, logic offers disclosure or simple penny for penny reversal.
Loan Manager Testified combined “Principal Curtailment” and Escrow reduction with Phantom Escrow Surplus return, independently created the near $103.00 Escrow Shortage arrear Demand.
All efforts claiming Escrow reduction on November 10, 2001 meaning for December 2001 self Conflicts to be Dream Supported, had the “Escrow Curtailment” achieved Transaction for December 2001, of using $637.22 to Pay $254.71 Principal and $382.51 Interest Void’ {shaded entry} would have been entered Substantiating detail at least once on Loan History {absence is simpletonastic, relates to Date augmentation and Venality History Concealment} Why Mess?
10. Escrow Shortage demand began 4/2002, absent of Lender improprieties Loan was pristine Current through first Ten Payments and April 2002 $915.83 ISF check became Current with $2,000.00 May Payment {at least for a few Days} = {harped on in Testimony} on that Loan Manager Testified agreement.
Escrow arrear duration applied from the Eleventh Payment to the Twenty-second Payment. Refinance was attempted but Loan Mismanagement blocked with incomplete Credit Report entry, forcing Bankruptcy protection.
Lending Management demanded Escrow Shortage updating prior to additional review of Loan Payment History, inquiry results or review, assuming their bookkeeping trumped or follies History request.
11. Judgment defended Theft to Protect Bank One and Washington Mutual who’s threatening Foreclosure on 5/6/2008, for DEED Paperwork sake that Precepts NOTE.
Failure of Judge to Award highlighted Loan Commitment Damages Verbatim, compels Stock Market Protection trumped DEED Precedent Commitment Awarding, fearing Precedent setting Actions effect on Bankruptcy Courts, trouble is Judgment absence sets Precedent that becomes exploitable to allowed Theft by “Common Practice” Defense, Failure to Arbitrate Independently increases Case-load retrospect’ fully.
Judge was hobbled by Loan Originator Damages if $10,000.00 became Award, it paled against actual Loan Manager Deception Damage of then 30 now 50 Months, forced Bankruptcy.
I was Forced and did not Choose Voluntary Bankruptcy or Core Adversary, I did expect Justice and Published Case Law, Loan Manager Claims 11/28 to 12/12 was Damage time-frame relevant add Bank One Damage done on Final Day before Loan Transfer, 50 Months of Suffering includes all Lender Guilt Admittance, this Case is built to reform Banking Institution!
12. At Bankruptcy Conformation Hearing Credit for Check Payments was demanded on the Recorded Court Record, Judge ordered Attorney file “Proof of Claim” allocating 60 day “Stay” delaying Conformation, time expired Attorney Quit including Transferring bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired.
Instantly new Attorney sent to Homeside Lending Certified mail RESPA “qualified written request” for Loan History, seven Months later went to Bankruptcy Court for resolve, Attorney failed to attend hearing, Trustee required attendance 30 days later.
Week before Trial was Pretrial Hearing unknown Attorney arrived to Defend stating Case Lapped without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days Threatening to Dismiss unless Attorney attended to Defend.
Attorney RESPA request was used to format “My layperson” “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual and it was Ignored request was also Posted to Bank One, Bankruptcy Trustee, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau and more.
Judge Ruled ignored Attorney Certified Mail RESPA “qualified written request” sent to Homeside Lending {former entity} inadmissible. My ignored Certified Mail RESPA “Qualified Written Request” sent to Washington Mutual was being ignored so B.B.B. communication assistance was requested, also being ignored B.B.B. expelled chief arbitrator Chair and Suspended Membership for Three Years from Washington Mutual. O.T.S. referred governance to Court Action after also being ignored.
Ignored RESPA request received $1,000.00 Judgment Award {Appeal denied} absent of exposed Coveted Curtailment Damages, requested Substance has never been addressed to Date, including Discovery Questions Ignored, including matters Judge took under advisement during Trial ignored in Judgment. Importance of DEED Stipulation argued commanded notation on Judgment, Paragraph was the Main Substance of Core Adversary hearing, exacting the itemization of Loan Originator Damage from DEED Stipulation Contracted, offer of simplification suggestion was Day-rate Damage to ease Judgment award, Common Practice Trumped.
13. Actual missing Payments equated “Principal Curtailment” $813.48 minus $34.14 Bank One N.A, PMI = $779.34.
“Escrow Curtailment” $920.19 minus [$282.97 Escrow Balance reduction that Paid Escrow, equates Mute’ or Un’ curtailed] $637.22.
Totaling “Principal Curtailment” $779.34 + “Escrow Curtailment” $637.22 = $1,416.56 out of pocket.
Home Goal when Loan Closed with $60,000.00 Credit Cards at “0” balance. First all Plumbing, Electrical, needed Walls replaced and Painted, that concluded September 2002, Refinance Plan was Divide spare Lot, Rental Home, Roof {doubling Home Square Footage} and Countertops needing $100,000.00 then Home near Self sufficient allowing further improvements, from $75,000.00 Purchase with $25,000.00 repair and 30 Year $100,000.00 Loan, Home would Appraise above $300,000.00 before additional Work Locked between $400,000.00 and $500,000.00
14. Curtailment in November assumption of done for December 2001 Payment Credit would fail Securitization of Pre-schooling Accreditation because Void became Action open to examination, Testimony preformed week misdirection, evidencing assumption desires and reversing Faults blame, Judgment joined bandwagon by stating Predisposed to Bankruptcy.
The Loan Originator Breach of DEED Defended as “Common Practice” stands without Merits if Scrutinized, pertaining to International Banking, Federally {Constitutional Civil Rights} or in Texas, threatening Theft prosecution Case Law blanket.
Loan Originator Bank One N.A. Supplied and Signed DEED OF TRUST Contract before Transferring to Homeside Lending, Washington Mutual acquired responsibility that includes Damage enforcement.
DEED clearly defines incidences Award, Contractually regulating by exacting damage, Precedent is Clause mutually Signed.
Failure of Judge to Award highlighted Loan Commitment Damages Verbatim, compels Stock Market Protection trumped DEED Precedent Commitment Awarding, fearing Precedent setting Actions effect on Bankruptcy Courts, trouble is Judgment absence sets Precedent that becomes exploitable to allowed Theft by “Common Practice” Defense, Failure to Arbitrate Independently increases Case-load retrospect’ fully, always.
Judge was hobbled by Loan Originator Damages if $10,000.00 became Award, it paled against actual Loan Manager Deception Damage of 30 Months, forced Bankruptcy.
I was forced and did not Choose Voluntary Bankruptcy or Core Adversary, I did expect Justice with willingness to alternate for Jury or Binding Arbitration, Washington Mutual insisted Upfront Arbitration Payment offer was barely Pretrial and not at a College.
15. 12/15/2005 Washington Mutual archive Team revealed Loan History proof of Curtailments, Bankruptcy release of Stay was on the same Day. Bankruptcy Court, Core Adversary, Suing Washington Mutual under Seal became Suing Homeside Lending, Attorneys Ignored RESPA Loan History request became Ruled Inadmissible, Trial ended 100 days later Judgment was Signed, Clerk of Courts document itemizes delayed Posting for U.S. Postal delivery, Judgment received 6 Days Time for review, Appeal was filled on Twelfth Day following Judge Signature.

Anti-Foreclosure Measures and Lenders Rights - Housing Tracker

Richard Pollak [e-mail] Alvin Texas 77511 Born 09/17 Constitution Day, “We Hold These Truths to Be Self Evident!” Justice Denied because Damage, simply relates, International Commerce’s permission that Payments, Deserve Credit, Affronted Authority Squanders Laws Subservient by emboldening forsakenly.

Standard 6.5 Fixed 180 Month Loan Closed on May, 2001 for $77,000.00, $60,000.00 Available Credit Card Credit “0” Due, Loan Originator received all 2001 Coupon Payments, then Transferred Loan, and First Three 2002 Payments were Also on-time Current.

Payments Lost in 2001 Created Escrow Shortage, Felonious Credit Report Blocked Outside Refinance, Bankruptcy was Forced, Payment History was Denied, Stay was released and Lender Supplied 48 Month Coveted Loan History same Day, Lender Admitted Faults, Sued Lender, Admittance Ignored, Appealed Judgment Award {10 Day to Appeal was Coveted} “on Time by RULE # 2005” Appeal Denied for Time expired {15th Day of 11 Day Served, -5 Day RULE, 6 Day Allowed – Sunday’s?} Appeal Denied Five Times, Lender Returns $7,515.25 Mooting Judgment, Threatening Foreclosure 05/06/2008 to “Case Law” Theft “Common Practice,” Blanketing Escrow Anti-trust Defendable for Corporate Megalomania.

Foreclosure offers Different Protections from Justice relating Financial Accountability to the Following; Homeside Lending is/or/and Washington Mutual, First Bankruptcy Attorney, Second Bankruptcy Attorney Protecting first, Bankruptcy Trustee and San Antonio Credit Union all Misdirected Funds, Dismissing Accountability.

Foreclosure Relates to the Following; Bank One Transferred Account with intentional Damage, Judge allowed Theft “Common Practice” Defended, Enron Judge Protected Both Houston Courthouse and DOJ Systematic, Fifth Circuit Protected DOJ, Appellate Attorney ignored Merit of Assured Supreme Court Victory that Promised Numerous Damage Awards, by seeking and Crediting Skewed Trial Attorney Misinformation.

1. Sued Washington Mutual for Damage, after forcing Formal Admittance Statement that through Loan Transfer Principal and Escrow were reduced. Equating {2001 “Principal Curtailment” Breach of DEED 180 Month Term Commitment $778.34} and {2001 “Escrow Curtailment” Anti-trust $637.22} Loan Manager Coveted the Pertaining Loan History, holding Loan Hostage for Lender Arrear Error of Twelve Escrow Shortage Payments amounting $103.34 that Started April, 2002 ten Months into Current Paid-up Loan, Credit Report Damage Blocked outside Refinance.

1A. Refinance Block forced Bankruptcy, Loan History was Coveted from Attorneys until released Stay {$1,415.56 missing for 48 Months} By Closing Loan, History Transferred to Archive’ Department Teller unlocked, revealing both the Coveted Bank One “Principal Curtailment” Abandonment of December, 2001 and Homeside Lending Erroneous attempt at “Curtailment” reversal that Admitted Erroneous Misapplication of Escrow November, 2001.

1B. Proof Relates Both Lenders Credited November 2001 and Abandoned December 2001. Bank One and Homeside Lending Refused Bank One Loan History, and Loan Manager Protection of Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating All Loan History’s to start 11/28/2001 absent of the “Escrow Curtailment” Reduction.

1C. First 27 Days of Loan History Concealed, both “Curtailments” requiring Lender in 2001 to report Escrow Reduction on Form 1098 Taxable and Falsified Credit Report. Fearing exposure Loan History was protected until release of Stay Day when Archive responded by E-Mail supplying Loan History, their Fault Admittance Statement followed.

1D. ({“Point Counter Point”}) Loan History Abandoned December of all Credit and November “Escrow Curtailment” needed Additional $131.12 if it was to Reverse “Principal Curtailment” Damage, Lender Statement Detailed “Erroneous” Escrow “Misapplication” Escrow Shortage Increased Payment Demand for Twelve Months by $103.34, but Lender Attorney Claims November 11/10 not 11/28 Escrow Reduction Paid December?

1E. Meager $1,000.00 Award for ignored RESPA request was Timely Appealed, because Attorney’s Proof of Claim” was ignored, Attorney RESPA request was ignored {ruled inadmissible} and ignoring My Lay-person RESPA request that included ignoring the Better Business Bureau {Washington Mutual Chair expelled} Release of Stay was achieved, Archive’ Department halted Progression.
Funds Lost, Damage Award and Costs Appeal was Preparation for related Substance seeking Constitutional Justice of and including, First Attorney’s Systematic Drain of Both Bankruptcy Trustee Account Charges and Rav4 Bankruptcy Account Charges that began by advancement of Principal Term Commitment to Drain Rav4 San Antonio Credit Union Auto Loan.

1F. Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment, December 2007’ Washington Mutual returned $7,515.98 Loan Payment, Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, picking Damage with willingness, forfeiting Accountability and Address, Rushing Foreclosure 5/6/08 seeks Dismissal out of Hand.

1G.Foremost Credit Report Notation of Bankruptcy’s “Faults Blame” notation on Loans Credit Report, equates.

1H. Demanding Credit for Payments made at Bankruptcy Conformation Hearing, Judge Ordered Attorney to File “Proof of Claim” on the recorded record. Judge required and accepted My Signature but Stayed Conformation for 60 Days, Ignoring Judge, Attorney Quit all Houston Caseload.

2. Defendant was colluded from Washington Mutual to former entity Homeside Lending under Seal, later reversed for Damage Award Payment.

2A. Attorney’s ignored Certified Mail RESPA “qualified written request” was Inadmissible.

2B. At Pretrial Hearing unknown Surrogate Attorney appeared to Defend, stating Case was just dropped in Lap without Time for review, or Proper Court paperwork. Judge threatened Dismissal, Ordering Attorney’s Appearance to Defend Three Day Core Adversary Hearing.

2C. Washington Mutual Halfheartedly offered Arbitration if Costs were split, before Second Pretrial Hearing, wanting preferred Arbitrator, not being a College consideration passed.

3. Washington Mutual Trial Arguments related to Line-item Challenge of Washington Mutual Fault Admittance Statement that was evidenced, countering self by newfound Date Augmentation, excusing Accountable reasoning with Assorted Derelict Avoidances of Law.

3A. Judgment accepted Lender Defense of “Principal Curtailment” claiming “Common Practice” relating to Breach of DEED Commitments, highlighted damage, Precedent.

3B. Judgment accepted Lender Defense of Erroneous Escrow reduction claiming “Common Practice” Argued Funds reduced in November for December Payment, Argued Taxes increased Loan Payments, Argued “Principal Curtailment” reduced Loans overall Interest despite reduction of 180 Term Commitment, Argued {48 Month} “Concealed Prepayment” was not a “Curtailment” but was a Prepayment, Argued Escrow was reduced on 11/28 not 11/10, Argued April ISF Check corrected in May, Paid, April {belittlement} In Attorney Cross Lender Admitted “Curtailments” created the Escrow Shortage Demand that started in April, Admitted Large May Payment made Loan 100% Current including Damages before June 2002 and Admitted before April 2002 all Payments were respectfully Paid before Due.

3C. Judgment accepted Lender Testimony that Escrow Surplus return from Escrow already in arrears was unexplainable, root stem relates to Choice of intentional Damage Doubling, relative to Loan Payment Investigation Teams requirement of Canceled Check Front and Back sent in November 2001, Damages Stemmed from Closed Faulty Investigation Report that resulted in unknown Tax Payment responsibility Escrow Damage, Teams final Conclusion Dated Escrow reduction of 11/10 suspended to 11/28 but missed the Fact that it was Erroneous, forcing Escrow reduction to be reported on 1098 Tax Form as received Funds, and forcing December 2001 Payment History’s Shading/Blank Void report to Credit Agency, Second Time Simple Penny for Penny Swap opportunity missed.

4. Judgment ignored Core of Core Adversary Hearing Primary responsibility of Damage Awarding the DEED Stipulation Paragraph Verbatim, then Assessing Day-rate Damages for forced Bankruptcy and Skewed to ignore Published Guilt Admittance evidenced.
Precedent Clause clearly defines Prepayments requirement of Signed
Authorization, forbidding Concealment that intentionally Contractually Itemizes abuse Damage Award Amount to Protect Paperwork of DEED, independent of Escrow Abuse Damage Damages.
Importance of Paragraph Commanded notation on Judgment, but Judgment edited Substance’s Importance without Authority, by cropping off top-Half of Paragraph, in effort to revise intended meaning, by omitting forward Substance, “Quoting” only bottom half of Paragraph their Collusion Supported Curtailments.

4A. Just Eleven of the Coveted Ten Day Timeframe allowance was actually Served, to review, itemize, find, hire and Convince Appellate Attorney Versed in “Bankruptcy Appeals!” *1. Attorney that wanted Case, Questioning, own Personal Expertise, Denied Case Days before Appeal was filed. *2. Appellate Attorney’s often Co-Counsel, Office meeting Case Denial with Referral resulted in next Day Appeal. *3. Appeal Arguments were E-Mailed/Spammed to Numerous Appellate Bar Attorneys. *4. Trial concluded 100 Day’s later Home Mailbox Served Delivery, if Box was Checked that Day then Eleven Day’s from Served to Appeal minus the 5 Day RULE, Trial Attorney called many Days Later without Interest.
Fifteen Day after Judge Signed, Attorney Appealed but foolishly, Persistently, Ignored Merits Arguing Excusable Neglect. Judgment accused Predisposed to Bankruptcy aspirating Peasant’, Judge ignored Federal Bankruptcy RULE #2005 Precedent extension of 5 Day Appeal Timeframe Law, Simple U.S. SUPREME COURT DEED Paragraph Deciphering needed to Case Law, until/forcing only DEED found Borrower Protection, achieves revision.
Coveted 10 Day’s Appeal Allowance was misunderstood beforehand by Trusting Attorney assurance that 30 Day’s and not 90 Day’s was the allotted Appeal Timeframe. Conveyed in Confidence, waiting for the minute Courtroom doors opened Pretrial.

4B. Trial ended November 2005,100 Days later, 2/23/2005 Memorandum, Judgment, 2/25/2005 BNC Mailing, 2/27/2005 Appeal Served U.S. Mail Standard Mail-box Delivery if Mailbox was Checked on that Day, Appeal to extend Filed 3/10/2005, 15 Day count, 11 Day Served Count, Federal Appeal RULE #2005 regulates 5 extra Days, allowing Count 6 Day Received to Appeal and Sunday might Not Count, Rush to Dismiss failed Arithmetic Prudence or Constitutionality, Imagination offers Collusion to Covet Attorney Theft Protection or Justice’s Blind Permanence, for same or Protecting Wall Street assumption.

4C. Bankruptcy Judge Chaired from Conformation to Award Appeal is famed for Worlds largest Historic Billions of Dollars Bankruptcy Case Dismissal, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail Delivery took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Appeal being Denied Mimicked Trial Merits Ignored. Lender Mooted Judge then Judgment, only Arguing to Moot Guilt Admittance Lender Statement.

4D. Justice Circumvented the Federal Bankruptcy Court “RULE” that extends all Judge Appeal Timeframe for Five Additional Days RULE #2005. Famed Houston ENRON Judge received and Denied Second Appeal, Appeal waited for ENRON Trials Conclusion.
Fifth Circuit refused to overrule ENRON Judge, Printer never received Desired U.S. SUPREME COURT Appeal and Time expired, Merits were never exacted or explored.

4E. Thousands of Bankruptcy’s relate and Hundreds of Bankruptcy’s have resulted since because Proved Damages were Denied, Lender Accountability Reforming Day-rate Damages was Award sought, if 5/6/2008 Foreclosure receive Action, Theft becomes allowed, Case Law results that Lender Defense of DEED restricted Curtailments, Errant Escrow Reductions and Misapplications are “Common Practice” Defendable, opening the floodgate of Attorney exploitation, Theft Defended as “Common Practice” allowable.

5. On April 2002 Loan Damages created insurmountable Escrow Shortage Arrears increasing the next Twelve Monthly Payment Demand from $813.49 / $812.28 to $915.83 effecting accountability, $8,000.00 new Credit Card Home Improvement Balance reached 30% interest exactly and instantly relating.

5A. Priority became Credit Card over Home Loan seeking outside Refinance of $100,000.00 for 25 Years to install Rental Home on Lot was Goal, Original Planned Goal of Home Reconstruction inside Work was achieved 9/02 ready to extend Longer Terms by Refinancing for Rental Trailer house and Outside Reconstruction Goal remained. Numerous Refinance attempts achieved sudden Quick Denial, November, 2002 after Home Inspection Citi-Bank Reported Incomplete Loan Payment History before April 2002 needed addressed, Forced into Bankruptcy with $8,000.00 at hand, Work in Oilfield, Paid-off many Credit Cards but included Auto Loan expecting resolve with Attorney Assistance, needing only Loan History.

5B. Credit Report Damage of December, 2001 Shaded Box Void/Blank entry Blocked outside Refinance to force Bankruptcy, then Bankruptcy Attorney was denied “Proof of Claim” {Judge ordered at Conformation Hearing, Staying Conformation 60 Day’s} included Bankruptcy Attorney’s RESPA “qualified written request” that was also being ignored, again Payments were halted for Court appearance to Demand Credit for Check Payments, Judge and Attorney missed Attending Release of Stay Hearing 09/02/2005.

5C. 9/05 Bankruptcy Trustee was Chairing / Ruling all Proceedings and Release’s of Stay for absent Judge that Busy Day {related need for Core Adversary option} Trustee Stayed Release of Stay for 30 Days Ordering Attorney’s Presence on 10/04/2005.
Trustee on 10/05 Conversed or Ordered, Attorney File Core Adversary Hearing, at that same timeframe, My Lay-person RESPA “Qualified Written Request” crafted was being ignored, Better Business Bureau assisted and Expelled Washington Mutual Chief Arbitrator Chair with Three Year Suspension for being ignored.

5D. RESPA “qualified written request” is simply a request to open Loan Discovery by itemization of Questions. Construction of request follows a formula and Lender is Time-line required to first admit receiving, second form reply and Third reach resolve.

5E. Attorney Formally Back-dated RESPA Request to expire the Time-line allowance when Posting and it Predated our first meeting, understanding’, relates to Judge’s refusal to allow into evidence, confusion relates to Attorney Award and Justice denied, compounded Damage is, Justice Denied harbors Protecting Attorney Malpractice’s of the First Attorney’s Theft that Second Attorney Protected, Yes; Attorney Deserves Pay for Work, Independently of Malpractice Goal against Attorney’s Insurance/Bonds that assuredly relates Out-of Court Settlement Awards and License’s but Judge’s Judgment and Appeal refusal Stands restrictive of Jurisprudence, Prejudices sometimes avoid defined Identifiable reasoning’s.

6. Trustee at Hearing on 10/04/2005 Conversed or Ordered Attorney to File Core Adversary, and later Attorney repeatedly related, Intent to File Core Adversary Hearing was Progressing up to the 12/15/2005 Release of Stay and Core Adversary received No Action before 12/17/2005. Payment Arrears were not sent awaiting Judicator notice of filing, expecting Loan History exam, Discovery, Proof of Forced Bankruptcy exposure.

6A. Homeside Lending Loan Manager became’ Washington Mutual Loan Manager.

6B. Loan Manager Protecting Loan History released Bankruptcy Stay, on 12/15/2005.

6C. Loan Manager’s 48 Months of Loan History Protection was Unlocked to Washington Mutual Archive’ Department after Released Stay, on a whim and Prayer Archive’ was called.

6D. Washington Mutual Loan Archive’ Department E-Mailed Loan History on 12/15/2005.
Washington Mutual was Informed to explain, discrepancies on 12/16/2005.
Bank One “Principal Curtailment” and Loan Manager’s Escrow reduction became Evidence.

6E. Washington Mutual claimed My Ignored RESPA request was on File.

6F. Washington Mutual claimed to have Never received Attorney RESPA Request, Faxed Attorney RESPA Request to Washington Mutual Archive’ 12/16/2005.

6G. Attorney Office Meeting after 12/17/2005 for Legal Process, Core Adversary intent with Court unfiled, Loan History was reviewed with Attorney Lender Telephone Communications.

6H. Washington Mutual Admitted Both Lenders Damaged Loan, with Formal Written Document of Lender Damage Itemization.

6I. Received in Mail Court’s Core Adversary notice of Filing, Dated Filed on 12/15/2005.

7. 48 Months of Loan History Protection forced Loan Manager to rush release of Stay on 12/15/2005 to avoid “Suspended” Core Adversary Hearings Filing, but on the same Day, Washington Mutual Archive’ Department E-mailed Coveted Loan History that Self Evidenced Missing Payment direction Detail, inherently revealing Escrow and Loan Damage.

7A. Washington Mutual was forced into written admittance, Loan Damage Assessment Statement that exacted, Bank One Misapplied Payment calling it “Principal Curtailment” {Curtailment = Lop-off liken-to Horse’s Tail!} Revealing Lender Despising Lender that Compromise’s All Accountability’s, explaining the Spite, Words “Escrow Curtailment” Draw’s.

7B. Washington Mutual written admittance exacted Loan Manager Errantly Misapplied Escrow attempting to reverse “Principal Curtailment” then Argued in Court opposition claiming November 2001 Escrow reduction was Intended anticipating needed December, 2001 Payment, all Payment Date Augmentation and Conflicts in History were Dispelled’ with Evidenced Proof, Lender was restricted to Defend “Principal Curtailment” and “Escrow Misapplication” offering only “Common Practice’s” and a don’t know why!

7C. Coveting was preformed to protect Lender from Contractual Damage expenses of $10,286.25 in trade falsified Credit Report to force Bankruptcy, ignorant of simple Penny for Penny exchange in 2001 to reverse Damage.

8. 80 Month’s Ago’ Loan Transferred 11/01/2001, Lender Denied Payment Credit of $778.34 for “Principal Curtailment” and Lender Denied Payment Credit of $637.22 for “Escrow Curtailment” recorded on First real-time Payment Breakdown Statement of 11/10/2001 {Lender Investigation Team required Canceled Check Front/Back Proof of Payment early 11/2001 and incorrectly reported resolve around 11/28/2001} equaling Loan Payments of $1,415.56 missing Credit to Date.

8A. Loan History that was Coveted to Protect Breach of DEED Contractual Damage expenses of $10.286.25, was followed by Errant Escrow reduction, that forced False Credit Report to Protect Lender from Both “Curtailments” forcing Voluntary Bankruptcy, now 80 Months without Payment Credit.

8B. Bank One N.A. Breach of DEED for $10,286.25 Damage became Contractually Transferred on 11/01/2001 to Homeside Lending with $1,289.85 Escrow Funds.
On 11/28/2001 Loan Manager Erroneously reduced Escrow attempting Damage reversal.
On 12/10/2001 County Tax Payment $1,168.26 created Escrow Shortage, amounting to $-515.63, Second simple Penny for Penny exchange reversal opportunity missed.
On 12/12/2001 Escrow Surplus of $336.23 increased Shortage amounting to $-851.86.
Escrow Reduction of 11/28/2001 was Reported received funds on 1098 Tax Form.

8C. December 2001 was Void of Payment on all received Loan Histories “Then and Now.”
On after 1/1/02 Homeside Lending received first Payment, 11/28 to 12/12 = Loan Damage!

9. December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also was reported to Fourth Independent’ in-House’ Credit Report Agency {Named in Testimony} that Supply’s the Three respected Credit Reporting Agency’s.

9A. Both Bank One and Loan Manager repeatedly refused Production of Loan Payment History’s relating to Escrow Shortage in 2001, 2002. Denying Attorney’s up to 12/16/2005.

9B. Denying Bank One History accomplished, “Principal Curtailment” Protection.

9C. Denied Homeside Lending Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating Loan History to start 11/28/2001 absent of the Escrow Reduction.

9D. Bank One’ sent Account Closed Statement, claiming $812.48 Payments were $920.78.

9E. Lender Posted Escrow Reduction Statement on 11/10/2001.

9F. Lender Investigated Bank One Payment by Requiring Front/Back Canceled Cheek Proof for Investigation Team {2001 was “Paid in Full”} 11/28 relate Date Investigation Concluded?

9G. Requested received Payment History early 2002 began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”

9H. Requested received Payment History April 15, 2002, began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”

9I. Lender Demanded All Escrow Shortage, be made Current before further Account Review, or Payment History updating.

9J. Twelve Escrow Shortage Payments of $103.34 increased Payment Demand from $813.49 / $812.48 to $915.83, Started on April 2002 and Check did ISF.

10. Bank One accepts Payment then Mails Statement with one Coupon, December Coupon was Paid, Lender Paid $34.14 December PMI, then Breached DEED Commitment Contracted, Applying then Reversing December 2001 Payment to Pay Principal only, before Transferring Loan, called “Principal Curtailment” Homeside Lending received $1,289.85 Escrow with Loan on 11/1/2001. Absent of Loan Commitment Information Requiring Escrow to Pay 2001 County Tax.

10A. Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page Lender Signed, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment specifying instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, separating a Prepayment from Coveted Curtailment to Contractually support the 180 Month Term Commitment DEED Paperwork, $12,291.54 – Outside Costs = $10,286.25 Commitment Damage.

10B. Fourteen Day Damage from 11/28/2001 to 12/12/2001 resulted from intent to Conceal “Principal Curtailment” Damage of $10,286.25 Justifying Interest Due Today.

10C. Loan Manager’s “Escrow Curtailment” Relates from Day Loan Transferred, forced Bankruptcy and Rushed Release of Stay, Damage Justifies Tenfold Accountability counting Interest and Damages to Allow Attorney Theft Suit, Attorney Malpractice Suit {assure Out of Court Settlement’s} and San Antonio Credit Union Damage is simply New Rav4 Settlement.

11. Attempting to reverse “Principal Curtailment,” Lender inadvertently reduced Escrow from $1,289.85 to $652.63 according to Real-time Loan Statements Itemization on 11/10/2001 not on 11/28/2001 as Argued.

11A. Requested Proof of Canceled Check Payment was sent to Lender before 11/28/2001 Pretrial Discovery Question relating to that Investigations’ Timeframe, and it’s results both repeated and ignored, Argument that Escrow reduction was on 11/28/2001 Flounders, Argument it Paid December Flounders, and Stands Disputing Washington Mutual Admittance Statement, but that requires Diligent Securitization of Verbatim the avoided Discovery Question’s intended to simplify everyone’s understanding, Escrow was Reduced.

11B. Washington Mutual’s Loan Damage Acknowledgement Report exacted Bank One Action a “Principal Curtailment” and exacted Homeside Lending Errant Escrow reduction a Misapplication, reducing Escrow is damage, Errant is a wrong, Misapplication is a mistake.

11C. Errant “Principal Curtailment reversal attempt, applied funds to Month Bank One already Credited allowing 11/2001 to be Credited by Both Lenders, because December is absent of Documented Credit, Repeatedly! Applications Location Discovery required Accountability! Reduced Escrow Concealed’ from Loan History’ for 48 Month’s’, by Definition is “Escrow Curtailment.”

11D. County Tax payment of $1,168.26 on 12/10/2001 created Escrow Shortage, amounting to $-515.63 so Loan Manager Posted Escrow Surplus return 12/12/2001 of $336.23 to increase Escrow arrears, amounting to $-851.86.

12. Homeside Lending Loan Manager’s Coveting of the Bank One 2001 “Principal Curtailment” was complicated by the Erroneous Escrow Reduction that became intent to deceive lasting for 48 Months to protected Contractual Damage expenses of $10,286.25 in trade for forcing My Bankruptcy, now 80 Months without Payment Credit.

12A. Homeside Lending’s failed attempt at Damage reversals deduction of Funds from Escrow was admitted by Washington Mutual, Erroneously Misapplied.

12B. Washington Mutual acquired Homeside Lending and the Loan Manager that Testified for Washington Mutual’s Attorney being Sued, Loan Manager was reduced to Arguing’ the ”Bank One N.A. “Principal Curtailment” was “Common Practice” Defendable.

12C. Loan Manager was reduced to Arguing’ the Homeside Lending inadvertent Escrow Reduction was “Common Practice” Defendable, despite ruining Credit Report, Falsifying 1098 Tax Form, Forcing Bankruptcy, Releasing Stay, Arguments were all Moot because Washington Mutual accepted Faults Blame in Written Statement of Bank One “Principal Curtailment” and Homeside Lending Erroneous “Escrow Reduction.”

12D. Loan Manager was reduced to Arguing’ the Escrow Surplus return from Account in Shortage was beyond Testimony Explanation, actuality it was Damage Doubling in Nature.

12E. Bank One did Report 2001 Tax Form 1098! Homeside Lending Reported 2001 Tax Form 1098 claiming Escrow Reduction Funds as Received Funds, following Loan Transfer First Payment was in 2002, Exampling boundless Dismissing mindset forsaking Bankruptcy.

13. December 2001 was Void of Payment on all received Loan Histories “Then and Now” December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also were reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.

13A. Demanding on the Recorded Record, Credit for Payments made, Judge at Bankruptcy Conformation Hearing, Ordered Attorney to File “Proof of Claim” Trustee and Lender were Chaired {Judge Required Paperwork Signed or Foreclosure} Sixty Day “Stay” of Conformation Resulted for Canceled Check Dispute resolution.

13B. Lender Chaired Hearing to expect History request and either refused to reply or Attorney Ignored Judge Order requirement of “Proof of Claim” but Time Expired, Attorney said on Phone that he was/is Quitting, Months Later Large Credit Union Check Posted to make Account Current, Auto Loan {Rav4} Arrears Paid in Full before New Attorney Hired.

13C. Later Attorney sent New Letter-headed San Antonio Credit Union Payment Coupon Book that had Additional Principal and Coupons, Stating he Quit and Suggested Attorney.

13D. March 15, 2004 “I am Referring all My Clients Letter” from Attorney, Notating enclosed New Payment Coupon Book for Rav4. New Attorney, RESPA Request Date 2/12/2005 before our First Meeting, Date on RESPA Request related Lender Damage’s for being ignored from backdating Action, if it was ever Posted, Attorney Claims sent by Certified Mail.

13E. Attorney Quit, including sending bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired, later found out he Charged an additional $1,200.00 to My Bankruptcy Trustee as a Wanton Disregarding parting Gift.

14. Instantly New Attorney sent Homeside Lending Certified mail RESPA “qualified written request” with Guidance Attorney’s Legal Secretary Helped with Rav4 Credit Union New Term Commitment additional Principal, Payment Coupon Book former Attorney Devised.

14A. San Antonio Credit Union Denied Adjusting Terms Principal or sending New Coupon Book that had acquired Three Additional Months.
Attorney’s Legal Secretary was Arbitrating {I Shut-up and Listen Great but Jump Topics with Excitement when Talking/Arguing} Legal Secretary was used to eliminate that problem beforehand.
Coupon Books at Hand and unresolved because Credit Union was Denying its Existence, Loan Payoff Schedule was requested and received,
Two Additional Months were Added to the Attorneys’ Three Months creating Loans Demand of Principal without Accounting Interest that was Larger than Original Loan’s Principal Financed, again resolve was Denied, Current on Rav4 Loan, Fighting Home Loan, anticipating RESPA Response, told Credit Union to expect No more Payments, will properly clean before Repossession Day, awaiting RESPA Response lasted past Rav4 Repossession, Attorney was being indifferent about Rav4.

14B. Trustee reported itemized Deficiency Amendment of $2,526.87 to Rav4 without Accountability Charged by First or Second Attorney before Repossessed and of course again After Repossession about $2,500.00 Amendment Charged. Trustee Clerk Stated all Amendment Charges Paid without Question, again “Common Practice.”

14C. Seven Months later with Loan History Denied {E-Mailed to Federal Regulators & Assumed Regulators that Lender fails to respond to Attorneys RESPA Request, fair assumption’s Review was Forced and Privileged ignored by Lender} Payments were Suspended for Audience with Bankruptcy Court resolution, Attorney and Judge failed to attend release of Stay hearing, Bankruptcy Trustee was Ruling Release of Stays for Judge, Release of Stay was Suspended, Trustee required Attorney attendance 30 days later.

14D. Briefly First Attorney failed Judge “Proof of Claim” Order and overcharged Trustee’s Bankruptcy Fee’s, Raided Rav4 Bankruptcy Account and Raided Rav4 Credit Union Account before Credit Union Raided Rav4 Account.
Second Attorney Protected to Malpractice RESPA, Failed to Attend Hearing, Claimed intent to file Core Adversary, but allowed release of Stay, sent Substituted Attorney to Court failing to Attend Hearing and Misdirected Appellate Attorney with Confusion.

14E. Ignored Attorney RESPA request was used to format “My layperson” RESPA “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual, it was Ignored, request Sent Certified Mail to Bank One, Bankruptcy Trustee and Washington Mutual, was also Posted regular Mail to Homeside Lending, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau and more including California Attorney General that Promised Active Silent Case Review, but Lender moved to Nevada, not Seattle, Request was E-Mailed to RESPA, Hud, U.S.A.G. Bush and Blair were at Ranch, Sent to Blair, Tony Snow and more.

15. Better Business Bureau was being Ignored and reported no response from Washington Mutual, I challenged their Existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day 12/15/2005 Pretrial, itemizing the Curtailments, Washington Mutual Admittance of Fault called for Court Action.

16. Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail RESPA “qualified written request” {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!

16A. Week before Three Day Core Adversary Hearing was Pretrial Hearing, unknown Surrogate Attorney arrived to Defend stating Case Dropped in Lap without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days, Threatening to Dismiss unless Attorney attended to Defend, fear of voicing any Objection Resulted.

16B. Judge Allowed ignored RESPA request to received the only damage Judgment $1,000.00 {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date, Also recorded in Testimony Ignored {Blank} Discovery Questions.

16C. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Six Days received Twelve Days after Judge Signed Award Judgment Appeal was filed, and Denied.

16D. “RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.

17 New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Case History reviewed, shared in Office, spent on Phone and E-Mailed, Trial Bankruptcy Attorney Name on Appeal remained, Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.

17A. Second Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or DOJ Broke Problem reasoning!
Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!

17B. Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary then time expired.

18. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September 2002, Mid 2002 Priority became Credit Card balance over Loan Payment {History was Denied to Address Escrow Arrear Demand from Loan with Current on-time Payments, Lender Failed Accountability and refused Bank One Loan History, then Credit Report Blocked outside Refinance} $8,000.00 Credit Card % increased from around 5% to 20% to 30% April May 2001, Bankrupted! Day Rate damages, was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment.

19. December 2007’ Washington Mutual returned $7,515.98 of Loan Payments, by Trustee Opening and Reclosing Bankruptcy to Transfer Payment, Mooting Judgment with Fault Admittance, skirting Commitment Damages, keeping Curtailments, Foremost Credit Report Notation of Faults Blame notation on Loans Credit Report equates. Theft reaches Tuition by Foreclosure, as does “Common Practice” Case Law Defense.

6.5 Million Foreclosures; Is There a Behavioral Problem?

Richard Pollak [e-mail] Alvin Texas 77511 Born 09/17 Constitution Day, “We Hold These Truths to Be Self Evident!” Justice Denied because Damage, simply relates, International Commerce’s permission that Payments, Deserve Credit, Affronted Authority Squanders Laws Subservient by emboldening forsakenly.

Standard 6.5 Fixed 180 Month Loan Closed on May, 2001 for $77,000.00, $60,000.00 Available Credit Card Credit “0” Due, Loan Originator received all 2001 Coupon Payments, then Transferred Loan, and First Three 2002 Payments were Also on-time Current.

Payments Lost in 2001 Created Escrow Shortage, Felonious Credit Report Blocked Outside Refinance, Bankruptcy was Forced, Payment History was Denied, Stay was released and Lender Supplied 48 Month Coveted Loan History same Day, Lender Admitted Faults, Sued Lender, Admittance Ignored, Appealed Judgment Award {10 Day to Appeal was Coveted} “on Time by RULE # 2005” Appeal Denied for Time expired {15th Day of 11 Day Served, -5 Day RULE, 6 Day Allowed – Sunday’s?} Appeal Denied Five Times, Lender Returns $7,515.25 Mooting Judgment, Threatening Foreclosure 05/06/2008 to “Case Law” Theft “Common Practice,” Blanketing Escrow Anti-trust Defendable for Corporate Megalomania.

Foreclosure offers Different Protections from Justice relating Financial Accountability to the Following; Homeside Lending is/or/and Washington Mutual, First Bankruptcy Attorney, Second Bankruptcy Attorney Protecting first, Bankruptcy Trustee and San Antonio Credit Union all Misdirected Funds, Dismissing Accountability.

Foreclosure Relates to the Following; Bank One Transferred Account with intentional Damage, Judge allowed Theft “Common Practice” Defended, Enron Judge Protected Both Houston Courthouse and DOJ Systematic, Fifth Circuit Protected DOJ, Appellate Attorney ignored Merit of Assured Supreme Court Victory that Promised Numerous Damage Awards, by seeking and Crediting Skewed Trial Attorney Misinformation.

1. Sued Washington Mutual for Damage, after forcing Formal Admittance Statement that through Loan Transfer Principal and Escrow were reduced. Equating {2001 “Principal Curtailment” Breach of DEED 180 Month Term Commitment $778.34} and {2001 “Escrow Curtailment” Anti-trust $637.22} Loan Manager Coveted the Pertaining Loan History, holding Loan Hostage for Lender Arrear Error of Twelve Escrow Shortage Payments amounting $103.34 that Started April, 2002 ten Months into Current Paid-up Loan, Credit Report Damage Blocked outside Refinance.

1A. Refinance Block forced Bankruptcy, Loan History was Coveted from Attorneys until released Stay {$1,415.56 missing for 48 Months} By Closing Loan, History Transferred to Archive’ Department Teller unlocked, revealing both the Coveted Bank One “Principal Curtailment” Abandonment of December, 2001 and Homeside Lending Erroneous attempt at “Curtailment” reversal that Admitted Erroneous Misapplication of Escrow November, 2001.

1B. Proof Relates Both Lenders Credited November 2001 and Abandoned December 2001. Bank One and Homeside Lending Refused Bank One Loan History, and Loan Manager Protection of Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating All Loan History’s to start 11/28/2001 absent of the “Escrow Curtailment” Reduction.

1C. First 27 Days of Loan History Concealed, both “Curtailments” requiring Lender in 2001 to report Escrow Reduction on Form 1098 Taxable and Falsified Credit Report. Fearing exposure Loan History was protected until release of Stay Day when Archive responded by E-Mail supplying Loan History, their Fault Admittance Statement followed.

1D. ({“Point Counter Point”}) Loan History Abandoned December of all Credit and November “Escrow Curtailment” needed Additional $131.12 if it was to Reverse “Principal Curtailment” Damage, Lender Statement Detailed “Erroneous” Escrow “Misapplication” Escrow Shortage Increased Payment Demand for Twelve Months by $103.34, but Lender Attorney Claims November 11/10 not 11/28 Escrow Reduction Paid December?

1E. Meager $1,000.00 Award for ignored RESPA request was Timely Appealed, because Attorney’s Proof of Claim” was ignored, Attorney RESPA request was ignored {ruled inadmissible} and ignoring My Lay-person RESPA request that included ignoring the Better Business Bureau {Washington Mutual Chair expelled} Release of Stay was achieved, Archive’ Department halted Progression.
Funds Lost, Damage Award and Costs Appeal was Preparation for related Substance seeking Constitutional Justice of and including, First Attorney’s Systematic Drain of Both Bankruptcy Trustee Account Charges and Rav4 Bankruptcy Account Charges that began by advancement of Principal Term Commitment to Drain Rav4 San Antonio Credit Union Auto Loan.

1F. Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment, December 2007’ Washington Mutual returned $7,515.98 Loan Payment, Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, picking Damage with willingness, forfeiting Accountability and Address, Rushing Foreclosure 5/6/08 seeks Dismissal out of Hand.

1G.Foremost Credit Report Notation of Bankruptcy’s “Faults Blame” notation on Loans Credit Report, equates.

1H. Demanding Credit for Payments made at Bankruptcy Conformation Hearing, Judge Ordered Attorney to File “Proof of Claim” on the recorded record. Judge required and accepted My Signature but Stayed Conformation for 60 Days, Ignoring Judge, Attorney Quit all Houston Caseload.

2. Defendant was colluded from Washington Mutual to former entity Homeside Lending under Seal, later reversed for Damage Award Payment.

2A. Attorney’s ignored Certified Mail RESPA “qualified written request” was Inadmissible.

2B. At Pretrial Hearing unknown Surrogate Attorney appeared to Defend, stating Case was just dropped in Lap without Time for review, or Proper Court paperwork. Judge threatened Dismissal, Ordering Attorney’s Appearance to Defend Three Day Core Adversary Hearing.

2C. Washington Mutual Halfheartedly offered Arbitration if Costs were split, before Second Pretrial Hearing, wanting preferred Arbitrator, not being a College consideration passed.

3. Washington Mutual Trial Arguments related to Line-item Challenge of Washington Mutual Fault Admittance Statement that was evidenced, countering self by newfound Date Augmentation, excusing Accountable reasoning with Assorted Derelict Avoidances of Law.

3A. Judgment accepted Lender Defense of “Principal Curtailment” claiming “Common Practice” relating to Breach of DEED Commitments, highlighted damage, Precedent.

3B. Judgment accepted Lender Defense of Erroneous Escrow reduction claiming “Common Practice” Argued Funds reduced in November for December Payment, Argued Taxes increased Loan Payments, Argued “Principal Curtailment” reduced Loans overall Interest despite reduction of 180 Term Commitment, Argued {48 Month} “Concealed Prepayment” was not a “Curtailment” but was a Prepayment, Argued Escrow was reduced on 11/28 not 11/10, Argued April ISF Check corrected in May, Paid, April {belittlement} In Attorney Cross Lender Admitted “Curtailments” created the Escrow Shortage Demand that started in April, Admitted Large May Payment made Loan 100% Current including Damages before June 2002 and Admitted before April 2002 all Payments were respectfully Paid before Due.

3C. Judgment accepted Lender Testimony that Escrow Surplus return from Escrow already in arrears was unexplainable, root stem relates to Choice of intentional Damage Doubling, relative to Loan Payment Investigation Teams requirement of Canceled Check Front and Back sent in November 2001, Damages Stemmed from Closed Faulty Investigation Report that resulted in unknown Tax Payment responsibility Escrow Damage, Teams final Conclusion Dated Escrow reduction of 11/10 suspended to 11/28 but missed the Fact that it was Erroneous, forcing Escrow reduction to be reported on 1098 Tax Form as received Funds, and forcing December 2001 Payment History’s Shading/Blank Void report to Credit Agency, Second Time Simple Penny for Penny Swap opportunity missed.

4. Judgment ignored Core of Core Adversary Hearing Primary responsibility of Damage Awarding the DEED Stipulation Paragraph Verbatim, then Assessing Day-rate Damages for forced Bankruptcy and Skewed to ignore Published Guilt Admittance evidenced.
Precedent Clause clearly defines Prepayments requirement of Signed
Authorization, forbidding Concealment that intentionally Contractually Itemizes abuse Damage Award Amount to Protect Paperwork of DEED, independent of Escrow Abuse Damage Damages.
Importance of Paragraph Commanded notation on Judgment, but Judgment edited Substance’s Importance without Authority, by cropping off top-Half of Paragraph, in effort to revise intended meaning, by omitting forward Substance, “Quoting” only bottom half of Paragraph their Collusion Supported Curtailments.

4A. Just Eleven of the Coveted Ten Day Timeframe allowance was actually Served, to review, itemize, find, hire and Convince Appellate Attorney Versed in “Bankruptcy Appeals!” *1. Attorney that wanted Case, Questioning, own Personal Expertise, Denied Case Days before Appeal was filed. *2. Appellate Attorney’s often Co-Counsel, Office meeting Case Denial with Referral resulted in next Day Appeal. *3. Appeal Arguments were E-Mailed/Spammed to Numerous Appellate Bar Attorneys. *4. Trial concluded 100 Day’s later Home Mailbox Served Delivery, if Box was Checked that Day then Eleven Day’s from Served to Appeal minus the 5 Day RULE, Trial Attorney called many Days Later without Interest.
Fifteen Day after Judge Signed, Attorney Appealed but foolishly, Persistently, Ignored Merits Arguing Excusable Neglect. Judgment accused Predisposed to Bankruptcy aspirating Peasant’, Judge ignored Federal Bankruptcy RULE #2005 Precedent extension of 5 Day Appeal Timeframe Law, Simple U.S. SUPREME COURT DEED Paragraph Deciphering needed to Case Law, until/forcing only DEED found Borrower Protection, achieves revision.
Coveted 10 Day’s Appeal Allowance was misunderstood beforehand by Trusting Attorney assurance that 30 Day’s and not 90 Day’s was the allotted Appeal Timeframe. Conveyed in Confidence, waiting for the minute Courtroom doors opened Pretrial.

4B. Trial ended November 2005,100 Days later, 2/23/2005 Memorandum, Judgment, 2/25/2005 BNC Mailing, 2/27/2005 Appeal Served U.S. Mail Standard Mail-box Delivery if Mailbox was Checked on that Day, Appeal to extend Filed 3/10/2005, 15 Day count, 11 Day Served Count, Federal Appeal RULE #2005 regulates 5 extra Days, allowing Count 6 Day Received to Appeal and Sunday might Not Count, Rush to Dismiss failed Arithmetic Prudence or Constitutionality, Imagination offers Collusion to Covet Attorney Theft Protection or Justice’s Blind Permanence, for same or Protecting Wall Street assumption.

4C. Bankruptcy Judge Chaired from Conformation to Award Appeal is famed for Worlds largest Historic Billions of Dollars Bankruptcy Case Dismissal, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail Delivery took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Appeal being Denied Mimicked Trial Merits Ignored. Lender Mooted Judge then Judgment, only Arguing to Moot Guilt Admittance Lender Statement.

4D. Justice Circumvented the Federal Bankruptcy Court “RULE” that extends all Judge Appeal Timeframe for Five Additional Days RULE #2005. Famed Houston ENRON Judge received and Denied Second Appeal, Appeal waited for ENRON Trials Conclusion.
Fifth Circuit refused to overrule ENRON Judge, Printer never received Desired U.S. SUPREME COURT Appeal and Time expired, Merits were never exacted or explored.

4E. Thousands of Bankruptcy’s relate and Hundreds of Bankruptcy’s have resulted since because Proved Damages were Denied, Lender Accountability Reforming Day-rate Damages was Award sought, if 5/6/2008 Foreclosure receive Action, Theft becomes allowed, Case Law results that Lender Defense of DEED restricted Curtailments, Errant Escrow Reductions and Misapplications are “Common Practice” Defendable, opening the floodgate of Attorney exploitation, Theft Defended as “Common Practice” allowable.

5. On April 2002 Loan Damages created insurmountable Escrow Shortage Arrears increasing the next Twelve Monthly Payment Demand from $813.49 / $812.28 to $915.83 effecting accountability, $8,000.00 new Credit Card Home Improvement Balance reached 30% interest exactly and instantly relating.

5A. Priority became Credit Card over Home Loan seeking outside Refinance of $100,000.00 for 25 Years to install Rental Home on Lot was Goal, Original Planned Goal of Home Reconstruction inside Work was achieved 9/02 ready to extend Longer Terms by Refinancing for Rental Trailer house and Outside Reconstruction Goal remained. Numerous Refinance attempts achieved sudden Quick Denial, November, 2002 after Home Inspection Citi-Bank Reported Incomplete Loan Payment History before April 2002 needed addressed, Forced into Bankruptcy with $8,000.00 at hand, Work in Oilfield, Paid-off many Credit Cards but included Auto Loan expecting resolve with Attorney Assistance, needing only Loan History.

5B. Credit Report Damage of December, 2001 Shaded Box Void/Blank entry Blocked outside Refinance to force Bankruptcy, then Bankruptcy Attorney was denied “Proof of Claim” {Judge ordered at Conformation Hearing, Staying Conformation 60 Day’s} included Bankruptcy Attorney’s RESPA “qualified written request” that was also being ignored, again Payments were halted for Court appearance to Demand Credit for Check Payments, Judge and Attorney missed Attending Release of Stay Hearing 09/02/2005.

5C. 9/05 Bankruptcy Trustee was Chairing / Ruling all Proceedings and Release’s of Stay for absent Judge that Busy Day {related need for Core Adversary option} Trustee Stayed Release of Stay for 30 Days Ordering Attorney’s Presence on 10/04/2005.
Trustee on 10/05 Conversed or Ordered, Attorney File Core Adversary Hearing, at that same timeframe, My Lay-person RESPA “Qualified Written Request” crafted was being ignored, Better Business Bureau assisted and Expelled Washington Mutual Chief Arbitrator Chair with Three Year Suspension for being ignored.

5D. RESPA “qualified written request” is simply a request to open Loan Discovery by itemization of Questions. Construction of request follows a formula and Lender is Time-line required to first admit receiving, second form reply and Third reach resolve.

5E. Attorney Formally Back-dated RESPA Request to expire the Time-line allowance when Posting and it Predated our first meeting, understanding’, relates to Judge’s refusal to allow into evidence, confusion relates to Attorney Award and Justice denied, compounded Damage is, Justice Denied harbors Protecting Attorney Malpractice’s of the First Attorney’s Theft that Second Attorney Protected, Yes; Attorney Deserves Pay for Work, Independently of Malpractice Goal against Attorney’s Insurance/Bonds that assuredly relates Out-of Court Settlement Awards and License’s but Judge’s Judgment and Appeal refusal Stands restrictive of Jurisprudence, Prejudices sometimes avoid defined Identifiable reasoning’s.

6. Trustee at Hearing on 10/04/2005 Conversed or Ordered Attorney to File Core Adversary, and later Attorney repeatedly related, Intent to File Core Adversary Hearing was Progressing up to the 12/15/2005 Release of Stay and Core Adversary received No Action before 12/17/2005. Payment Arrears were not sent awaiting Judicator notice of filing, expecting Loan History exam, Discovery, Proof of Forced Bankruptcy exposure.

6A. Homeside Lending Loan Manager became’ Washington Mutual Loan Manager.

6B. Loan Manager Protecting Loan History released Bankruptcy Stay, on 12/15/2005.

6C. Loan Manager’s 48 Months of Loan History Protection was Unlocked to Washington Mutual Archive’ Department after Released Stay, on a whim and Prayer Archive’ was called.

6D. Washington Mutual Loan Archive’ Department E-Mailed Loan History on 12/15/2005.
Washington Mutual was Informed to explain, discrepancies on 12/16/2005.
Bank One “Principal Curtailment” and Loan Manager’s Escrow reduction became Evidence.

6E. Washington Mutual claimed My Ignored RESPA request was on File.

6F. Washington Mutual claimed to have Never received Attorney RESPA Request, Faxed Attorney RESPA Request to Washington Mutual Archive’ 12/16/2005.

6G. Attorney Office Meeting after 12/17/2005 for Legal Process, Core Adversary intent with Court unfiled, Loan History was reviewed with Attorney Lender Telephone Communications.

6H. Washington Mutual Admitted Both Lenders Damaged Loan, with Formal Written Document of Lender Damage Itemization.

6I. Received in Mail Court’s Core Adversary notice of Filing, Dated Filed on 12/15/2005.

7. 48 Months of Loan History Protection forced Loan Manager to rush release of Stay on 12/15/2005 to avoid “Suspended” Core Adversary Hearings Filing, but on the same Day, Washington Mutual Archive’ Department E-mailed Coveted Loan History that Self Evidenced Missing Payment direction Detail, inherently revealing Escrow and Loan Damage.

7A. Washington Mutual was forced into written admittance, Loan Damage Assessment Statement that exacted, Bank One Misapplied Payment calling it “Principal Curtailment” {Curtailment = Lop-off liken-to Horse’s Tail!} Revealing Lender Despising Lender that Compromise’s All Accountability’s, explaining the Spite, Words “Escrow Curtailment” Draw’s.

7B. Washington Mutual written admittance exacted Loan Manager Errantly Misapplied Escrow attempting to reverse “Principal Curtailment” then Argued in Court opposition claiming November 2001 Escrow reduction was Intended anticipating needed December, 2001 Payment, all Payment Date Augmentation and Conflicts in History were Dispelled’ with Evidenced Proof, Lender was restricted to Defend “Principal Curtailment” and “Escrow Misapplication” offering only “Common Practice’s” and a don’t know why!

7C. Coveting was preformed to protect Lender from Contractual Damage expenses of $10,286.25 in trade falsified Credit Report to force Bankruptcy, ignorant of simple Penny for Penny exchange in 2001 to reverse Damage.

8. 80 Month’s Ago’ Loan Transferred 11/01/2001, Lender Denied Payment Credit of $778.34 for “Principal Curtailment” and Lender Denied Payment Credit of $637.22 for “Escrow Curtailment” recorded on First real-time Payment Breakdown Statement of 11/10/2001 {Lender Investigation Team required Canceled Check Front/Back Proof of Payment early 11/2001 and incorrectly reported resolve around 11/28/2001} equaling Loan Payments of $1,415.56 missing Credit to Date.

8A. Loan History that was Coveted to Protect Breach of DEED Contractual Damage expenses of $10.286.25, was followed by Errant Escrow reduction, that forced False Credit Report to Protect Lender from Both “Curtailments” forcing Voluntary Bankruptcy, now 80 Months without Payment Credit.

8B. Bank One N.A. Breach of DEED for $10,286.25 Damage became Contractually Transferred on 11/01/2001 to Homeside Lending with $1,289.85 Escrow Funds.
On 11/28/2001 Loan Manager Erroneously reduced Escrow attempting Damage reversal.
On 12/10/2001 County Tax Payment $1,168.26 created Escrow Shortage, amounting to $-515.63, Second simple Penny for Penny exchange reversal opportunity missed.
On 12/12/2001 Escrow Surplus of $336.23 increased Shortage amounting to $-851.86.
Escrow Reduction of 11/28/2001 was Reported received funds on 1098 Tax Form.

8C. December 2001 was Void of Payment on all received Loan Histories “Then and Now.”
On after 1/1/02 Homeside Lending received first Payment, 11/28 to 12/12 = Loan Damage!

9. December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also was reported to Fourth Independent’ in-House’ Credit Report Agency {Named in Testimony} that Supply’s the Three respected Credit Reporting Agency’s.

9A. Both Bank One and Loan Manager repeatedly refused Production of Loan Payment History’s relating to Escrow Shortage in 2001, 2002. Denying Attorney’s up to 12/16/2005.

9B. Denying Bank One History accomplished, “Principal Curtailment” Protection.

9C. Denied Homeside Lending Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating Loan History to start 11/28/2001 absent of the Escrow Reduction.

9D. Bank One’ sent Account Closed Statement, claiming $812.48 Payments were $920.78.

9E. Lender Posted Escrow Reduction Statement on 11/10/2001.

9F. Lender Investigated Bank One Payment by Requiring Front/Back Canceled Cheek Proof for Investigation Team {2001 was “Paid in Full”} 11/28 relate Date Investigation Concluded?

9G. Requested received Payment History early 2002 began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”

9H. Requested received Payment History April 15, 2002, began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”

9I. Lender Demanded All Escrow Shortage, be made Current before further Account Review, or Payment History updating.

9J. Twelve Escrow Shortage Payments of $103.34 increased Payment Demand from $813.49 / $812.48 to $915.83, Started on April 2002 and Check did ISF.

10. Bank One accepts Payment then Mails Statement with one Coupon, December Coupon was Paid, Lender Paid $34.14 December PMI, then Breached DEED Commitment Contracted, Applying then Reversing December 2001 Payment to Pay Principal only, before Transferring Loan, called “Principal Curtailment” Homeside Lending received $1,289.85 Escrow with Loan on 11/1/2001. Absent of Loan Commitment Information Requiring Escrow to Pay 2001 County Tax.

10A. Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page Lender Signed, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment specifying instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, separating a Prepayment from Coveted Curtailment to Contractually support the 180 Month Term Commitment DEED Paperwork, $12,291.54 – Outside Costs = $10,286.25 Commitment Damage.

10B. Fourteen Day Damage from 11/28/2001 to 12/12/2001 resulted from intent to Conceal “Principal Curtailment” Damage of $10,286.25 Justifying Interest Due Today.

10C. Loan Manager’s “Escrow Curtailment” Relates from Day Loan Transferred, forced Bankruptcy and Rushed Release of Stay, Damage Justifies Tenfold Accountability counting Interest and Damages to Allow Attorney Theft Suit, Attorney Malpractice Suit {assure Out of Court Settlement’s} and San Antonio Credit Union Damage is simply New Rav4 Settlement.

11. Attempting to reverse “Principal Curtailment,” Lender inadvertently reduced Escrow from $1,289.85 to $652.63 according to Real-time Loan Statements Itemization on 11/10/2001 not on 11/28/2001 as Argued.

11A. Requested Proof of Canceled Check Payment was sent to Lender before 11/28/2001 Pretrial Discovery Question relating to that Investigations’ Timeframe, and it’s results both repeated and ignored, Argument that Escrow reduction was on 11/28/2001 Flounders, Argument it Paid December Flounders, and Stands Disputing Washington Mutual Admittance Statement, but that requires Diligent Securitization of Verbatim the avoided Discovery Question’s intended to simplify everyone’s understanding, Escrow was Reduced.

11B. Washington Mutual’s Loan Damage Acknowledgement Report exacted Bank One Action a “Principal Curtailment” and exacted Homeside Lending Errant Escrow reduction a Misapplication, reducing Escrow is damage, Errant is a wrong, Misapplication is a mistake.

11C. Errant “Principal Curtailment reversal attempt, applied funds to Month Bank One already Credited allowing 11/2001 to be Credited by Both Lenders, because December is absent of Documented Credit, Repeatedly! Applications Location Discovery required Accountability! Reduced Escrow Concealed’ from Loan History’ for 48 Month’s’, by Definition is “Escrow Curtailment.”

11D. County Tax payment of $1,168.26 on 12/10/2001 created Escrow Shortage, amounting to $-515.63 so Loan Manager Posted Escrow Surplus return 12/12/2001 of $336.23 to increase Escrow arrears, amounting to $-851.86.

12. Homeside Lending Loan Manager’s Coveting of the Bank One 2001 “Principal Curtailment” was complicated by the Erroneous Escrow Reduction that became intent to deceive lasting for 48 Months to protected Contractual Damage expenses of $10,286.25 in trade for forcing My Bankruptcy, now 80 Months without Payment Credit.

12A. Homeside Lending’s failed attempt at Damage reversals deduction of Funds from Escrow was admitted by Washington Mutual, Erroneously Misapplied.

12B. Washington Mutual acquired Homeside Lending and the Loan Manager that Testified for Washington Mutual’s Attorney being Sued, Loan Manager was reduced to Arguing’ the ”Bank One N.A. “Principal Curtailment” was “Common Practice” Defendable.

12C. Loan Manager was reduced to Arguing’ the Homeside Lending inadvertent Escrow Reduction was “Common Practice” Defendable, despite ruining Credit Report, Falsifying 1098 Tax Form, Forcing Bankruptcy, Releasing Stay, Arguments were all Moot because Washington Mutual accepted Faults Blame in Written Statement of Bank One “Principal Curtailment” and Homeside Lending Erroneous “Escrow Reduction.”

12D. Loan Manager was reduced to Arguing’ the Escrow Surplus return from Account in Shortage was beyond Testimony Explanation, actuality it was Damage Doubling in Nature.

12E. Bank One did Report 2001 Tax Form 1098! Homeside Lending Reported 2001 Tax Form 1098 claiming Escrow Reduction Funds as Received Funds, following Loan Transfer First Payment was in 2002, Exampling boundless Dismissing mindset forsaking Bankruptcy.

13. December 2001 was Void of Payment on all received Loan Histories “Then and Now” December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also were reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.

13A. Demanding on the Recorded Record, Credit for Payments made, Judge at Bankruptcy Conformation Hearing, Ordered Attorney to File “Proof of Claim” Trustee and Lender were Chaired {Judge Required Paperwork Signed or Foreclosure} Sixty Day “Stay” of Conformation Resulted for Canceled Check Dispute resolution.

13B. Lender Chaired Hearing to expect History request and either refused to reply or Attorney Ignored Judge Order requirement of “Proof of Claim” but Time Expired, Attorney said on Phone that he was/is Quitting, Months Later Large Credit Union Check Posted to make Account Current, Auto Loan {Rav4} Arrears Paid in Full before New Attorney Hired.

13C. Later Attorney sent New Letter-headed San Antonio Credit Union Payment Coupon Book that had Additional Principal and Coupons, Stating he Quit and Suggested Attorney.

13D. March 15, 2004 “I am Referring all My Clients Letter” from Attorney, Notating enclosed New Payment Coupon Book for Rav4. New Attorney, RESPA Request Date 2/12/2005 before our First Meeting, Date on RESPA Request related Lender Damage’s for being ignored from backdating Action, if it was ever Posted, Attorney Claims sent by Certified Mail.

13E. Attorney Quit, including sending bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired, later found out he Charged an additional $1,200.00 to My Bankruptcy Trustee as a Wanton Disregarding parting Gift.

14. Instantly New Attorney sent Homeside Lending Certified mail RESPA “qualified written request” with Guidance Attorney’s Legal Secretary Helped with Rav4 Credit Union New Term Commitment additional Principal, Payment Coupon Book former Attorney Devised.

14A. San Antonio Credit Union Denied Adjusting Terms Principal or sending New Coupon Book that had acquired Three Additional Months.
Attorney’s Legal Secretary was Arbitrating {I Shut-up and Listen Great but Jump Topics with Excitement when Talking/Arguing} Legal Secretary was used to eliminate that problem beforehand.
Coupon Books at Hand and unresolved because Credit Union was Denying its Existence, Loan Payoff Schedule was requested and received,
Two Additional Months were Added to the Attorneys’ Three Months creating Loans Demand of Principal without Accounting Interest that was Larger than Original Loan’s Principal Financed, again resolve was Denied, Current on Rav4 Loan, Fighting Home Loan, anticipating RESPA Response, told Credit Union to expect No more Payments, will properly clean before Repossession Day, awaiting RESPA Response lasted past Rav4 Repossession, Attorney was being indifferent about Rav4.

14B. Trustee reported itemized Deficiency Amendment of $2,526.87 to Rav4 without Accountability Charged by First or Second Attorney before Repossessed and of course again After Repossession about $2,500.00 Amendment Charged. Trustee Clerk Stated all Amendment Charges Paid without Question, again “Common Practice.”

14C. Seven Months later with Loan History Denied {E-Mailed to Federal Regulators & Assumed Regulators that Lender fails to respond to Attorneys RESPA Request, fair assumption’s Review was Forced and Privileged ignored by Lender} Payments were Suspended for Audience with Bankruptcy Court resolution, Attorney and Judge failed to attend release of Stay hearing, Bankruptcy Trustee was Ruling Release of Stays for Judge, Release of Stay was Suspended, Trustee required Attorney attendance 30 days later.

14D. Briefly First Attorney failed Judge “Proof of Claim” Order and overcharged Trustee’s Bankruptcy Fee’s, Raided Rav4 Bankruptcy Account and Raided Rav4 Credit Union Account before Credit Union Raided Rav4 Account.
Second Attorney Protected to Malpractice RESPA, Failed to Attend Hearing, Claimed intent to file Core Adversary, but allowed release of Stay, sent Substituted Attorney to Court failing to Attend Hearing and Misdirected Appellate Attorney with Confusion.

14E. Ignored Attorney RESPA request was used to format “My layperson” RESPA “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual, it was Ignored, request Sent Certified Mail to Bank One, Bankruptcy Trustee and Washington Mutual, was also Posted regular Mail to Homeside Lending, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau and more including California Attorney General that Promised Active Silent Case Review, but Lender moved to Nevada, not Seattle, Request was E-Mailed to RESPA, Hud, U.S.A.G. Bush and Blair were at Ranch, Sent to Blair, Tony Snow and more.

15. Better Business Bureau was being Ignored and reported no response from Washington Mutual, I challenged their Existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day 12/15/2005 Pretrial, itemizing the Curtailments, Washington Mutual Admittance of Fault called for Court Action.

16. Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail RESPA “qualified written request” {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!

16A. Week before Three Day Core Adversary Hearing was Pretrial Hearing, unknown Surrogate Attorney arrived to Defend stating Case Dropped in Lap without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days, Threatening to Dismiss unless Attorney attended to Defend, fear of voicing any Objection Resulted.

16B. Judge Allowed ignored RESPA request to received the only damage Judgment $1,000.00 {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date, Also recorded in Testimony Ignored {Blank} Discovery Questions.

16C. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Six Days received Twelve Days after Judge Signed Award Judgment Appeal was filed, and Denied.

16D. “RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.

17 New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Case History reviewed, shared in Office, spent on Phone and E-Mailed, Trial Bankruptcy Attorney Name on Appeal remained, Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.

17A. Second Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or DOJ Broke Problem reasoning!
Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!

17B. Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary then time expired.

18. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September 2002, Mid 2002 Priority became Credit Card balance over Loan Payment {History was Denied to Address Escrow Arrear Demand from Loan with Current on-time Payments, Lender Failed Accountability and refused Bank One Loan History, then Credit Report Blocked outside Refinance} $8,000.00 Credit Card % increased from around 5% to 20% to 30% April May 2001, Bankrupted! Day Rate damages, was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment.

19. December 2007’ Washington Mutual returned $7,515.98 of Loan Payments, by Trustee Opening and Reclosing Bankruptcy to Transfer Payment, Mooting Judgment with Fault Admittance, skirting Commitment Damages, keeping Curtailments, Foremost Credit Report Notation of Faults Blame notation on Loans Credit Report equates. Theft reaches Tuition by Foreclosure, as does “Common Practice” Case Law Defense.

Despite Government, Non-Profit Efforts, Foreclosures Multiply - Housing Tracker

Richard Pollak [e-mail] Alvin Texas 77511 Born 09/17 Constitution Day, “We Hold These Truths to Be Self Evident!” Justice Denied because Damage, simply relates, International Commerce’s permission that Payments, Deserve Credit, Affronted Authority Squanders Laws Subservient by emboldening forsakenly.


Standard 6.5 Fixed 180 Month Loan Closed on May, 2001 for $77,000.00, $60,000.00 Available Credit Card Credit “0” Due, Loan Originator received all 2001 Coupon Payments, then Transferred Loan, and First Three 2002 Payments were Also on-time Current.

Payments Lost in 2001 Created Escrow Shortage, Felonious Credit Report Blocked Outside Refinance, Bankruptcy was Forced, Payment History was Denied, Stay was released and Lender Supplied 48 Month Coveted Loan History same Day, Lender Admitted Faults, Sued Lender, Admittance Ignored, Appealed Judgment Award {10 Day to Appeal was Coveted} “on Time by RULE # 2005” Appeal Denied for Time expired {15th Day of 11 Day Served, -5 Day RULE, 6 Day Allowed – Sunday’s?} Appeal Denied Five Times, Lender Returns $7,515.25 Mooting Judgment, Threatening Foreclosure 05/06/2008 to “Case Law” Theft “Common Practice,” Blanketing Escrow Anti-trust Defendable for Corporate Megalomania.

Foreclosure offers Different Protections from Justice relating Financial Accountability to the Following; Homeside Lending is/or/and Washington Mutual, First Bankruptcy Attorney, Second Bankruptcy Attorney Protecting first, Bankruptcy Trustee and San Antonio Credit Union all Misdirected Funds, Dismissing Accountability.

Foreclosure Relates to the Following; Bank One Transferred Account with intentional Damage, Judge allowed Theft “Common Practice” Defended, Enron Judge Protected Both Houston Courthouse and DOJ Systematic, Fifth Circuit Protected DOJ, Appellate Attorney ignored Merit of Assured Supreme Court Victory that Promised Numerous Damage Awards, by seeking and Crediting Skewed Trial Attorney Misinformation.





1. Sued Washington Mutual for Damage, after forcing Formal Admittance Statement that through Loan Transfer Principal and Escrow were reduced. Equating {2001 “Principal Curtailment” Breach of DEED 180 Month Term Commitment $778.34} and {2001 “Escrow Curtailment” Anti-trust $637.22} Loan Manager Coveted the Pertaining Loan History, holding Loan Hostage for Lender Arrear Error of Twelve Escrow Shortage Payments amounting $103.34 that Started April, 2002 ten Months into Current Paid-up Loan, Credit Report Damage Blocked outside Refinance.


1A. Refinance Block forced Bankruptcy, Loan History was Coveted from Attorneys until released Stay {$1,415.56 missing for 48 Months} By Closing Loan, History Transferred to Archive’ Department Teller unlocked, revealing both the Coveted Bank One “Principal Curtailment” Abandonment of December, 2001 and Homeside Lending Erroneous attempt at “Curtailment” reversal that Admitted Erroneous Misapplication of Escrow November, 2001.


1B. Proof Relates Both Lenders Credited November 2001 and Abandoned December 2001. Bank One and Homeside Lending Refused Bank One Loan History, and Loan Manager Protection of Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating All Loan History’s to start 11/28/2001 absent of the “Escrow Curtailment” Reduction.


1C. First 27 Days of Loan History Concealed, both “Curtailments” requiring Lender in 2001 to report Escrow Reduction on Form 1098 Taxable and Falsified Credit Report. Fearing exposure Loan History was protected until release of Stay Day when Archive responded by E-Mail supplying Loan History, their Fault Admittance Statement followed.


1D. ({“Point Counter Point”}) Loan History Abandoned December of all Credit and November “Escrow Curtailment” needed Additional $131.12 if it was to Reverse “Principal Curtailment” Damage, Lender Statement Detailed “Erroneous” Escrow “Misapplication” Escrow Shortage Increased Payment Demand for Twelve Months by $103.34, but Lender Attorney Claims November 11/10 not 11/28 Escrow Reduction Paid December?


1E. Meager $1,000.00 Award for ignored RESPA request was Timely Appealed, because Attorney’s Proof of Claim” was ignored, Attorney RESPA request was ignored {ruled inadmissible} and ignoring My Lay-person RESPA request that included ignoring the Better Business Bureau {Washington Mutual Chair expelled} Release of Stay was achieved, Archive’ Department halted Progression.
Funds Lost, Damage Award and Costs Appeal was Preparation for related Substance seeking Constitutional Justice of and including, First Attorney’s Systematic Drain of Both Bankruptcy Trustee Account Charges and Rav4 Bankruptcy Account Charges that began by advancement of Principal Term Commitment to Drain Rav4 San Antonio Credit Union Auto Loan.

1F. Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment, December 2007’ Washington Mutual returned $7,515.98 Loan Payment, Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, picking Damage with willingness, forfeiting Accountability and Address, Rushing Foreclosure 5/6/08 seeks Dismissal out of Hand.

1G.Foremost Credit Report Notation of Bankruptcy’s “Faults Blame” notation on Loans Credit Report, equates.

1H. Demanding Credit for Payments made at Bankruptcy Conformation Hearing, Judge Ordered Attorney to File “Proof of Claim” on the recorded record. Judge required and accepted My Signature but Stayed Conformation for 60 Days, Ignoring Judge, Attorney Quit all Houston Caseload.

2. Defendant was colluded from Washington Mutual to former entity Homeside Lending under Seal, later reversed for Damage Award Payment.

2A. Attorney’s ignored Certified Mail RESPA “qualified written request” was Inadmissible.

2B. At Pretrial Hearing unknown Surrogate Attorney appeared to Defend, stating Case was just dropped in Lap without Time for review, or Proper Court paperwork. Judge threatened Dismissal, Ordering Attorney’s Appearance to Defend Three Day Core Adversary Hearing.

2C. Washington Mutual Halfheartedly offered Arbitration if Costs were split, before Second Pretrial Hearing, wanting preferred Arbitrator, not being a College consideration passed.


3. Washington Mutual Trial Arguments related to Line-item Challenge of Washington Mutual Fault Admittance Statement that was evidenced, countering self by newfound Date Augmentation, excusing Accountable reasoning with Assorted Derelict Avoidances of Law.

3A. Judgment accepted Lender Defense of “Principal Curtailment” claiming “Common Practice” relating to Breach of DEED Commitments, highlighted damage, Precedent.


3B. Judgment accepted Lender Defense of Erroneous Escrow reduction claiming “Common Practice” Argued Funds reduced in November for December Payment, Argued Taxes increased Loan Payments, Argued “Principal Curtailment” reduced Loans overall Interest despite reduction of 180 Term Commitment, Argued {48 Month} “Concealed Prepayment” was not a “Curtailment” but was a Prepayment, Argued Escrow was reduced on 11/28 not 11/10, Argued April ISF Check corrected in May, Paid, April {belittlement} In Attorney Cross Lender Admitted “Curtailments” created the Escrow Shortage Demand that started in April, Admitted Large May Payment made Loan 100% Current including Damages before June 2002 and Admitted before April 2002 all Payments were respectfully Paid before Due.


3C. Judgment accepted Lender Testimony that Escrow Surplus return from Escrow already in arrears was unexplainable, root stem relates to Choice of intentional Damage Doubling, relative to Loan Payment Investigation Teams requirement of Canceled Check Front and Back sent in November 2001, Damages Stemmed from Closed Faulty Investigation Report that resulted in unknown Tax Payment responsibility Escrow Damage, Teams final Conclusion Dated Escrow reduction of 11/10 suspended to 11/28 but missed the Fact that it was Erroneous, forcing Escrow reduction to be reported on 1098 Tax Form as received Funds, and forcing December 2001 Payment History’s Shading/Blank Void report to Credit Agency, Second Time Simple Penny for Penny Swap opportunity missed.


4. Judgment ignored Core of Core Adversary Hearing Primary responsibility of Damage Awarding the DEED Stipulation Paragraph Verbatim, then Assessing Day-rate Damages for forced Bankruptcy and Skewed to ignore Published Guilt Admittance evidenced.
Precedent Clause clearly defines Prepayments requirement of Signed
Authorization, forbidding Concealment that intentionally Contractually Itemizes abuse Damage Award Amount to Protect Paperwork of DEED, independent of Escrow Abuse Damage Damages.
Importance of Paragraph Commanded notation on Judgment, but Judgment edited Substance’s Importance without Authority, by cropping off top-Half of Paragraph, in effort to revise intended meaning, by omitting forward Substance, “Quoting” only bottom half of Paragraph their Collusion Supported Curtailments.




4A. Just Eleven of the Coveted Ten Day Timeframe allowance was actually Served, to review, itemize, find, hire and Convince Appellate Attorney Versed in “Bankruptcy Appeals!” *1. Attorney that wanted Case, Questioning, own Personal Expertise, Denied Case Days before Appeal was filed. *2. Appellate Attorney’s often Co-Counsel, Office meeting Case Denial with Referral resulted in next Day Appeal. *3. Appeal Arguments were E-Mailed/Spammed to Numerous Appellate Bar Attorneys. *4. Trial concluded 100 Day’s later Home Mailbox Served Delivery, if Box was Checked that Day then Eleven Day’s from Served to Appeal minus the 5 Day RULE, Trial Attorney called many Days Later without Interest.
Fifteen Day after Judge Signed, Attorney Appealed but foolishly, Persistently, Ignored Merits Arguing Excusable Neglect. Judgment accused Predisposed to Bankruptcy aspirating Peasant’, Judge ignored Federal Bankruptcy RULE #2005 Precedent extension of 5 Day Appeal Timeframe Law, Simple U.S. SUPREME COURT DEED Paragraph Deciphering needed to Case Law, until/forcing only DEED found Borrower Protection, achieves revision.
Coveted 10 Day’s Appeal Allowance was misunderstood beforehand by Trusting Attorney assurance that 30 Day’s and not 90 Day’s was the allotted Appeal Timeframe. Conveyed in Confidence, waiting for the minute Courtroom doors opened Pretrial.


4B. Trial ended November 2005,100 Days later, 2/23/2005 Memorandum, Judgment, 2/25/2005 BNC Mailing, 2/27/2005 Appeal Served U.S. Mail Standard Mail-box Delivery if Mailbox was Checked on that Day, Appeal to extend Filed 3/10/2005, 15 Day count, 11 Day Served Count, Federal Appeal RULE #2005 regulates 5 extra Days, allowing Count 6 Day Received to Appeal and Sunday might Not Count, Rush to Dismiss failed Arithmetic Prudence or Constitutionality, Imagination offers Collusion to Covet Attorney Theft Protection or Justice’s Blind Permanence, for same or Protecting Wall Street assumption.


4C. Bankruptcy Judge Chaired from Conformation to Award Appeal is famed for Worlds largest Historic Billions of Dollars Bankruptcy Case Dismissal, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail Delivery took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Appeal being Denied Mimicked Trial Merits Ignored. Lender Mooted Judge then Judgment, only Arguing to Moot Guilt Admittance Lender Statement.


4D. Justice Circumvented the Federal Bankruptcy Court “RULE” that extends all Judge Appeal Timeframe for Five Additional Days RULE #2005. Famed Houston ENRON Judge received and Denied Second Appeal, Appeal waited for ENRON Trials Conclusion.
Fifth Circuit refused to overrule ENRON Judge, Printer never received Desired U.S. SUPREME COURT Appeal and Time expired, Merits were never exacted or explored.

4E. Thousands of Bankruptcy’s relate and Hundreds of Bankruptcy’s have resulted since because Proved Damages were Denied, Lender Accountability Reforming Day-rate Damages was Award sought, if 5/6/2008 Foreclosure receive Action, Theft becomes allowed, Case Law results that Lender Defense of DEED restricted Curtailments, Errant Escrow Reductions and Misapplications are “Common Practice” Defendable, opening the floodgate of Attorney exploitation, Theft Defended as “Common Practice” allowable.


5. On April 2002 Loan Damages created insurmountable Escrow Shortage Arrears increasing the next Twelve Monthly Payment Demand from $813.49 / $812.28 to $915.83 effecting accountability, $8,000.00 new Credit Card Home Improvement Balance reached 30% interest exactly and instantly relating.

5A. Priority became Credit Card over Home Loan seeking outside Refinance of $100,000.00 for 25 Years to install Rental Home on Lot was Goal, Original Planned Goal of Home Reconstruction inside Work was achieved 9/02 ready to extend Longer Terms by Refinancing for Rental Trailer house and Outside Reconstruction Goal remained. Numerous Refinance attempts achieved sudden Quick Denial, November, 2002 after Home Inspection Citi-Bank Reported Incomplete Loan Payment History before April 2002 needed addressed, Forced into Bankruptcy with $8,000.00 at hand, Work in Oilfield, Paid-off many Credit Cards but included Auto Loan expecting resolve with Attorney Assistance, needing only Loan History.

5B. Credit Report Damage of December, 2001 Shaded Box Void/Blank entry Blocked outside Refinance to force Bankruptcy, then Bankruptcy Attorney was denied “Proof of Claim” {Judge ordered at Conformation Hearing, Staying Conformation 60 Day’s} included Bankruptcy Attorney’s RESPA “qualified written request” that was also being ignored, again Payments were halted for Court appearance to Demand Credit for Check Payments, Judge and Attorney missed Attending Release of Stay Hearing 09/02/2005.


5C. 9/05 Bankruptcy Trustee was Chairing / Ruling all Proceedings and Release’s of Stay for absent Judge that Busy Day {related need for Core Adversary option} Trustee Stayed Release of Stay for 30 Days Ordering Attorney’s Presence on 10/04/2005.
Trustee on 10/05 Conversed or Ordered, Attorney File Core Adversary Hearing, at that same timeframe, My Lay-person RESPA “Qualified Written Request” crafted was being ignored, Better Business Bureau assisted and Expelled Washington Mutual Chief Arbitrator Chair with Three Year Suspension for being ignored.

5D. RESPA “qualified written request” is simply a request to open Loan Discovery by itemization of Questions. Construction of request follows a formula and Lender is Time-line required to first admit receiving, second form reply and Third reach resolve.

5E. Attorney Formally Back-dated RESPA Request to expire the Time-line allowance when Posting and it Predated our first meeting, understanding’, relates to Judge’s refusal to allow into evidence, confusion relates to Attorney Award and Justice denied, compounded Damage is, Justice Denied harbors Protecting Attorney Malpractice’s of the First Attorney’s Theft that Second Attorney Protected, Yes; Attorney Deserves Pay for Work, Independently of Malpractice Goal against Attorney’s Insurance/Bonds that assuredly relates Out-of Court Settlement Awards and License’s but Judge’s Judgment and Appeal refusal Stands restrictive of Jurisprudence, Prejudices sometimes avoid defined Identifiable reasoning’s.

6. Trustee at Hearing on 10/04/2005 Conversed or Ordered Attorney to File Core Adversary, and later Attorney repeatedly related, Intent to File Core Adversary Hearing was Progressing up to the 12/15/2005 Release of Stay and Core Adversary received No Action before 12/17/2005. Payment Arrears were not sent awaiting Judicator notice of filing, expecting Loan History exam, Discovery, Proof of Forced Bankruptcy exposure.

6A. Homeside Lending Loan Manager became’ Washington Mutual Loan Manager.

6B. Loan Manager Protecting Loan History released Bankruptcy Stay, on 12/15/2005.

6C. Loan Manager’s 48 Months of Loan History Protection was Unlocked to Washington Mutual Archive’ Department after Released Stay, on a whim and Prayer Archive’ was called.
6D. Washington Mutual Loan Archive’ Department E-Mailed Loan History on 12/15/2005.
Washington Mutual was Informed to explain, discrepancies on 12/16/2005.
Bank One “Principal Curtailment” and Loan Manager’s Escrow reduction became Evidence.

6E. Washington Mutual claimed My Ignored RESPA request was on File.

6F. Washington Mutual claimed to have Never received Attorney RESPA Request, Faxed Attorney RESPA Request to Washington Mutual Archive’ 12/16/2005.

6G. Attorney Office Meeting after 12/17/2005 for Legal Process, Core Adversary intent with Court unfiled, Loan History was reviewed with Attorney Lender Telephone Communications.

6H. Washington Mutual Admitted Both Lenders Damaged Loan, with Formal Written Document of Lender Damage Itemization.

6I. Received in Mail Court’s Core Adversary notice of Filing, Dated Filed on 12/15/2005.

7. 48 Months of Loan History Protection forced Loan Manager to rush release of Stay on 12/15/2005 to avoid “Suspended” Core Adversary Hearings Filing, but on the same Day, Washington Mutual Archive’ Department E-mailed Coveted Loan History that Self Evidenced Missing Payment direction Detail, inherently revealing Escrow and Loan Damage.

7A. Washington Mutual was forced into written admittance, Loan Damage Assessment Statement that exacted, Bank One Misapplied Payment calling it “Principal Curtailment” {Curtailment = Lop-off liken-to Horse’s Tail!} Revealing Lender Despising Lender that Compromise’s All Accountability’s, explaining the Spite, Words “Escrow Curtailment” Draw’s.

7B. Washington Mutual written admittance exacted Loan Manager Errantly Misapplied Escrow attempting to reverse “Principal Curtailment” then Argued in Court opposition claiming November 2001 Escrow reduction was Intended anticipating needed December, 2001 Payment, all Payment Date Augmentation and Conflicts in History were Dispelled’ with Evidenced Proof, Lender was restricted to Defend “Principal Curtailment” and “Escrow Misapplication” offering only “Common Practice’s” and a don’t know why!

7C. Coveting was preformed to protect Lender from Contractual Damage expenses of $10,286.25 in trade falsified Credit Report to force Bankruptcy, ignorant of simple Penny for Penny exchange in 2001 to reverse Damage.

8. 80 Month’s Ago’ Loan Transferred 11/01/2001, Lender Denied Payment Credit of $778.34 for “Principal Curtailment” and Lender Denied Payment Credit of $637.22 for “Escrow Curtailment” recorded on First real-time Payment Breakdown Statement of 11/10/2001 {Lender Investigation Team required Canceled Check Front/Back Proof of Payment early 11/2001 and incorrectly reported resolve around 11/28/2001} equaling Loan Payments of $1,415.56 missing Credit to Date.

8A. Loan History that was Coveted to Protect Breach of DEED Contractual Damage expenses of $10.286.25, was followed by Errant Escrow reduction, that forced False Credit Report to Protect Lender from Both “Curtailments” forcing Voluntary Bankruptcy, now 80 Months without Payment Credit.

8B. Bank One N.A. Breach of DEED for $10,286.25 Damage became Contractually Transferred on 11/01/2001 to Homeside Lending with $1,289.85 Escrow Funds.
On 11/28/2001 Loan Manager Erroneously reduced Escrow attempting Damage reversal.
On 12/10/2001 County Tax Payment $1,168.26 created Escrow Shortage, amounting to $-515.63, Second simple Penny for Penny exchange reversal opportunity missed.
On 12/12/2001 Escrow Surplus of $336.23 increased Shortage amounting to $-851.86.
Escrow Reduction of 11/28/2001 was Reported received funds on 1098 Tax Form.

8C. December 2001 was Void of Payment on all received Loan Histories “Then and Now.”
On after 1/1/02 Homeside Lending received first Payment, 11/28 to 12/12 = Loan Damage!

9. December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also was reported to Fourth Independent’ in-House’ Credit Report Agency {Named in Testimony} that Supply’s the Three respected Credit Reporting Agency’s.




9A. Both Bank One and Loan Manager repeatedly refused Production of Loan Payment History’s relating to Escrow Shortage in 2001, 2002. Denying Attorney’s up to 12/16/2005.

9B. Denying Bank One History accomplished, “Principal Curtailment” Protection.

9C. Denied Homeside Lending Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating Loan History to start 11/28/2001 absent of the Escrow Reduction.

9D. Bank One’ sent Account Closed Statement, claiming $812.48 Payments were $920.78.

9E. Lender Posted Escrow Reduction Statement on 11/10/2001.

9F. Lender Investigated Bank One Payment by Requiring Front/Back Canceled Cheek Proof for Investigation Team {2001 was “Paid in Full”} 11/28 relate Date Investigation Concluded?

9G. Requested received Payment History early 2002 began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”

9H. Requested received Payment History April 15, 2002, began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”

9I. Lender Demanded All Escrow Shortage, be made Current before further Account Review, or Payment History updating.

9J. Twelve Escrow Shortage Payments of $103.34 increased Payment Demand from $813.49 / $812.48 to $915.83, Started on April 2002 and Check did ISF.


10. Bank One accepts Payment then Mails Statement with one Coupon, December Coupon was Paid, Lender Paid $34.14 December PMI, then Breached DEED Commitment Contracted, Applying then Reversing December 2001 Payment to Pay Principal only, before Transferring Loan, called “Principal Curtailment” Homeside Lending received $1,289.85 Escrow with Loan on 11/1/2001. Absent of Loan Commitment Information Requiring Escrow to Pay 2001 County Tax.



10A. Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page Lender Signed, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment specifying instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, separating a Prepayment from Coveted Curtailment to Contractually support the 180 Month Term Commitment DEED Paperwork, $12,291.54 – Outside Costs = $10,286.25 Commitment Damage.


10B. Fourteen Day Damage from 11/28/2001 to 12/12/2001 resulted from intent to Conceal “Principal Curtailment” Damage of $10,286.25 Justifying Interest Due Today.


10C. Loan Manager’s “Escrow Curtailment” Relates from Day Loan Transferred, forced Bankruptcy and Rushed Release of Stay, Damage Justifies Tenfold Accountability counting Interest and Damages to Allow Attorney Theft Suit, Attorney Malpractice Suit {assure Out of Court Settlement’s} and San Antonio Credit Union Damage is simply New Rav4 Settlement.


11. Attempting to reverse “Principal Curtailment,” Lender inadvertently reduced Escrow from $1,289.85 to $652.63 according to Real-time Loan Statements Itemization on 11/10/2001 not on 11/28/2001 as Argued.


11A. Requested Proof of Canceled Check Payment was sent to Lender before 11/28/2001 Pretrial Discovery Question relating to that Investigations’ Timeframe, and it’s results both repeated and ignored, Argument that Escrow reduction was on 11/28/2001 Flounders, Argument it Paid December Flounders, and Stands Disputing Washington Mutual Admittance Statement, but that requires Diligent Securitization of Verbatim the avoided Discovery Question’s intended to simplify everyone’s understanding, Escrow was Reduced.


11B. Washington Mutual’s Loan Damage Acknowledgement Report exacted Bank One Action a “Principal Curtailment” and exacted Homeside Lending Errant Escrow reduction a Misapplication, reducing Escrow is damage, Errant is a wrong, Misapplication is a mistake.

11C. Errant “Principal Curtailment reversal attempt, applied funds to Month Bank One already Credited allowing 11/2001 to be Credited by Both Lenders, because December is absent of Documented Credit, Repeatedly! Applications Location Discovery required Accountability! Reduced Escrow Concealed’ from Loan History’ for 48 Month’s’, by Definition is “Escrow Curtailment.”

11D. County Tax payment of $1,168.26 on 12/10/2001 created Escrow Shortage, amounting to $-515.63 so Loan Manager Posted Escrow Surplus return 12/12/2001 of $336.23 to increase Escrow arrears, amounting to $-851.86.


12. Homeside Lending Loan Manager’s Coveting of the Bank One 2001 “Principal Curtailment” was complicated by the Erroneous Escrow Reduction that became intent to deceive lasting for 48 Months to protected Contractual Damage expenses of $10,286.25 in trade for forcing My Bankruptcy, now 80 Months without Payment Credit.

12A. Homeside Lending’s failed attempt at Damage reversals deduction of Funds from Escrow was admitted by Washington Mutual, Erroneously Misapplied.

12B. Washington Mutual acquired Homeside Lending and the Loan Manager that Testified for Washington Mutual’s Attorney being Sued, Loan Manager was reduced to Arguing’ the ”Bank One N.A. “Principal Curtailment” was “Common Practice” Defendable.

12C. Loan Manager was reduced to Arguing’ the Homeside Lending inadvertent Escrow Reduction was “Common Practice” Defendable, despite ruining Credit Report, Falsifying 1098 Tax Form, Forcing Bankruptcy, Releasing Stay, Arguments were all Moot because Washington Mutual accepted Faults Blame in Written Statement of Bank One “Principal Curtailment” and Homeside Lending Erroneous “Escrow Reduction.”

12D. Loan Manager was reduced to Arguing’ the Escrow Surplus return from Account in Shortage was beyond Testimony Explanation, actuality it was Damage Doubling in Nature.

12E. Bank One did Report 2001 Tax Form 1098! Homeside Lending Reported 2001 Tax Form 1098 claiming Escrow Reduction Funds as Received Funds, following Loan Transfer First Payment was in 2002, Exampling boundless Dismissing mindset forsaking Bankruptcy.



13. December 2001 was Void of Payment on all received Loan Histories “Then and Now” December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also were reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.

13A. Demanding on the Recorded Record, Credit for Payments made, Judge at Bankruptcy Conformation Hearing, Ordered Attorney to File “Proof of Claim” Trustee and Lender were Chaired {Judge Required Paperwork Signed or Foreclosure} Sixty Day “Stay” of Conformation Resulted for Canceled Check Dispute resolution.


13B. Lender Chaired Hearing to expect History request and either refused to reply or Attorney Ignored Judge Order requirement of “Proof of Claim” but Time Expired, Attorney said on Phone that he was/is Quitting, Months Later Large Credit Union Check Posted to make Account Current, Auto Loan {Rav4} Arrears Paid in Full before New Attorney Hired.

13C. Later Attorney sent New Letter-headed San Antonio Credit Union Payment Coupon Book that had Additional Principal and Coupons, Stating he Quit and Suggested Attorney.

13D. March 15, 2004 “I am Referring all My Clients Letter” from Attorney, Notating enclosed New Payment Coupon Book for Rav4. New Attorney, RESPA Request Date 2/12/2005 before our First Meeting, Date on RESPA Request related Lender Damage’s for being ignored from backdating Action, if it was ever Posted, Attorney Claims sent by Certified Mail.

13E. Attorney Quit, including sending bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired, later found out he Charged an additional $1,200.00 to My Bankruptcy Trustee as a Wanton Disregarding parting Gift.


14. Instantly New Attorney sent Homeside Lending Certified mail RESPA “qualified written request” with Guidance Attorney’s Legal Secretary Helped with Rav4 Credit Union New Term Commitment additional Principal, Payment Coupon Book former Attorney Devised.


14A. San Antonio Credit Union Denied Adjusting Terms Principal or sending New Coupon Book that had acquired Three Additional Months.
Attorney’s Legal Secretary was Arbitrating {I Shut-up and Listen Great but Jump Topics with Excitement when Talking/Arguing} Legal Secretary was used to eliminate that problem beforehand.
Coupon Books at Hand and unresolved because Credit Union was Denying its Existence, Loan Payoff Schedule was requested and received,
Two Additional Months were Added to the Attorneys’ Three Months creating Loans Demand of Principal without Accounting Interest that was Larger than Original Loan’s Principal Financed, again resolve was Denied, Current on Rav4 Loan, Fighting Home Loan, anticipating RESPA Response, told Credit Union to expect No more Payments, will properly clean before Repossession Day, awaiting RESPA Response lasted past Rav4 Repossession, Attorney was being indifferent about Rav4.


14B. Trustee reported itemized Deficiency Amendment of $2,526.87 to Rav4 without Accountability Charged by First or Second Attorney before Repossessed and of course again After Repossession about $2,500.00 Amendment Charged. Trustee Clerk Stated all Amendment Charges Paid without Question, again “Common Practice.”


14C. Seven Months later with Loan History Denied {E-Mailed to Federal Regulators & Assumed Regulators that Lender fails to respond to Attorneys RESPA Request, fair assumption’s Review was Forced and Privileged ignored by Lender} Payments were Suspended for Audience with Bankruptcy Court resolution, Attorney and Judge failed to attend release of Stay hearing, Bankruptcy Trustee was Ruling Release of Stays for Judge, Release of Stay was Suspended, Trustee required Attorney attendance 30 days later.


14D. Briefly First Attorney failed Judge “Proof of Claim” Order and overcharged Trustee’s Bankruptcy Fee’s, Raided Rav4 Bankruptcy Account and Raided Rav4 Credit Union Account before Credit Union Raided Rav4 Account.
Second Attorney Protected to Malpractice RESPA, Failed to Attend Hearing, Claimed intent to file Core Adversary, but allowed release of Stay, sent Substituted Attorney to Court failing to Attend Hearing and Misdirected Appellate Attorney with Confusion.




14E. Ignored Attorney RESPA request was used to format “My layperson” RESPA “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual, it was Ignored, request Sent Certified Mail to Bank One, Bankruptcy Trustee and Washington Mutual, was also Posted regular Mail to Homeside Lending, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau and more including California Attorney General that Promised Active Silent Case Review, but Lender moved to Nevada, not Seattle, Request was E-Mailed to RESPA, Hud, U.S.A.G. Bush and Blair were at Ranch, Sent to Blair, Tony Snow and more.

15. Better Business Bureau was being Ignored and reported no response from Washington Mutual, I challenged their Existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day 12/15/2005 Pretrial, itemizing the Curtailments, Washington Mutual Admittance of Fault called for Court Action.

16. Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail RESPA “qualified written request” {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!
16A. Week before Three Day Core Adversary Hearing was Pretrial Hearing, unknown Surrogate Attorney arrived to Defend stating Case Dropped in Lap without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days, Threatening to Dismiss unless Attorney attended to Defend, fear of voicing any Objection Resulted.
16B. Judge Allowed ignored RESPA request to received the only damage Judgment $1,000.00 {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date, Also recorded in Testimony Ignored {Blank} Discovery Questions.
16C. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Six Days received Twelve Days after Judge Signed Award Judgment Appeal was filed, and Denied.

16D. “RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.

17 New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Case History reviewed, shared in Office, spent on Phone and E-Mailed, Trial Bankruptcy Attorney Name on Appeal remained, Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.

17A. Second Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or DOJ Broke Problem reasoning!
Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!

17B. Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary then time expired.

18. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September 2002, Mid 2002 Priority became Credit Card balance over Loan Payment {History was Denied to Address Escrow Arrear Demand from Loan with Current on-time Payments, Lender Failed Accountability and refused Bank One Loan History, then Credit Report Blocked outside Refinance} $8,000.00 Credit Card % increased from around 5% to 20% to 30% April May 2001, Bankrupted! Day Rate damages, was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment.

19. December 2007’ Washington Mutual returned $7,515.98 of Loan Payments, by Trustee Opening and Reclosing Bankruptcy to Transfer Payment, Mooting Judgment with Fault Admittance, skirting Commitment Damages, keeping Curtailments, Foremost Credit Report Notation of Faults Blame notation on Loans Credit Report equates. Theft reaches Tuition by Foreclosure, as does “Common Practice” Case Law Defense.

Deep Inside the Subprime Crisis

Richard Pollak [e-mail] Alvin Texas 77511 Born 09/17 Constitution Day, “We Hold These Truths to Be Self Evident!” Justice Denied because Damage simply relates International Commerce’s permission that Payments Deserve Credit, Affronted Authority Squanders Laws Subservient by emboldening forsakenly.

Standard 6.5 Fixed 180 Month Loan Closed on May, 2001 for $77,000.00, $60,000.00 Available Credit Card Credit “0” Due, Loan Originator received all 2001 Coupon Payments, then Transferred Loan, and First Three 2002 Payments were Also on-time Current.
Payments Lost in 2001 Created Escrow Shortage, Felonious Credit Report Blocked Outside Refinance, Bankruptcy was Forced, Payment History was Denied, Stay was released and Lender Supplied 48 Month Coveted Loan History same Day, Lender Admitted Faults, Sued Lender, Appealed Judgment Award {10 Day to Appeal was Coveted} “on Time by RULE #2005” Appeal Denied for Time expired {15 Day on 11 Day Served, -5 Day RULE, 6 Day Allowed – Sunday’s?} Appeal Denied Five Times, Lender Returns $7,515.25 Mooting Judgment, Threatening Foreclosure 05/06/2008 to “Case Law” Theft “Common Practice” Blanketing Defendable.

Foreclosure offers Different Protections from Justice relating Financial Accountability to the Following; Homeside Lending is/or/and Washington Mutual, First Bankruptcy Attorney, Second Bankruptcy Attorney, Bankruptcy Trustee and San Antonio Credit Union all Misdirected Funds, Dismissing Accountability.
Foreclosure Relates to the Following; Bank One Transferred Account with intentional Damage, Judge allowed Theft “Common Practice” Defended, Enron Judge Protected Both Houston Courthouse and DOJ Systematic, Fifth Circuit Protected DOJ, Appellate Attorney ignored Merit of Assured Supreme Court Victory that Promised Numerous Damage Awards, by seeking and Crediting Skewed Trial Attorney information.

1. Sued Washington Mutual for Damages after forcing their Admittance that Both Lender’s Damaged Loan. {$1,415.56 was misapplied} Discovery took from November 2001 to Release of Stay Day 12/15/2005. Homeside Lending Protected, for 48 Months {Loan Originator “Principal Curtailments” and their “Escrow Curtailment” by Coveting All First 27 Day’s of Loan after Transfer’s History} allowing intended release of Stay to advance. Action was Suspended by Fault Admittance on Day’s following release of Stay.
1A. Meager $1,000.00 Award for ignored RESPA request was Appeal, because Attorney’s Proof of Claim” was ignored, Attorney RESPA request was ignored {ruled inadmissible} and by ignoring My Lay-person RESPA request, including ignoring the Better Business Bureau, Release of Stay achieved Progress.
Funds Lost, Damage Awarding and Costs was Appealed, relating all the Substance that was seeking Constitutional Justice, including First Attorney Draining Both Bankruptcy Trustee Account and San Antonio Credit Union Auto Rav4 Loan by advancement of Principal Term Commitment to Drain Account.
1B. Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment, December 2007’ Washington Mutual returned $7,515.98 Loan Payment, Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, picking Damage with willingness, forfeiting Accountability and Address, Rushing Foreclosure 5/6/08 seeks Dismissal out of Hand.
1C.Foremost Credit Report Notation of Bankruptcy’s “Faults Blame” notation on Loans Credit Report, equates.
1D. Demanding Credit for Payments made at Bankruptcy Conformation Hearing, Judge Ordered Attorney to File “Proof of Claim” on the recorded record. Judge required and accepted My Signature but Stayed Conformation for 60 Days, Ignoring Judge, Attorney Quit all Houston Caseload.

2. Defendant was colluded from Washington Mutual to former entity Homeside Lending under Seal, later reversed for Damage Award Payment.
2A. Attorney’s ignored Certified Mail RESPA “qualified written request” was Inadmissible.
2B. At Pretrial Hearing unknown Surrogate Attorney appeared to Defend, stating Case was just dropped in Lap without Time for review, or Proper Court paperwork. Judge threatened Dismissal, Ordering Attorney’s Appearance to Defend Three Day Core Adversary Hearing.
2C. Washington Mutual Halfheartedly offered Arbitration if Costs were split, before Second Pretrial Hearing, wanting preferred Arbitrator, not being a College consideration passed.

3. Washington Mutual Trial Arguments related to Line-item Challenge of Washington Mutual Fault Admittance Statement that was evidenced, countering self by newfound Date Augmentation, excusing Accountable reasoning with Assorted Derelict Avoidances of Law.
3A. Judgment accepted Lender Defense of “Principal Curtailment” claiming “Common Practice” relating to Breach of DEED Commitments, highlighted damage, Precedent.
3B. Judgment accepted Lender Defense of Erroneous Escrow reduction claiming “Common Practice” Argued Funds reduced in November for December Payment, Argued Taxes increased Loan Payments, Argued “Principal Curtailment” reduced Loans overall Interest despite reduction of 180 Term Commitment, Argued {48 Month} “Concealed Prepayment” was not a “Curtailment” but was a Prepayment, Argued Escrow was reduced on 11/28 not 11/10, Argued April ISF Check corrected in May, Paid, April {belittlement} In Attorney Cross Lender Admitted “Curtailments” created the Escrow Shortage Demand that started in April, Admitted Large May Payment made Loan 100% Current including Damages before June 2002 and Admitted before April 2002 all Payments were respectfully Paid before Due.
3C. Judgment accepted Lender Testimony that Escrow Surplus return from Escrow already in arrears was unexplainable, root stem relates to Choice of intentional Damage Doubling, relative to Loan Payment Investigation Teams requirement of Canceled Check Front and Back sent in November 2001, Damages Stemmed from Closed Faulty Investigation Report that resulted in unknown Tax Payment responsibility Escrow Damage, Teams final Conclusion Dated Escrow reduction of 11/10 suspended to 11/28 but missed the Fact that it was Erroneous, forcing Escrow reduction to be reported on 1098 Tax Form as received Funds, and forcing December 2001 Payment History’s Shading/Blank Void report to Credit Agency, Second Time Simple Penny for Penny Swap opportunity missed.

4. Judgment ignored Core of Core Adversary Hearing Primary responsibility of Damage Awarding the DEED Stipulation Paragraph Verbatim, then Assessing Day-rate Damages for forced Bankruptcy and Skewed to ignore Published Guilt Admittance evidenced.
Precedent Clause clearly defines Prepayments requirement of Signed Authorization forbidding Concealment that intentionally Contractually Itemizes abuse Damage Award Amount to Protect Paperwork of DEED, independent of Escrow Abuse Damage Damages.
Importance of Paragraph Commanded notation on Judgment, but Judgment edited Substance’s Importance without Authority, by cropping off top Half of Paragraph, in effort to revise intended meaning, by omitting forward Substance, “Quoting” only bottom half of Paragraph their Collusion Supported Curtailments.
4A. Just Eleven of the Coveted Ten Day Timeframe allowance was actually Served, to review, itemize, find, hire and Convince Appellate Attorney Versed in “Bankruptcy Appeals!” *1. Attorney that wanted Case, Questioning own Personal Expertise, Denied Case Days before Appeal was filed. *2. Appellate Attorney’s often Co-Counsel, Office meeting Case Denial with Referral resulted in next Day Appeal. *3. Appeal Arguments were E-Mailed/Spammed to Numerous Appellate Bar Attorneys. *4. Trial concluded 100 Day’s later Home Mailbox Served Delivery, if Box was Checked that Day then Eleven Day’s from Served to Appeal minus the 5 Day RULE, Trial Attorney called many Days Later without Interest.
Fifteen Day after Judge Signed, Attorney Appealed but foolishly, Persistently, Ignored Merits Arguing Excusable Neglect. Judgment accused Predisposed to Bankruptcy aspirating Peasant’, Judge ignored Federal Bankruptcy RULE #2005 Precedent extension of 5 Day Appeal Timeframe Law, Simple U.S. SUPREME COURT DEED Paragraph Deciphering needed to Case Law, until/forcing only DEED found Borrower Protection, achieves revision.
Coveted 10 Day’s Appeal Allowance was misunderstood beforehand by Trusting Attorney assurance that 30 Day’s and not 90 Day’s was the allotted Appeal Timeframe. Conveyed in Confidence, waiting for the minute Courtroom doors opened Pretrial.
4B. Trial ended November 2005,100 Days later, 2/23/2005 Memorandum, Judgment, 2/25/2005 BNC Mailing, 2/27/2005 Appeal Served U.S. Mail Standard Mail-box Delivery if Mailbox was Checked on that Day, Appeal to extend Filed 3/10/2005, 15 Day count, 11 Day Served Count, Federal Appeal RULE #2005 regulates 5 extra Days, allowing Count 6 Day Received to Appeal and Sunday might Not Count, Rush to Dismiss failed Arithmetic Prudence or Constitutionality, Imagination offers Collusion to Covet Attorney Theft Protection or Justice’s Blind Permanence, for same or Protecting Wall Street assumption.
4C. Bankruptcy Judge Chaired from Conformation to Award Appeal is famed for Worlds largest Historic Billions of Dollars Bankruptcy Case Dismissal, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail Delivery took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Appeal being Denied Mimicked Trial Merits Ignored. Lender Mooted Judge then Judgment, only Arguing to Moot Guilt Admittance Lender Statement.
4D. Justice Circumvented the Federal Bankruptcy Court “RULE” that extends all Judge Appeal Timeframe for Five Additional Days RULE #2005. Famed Houston ENRON Judge received and Denied Second Appeal, Appeal waited for ENRON Trials Conclusion.
Fifth Circuit refused to overrule ENRON Judge, Printer never received Desired U.S. SUPREME COURT Appeal and Time expired, Merits were never exacted or explored.
4E. Thousands of Bankruptcy’s relate and Hundreds of Bankruptcy’s have resulted since because Proved Damages were Denied, Lender Accountability Reforming Day-rate Damages was Award sought, if 5/6/2008 Foreclosure receive Action, Theft becomes allowed, Case Law results that Lender Defense of DEED restricted Curtailments, Errant Escrow Reductions and Misapplications are “Common Practice” Defendable, opening the floodgate of Attorney exploitation, Theft Defended as “Common Practice” allowable.

5. On April 2002 Loan Damages created insurmountable Escrow Shortage Arrears increasing the next Twelve Monthly Payment Demand from $813.49 / $812.28 to $915.83 effecting accountability, $8,000.00 new Credit Card Home Improvement Balance reached 30% interest exactly and instantly relating.
5A. Priority became Credit Card over Home Loan seeking outside Refinance of $100,000.00 for 25 Years to install Rental Home on Lot was Goal, Original Planned Goal of Home Reconstruction inside Work was achieved 9/02 ready to extend Longer Terms by Refinancing for Rental Trailer house and Outside Reconstruction Goal remained. Numerous Refinance attempts achieved sudden Quick Denial, November, 2002 after Home Inspection Citi-Bank Reported Incomplete Loan Payment History before April 2002 needed addressed, Forced into Bankruptcy with $8,000.00 at hand, Work in Oilfield, Paid-off many Credit Cards but included Auto Loan expecting resolve with Attorney Assistance, needing only Loan History.
5B. Credit Report Damage of December, 2001 Shaded Box Void/Blank entry Blocked outside Refinance to force Bankruptcy, then Bankruptcy Attorney was denied “Proof of Claim” {Judge ordered at Conformation Hearing, Staying Conformation 60 Day’s} included Bankruptcy Attorney’s RESPA “qualified written request” that was also being ignored, again Payments were halted for Court appearance to Demand Credit for Check Payments, Judge and Attorney missed Attending Release of Stay Hearing 09/02/2005.
5C. 9/05 Bankruptcy Trustee was Chairing / Ruling all Proceedings and Release’s of Stay for absent Judge that Busy Day {related need for Core Adversary option} Trustee Stayed Release of Stay for 30 Days Ordering Attorney’s Presence on 10/04/2005.
Trustee on 10/05 Conversed or Ordered, Attorney File Core Adversary Hearing, at that same timeframe, My Lay-person RESPA “Qualified Written Request” crafted was being ignored, Better Business Bureau assisted and Expelled Washington Mutual Chief Arbitrator Chair with Three Year Suspension for being ignored.
5D. RESPA “qualified written request” is simply a request to open Loan Discovery by itemization of Questions. Construction of request follows a formula and Lender is Time-line required to first admit receiving, second form reply and Third reach resolve.
5E. Attorney Formally Back-dated RESPA Request to expire the Time-line allowance when Posting and it Predated our first meeting, understanding’, relates to Judge’s refusal to allow into evidence, confusion relates to Attorney Award and Justice denied, compounded Damage is, Justice Denied harbors Protecting Attorney Malpractice’s of the First Attorney’s Theft that Second Attorney Protected, Yes; Attorney Deserves Pay for Work, Independently of Malpractice Goal against Attorney’s Insurance/Bonds that assuredly relates Out-of Court Settlement Awards and License’s but Judge’s Judgment and Appeal refusal Stands restrictive of Jurisprudence, Prejudices sometimes avoid defined Identifiable reasoning’s.

6. Trustee at Hearing on 10/04/2005 Conversed or Ordered Attorney to File Core Adversary, and later Attorney repeatedly related, Intent to File Core Adversary Hearing was Progressing up to the 12/15/2005 Release of Stay and Core Adversary received No Action before 12/17/2005. Payment Arrears were not sent awaiting Judicator notice of filing, expecting Loan History exam, Discovery, Proof of Forced Bankruptcy exposure.
6A. Homeside Lending Loan Manager became’ Washington Mutual Loan Manager.
6B. Loan Manager Protecting Loan History released Bankruptcy Stay, on 12/15/2005.
6C. Loan Manager’s 48 Months of Loan History Protection was Unlocked to Washington Mutual Archive’ Department after Released Stay, on a whim and Prayer Archive’ was called.
6D. Washington Mutual Loan Archive’ Department E-Mailed Loan History on 12/15/2005.
Washington Mutual was Informed to explain, discrepancies on 12/16/2005.
Bank One “Principal Curtailment” and Loan Manager’s Escrow reduction became Evidence.
6E. Washington Mutual claimed My Ignored RESPA request was on File.
6F. Washington Mutual claimed to have Never received Attorney RESPA Request, Faxed Attorney RESPA Request to Washington Mutual Archive’ 12/16/2005.
6G. Attorney Office Meeting after 12/17/2005 for Legal Process, Core Adversary intent with Court unfiled, Loan History was reviewed with Attorney Lender Telephone Communications.
6H. Washington Mutual Admitted Both Lenders Damaged Loan, with Formal Written Document of Lender Damage Itemization.
6I. Received in Mail Court’s Core Adversary notice of Filing, Dated Filed on 12/15/2005.

7. 48 Months of Loan History Protection forced Loan Manager to rush release of Stay on 12/15/2005 to avoid “Suspended” Core Adversary Hearings Filing, but on the same Day, Washington Mutual Archive’ Department E-mailed Coveted Loan History that Self Evidenced Missing Payment direction Detail, inherently revealing Escrow and Loan Damage.
7A. Washington Mutual was forced into written admittance, Loan Damage Assessment Statement that exacted, Bank One Misapplied Payment calling it “Principal Curtailment” {Curtailment = Lop-off liken-to Horse’s Tail!} Revealing Lender Despising Lender that Compromise’s All Accountability’s, explaining the Spite, Words “Escrow Curtailment” Draw’s.
7B. Washington Mutual written admittance exacted Loan Manager Errantly Misapplied Escrow attempting to reverse “Principal Curtailment” then Argued in Court opposition claiming November 2001 Escrow reduction was Intended anticipating needed December, 2001 Payment, all Payment Date Augmentation and Conflicts in History were Dispelled’ with Evidenced Proof, Lender was restricted to Defend “Principal Curtailment” and “Escrow Misapplication” offering only “Common Practice’s” and a don’t know why!
7C. Coveting was preformed to protect Lender from Contractual Damage expenses of $10,286.25 in trade falsified Credit Report to force Bankruptcy, ignorant of simple Penny for Penny exchange in 2001 to reverse Damage.

8. 80 Month’s Ago’ Loan Transferred 11/01/2001, Lender Denied Payment Credit of $778.34 for “Principal Curtailment” and Lender Denied Payment Credit of $637.22 for “Escrow Curtailment” recorded on First real-time Payment Breakdown Statement of 11/10/2001 {Lender Investigation Team required Canceled Check Front/Back Proof of Payment early 11/2001 and incorrectly reported resolve around 11/28/2001} equaling Loan Payments of $1,415.56 missing Credit to Date.
8A. Loan History that was Coveted to Protect Breach of DEED Contractual Damage expenses of $10.286.25, was followed by Errant Escrow reduction, that forced False Credit Report to Protect Lender from Both “Curtailments” forcing Voluntary Bankruptcy, now 80 Months without Payment Credit.
8B. Bank One N.A. Breach of DEED for $10,286.25 Damage became Contractually Transferred on 11/01/2001 to Homeside Lending with $1,289.85 Escrow Funds.
On 11/28/2001 Loan Manager Erroneously reduced Escrow attempting Damage reversal.
On 12/10/2001 County Tax Payment $1,168.26 created Escrow Shortage, amounting to $-515.63, Second simple Penny for Penny exchange reversal opportunity missed.
On 12/12/2001 Escrow Surplus of $336.23 increased Shortage amounting to $-851.86.
Escrow Reduction of 11/28/2001 was Reported received funds on 1098 Tax Form.
8C. December 2001 was Void of Payment on all received Loan Histories “Then and Now.”
On after 1/1/02 Homeside Lending received first Payment, 11/28 to 12/12 = Loan Damage!

9. December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also was reported to Fourth Independent’ in-House’ Credit Report Agency {Named in Testimony} that Supply’s the Three respected Credit Reporting Agency’s.
9A. Both Bank One and Loan Manager repeatedly refused Production of Loan Payment History’s relating to Escrow Shortage in 2001, 2002. Denying Attorney’s up to 12/16/2005.
9B. Denying Bank One History accomplished, “Principal Curtailment” Protection.
9C. Denied Homeside Lending Loan History was accomplished by Lender receiving Loan on 11/01/2001, Dating Loan History to start 11/28/2001 absent of the Escrow Reduction.
9D. Bank One’ sent Account Closed Statement, claiming $812.48 Payments were $920.78.
9E. Lender Posted Escrow Reduction Statement on 11/10/2001.
9F. Lender Investigated Bank One Payment by Requiring Front/Back Canceled Cheek Proof for Investigation Team {2001 was “Paid in Full”} 11/28 relate Date Investigation Concluded?
9G. Requested received Payment History early 2002 began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”
9H. Requested received Payment History April 15, 2002, began Loan History on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”
9I. Lender Demanded All Escrow Shortage, be made Current before further Account Review, or Payment History updating.
9J. Twelve Escrow Shortage Payments of $103.34 increased Payment Demand from $813.49 / $812.48 to $915.83, Started on April 2002 and Check did ISF.

10. Bank One accepts Payment then Mails Statement with one Coupon, December Coupon was Paid, Lender Paid $34.14 December PMI, then Breached DEED Commitment Contracted, Applying then Reversing December 2001 Payment to Pay Principal only, before Transferring Loan, called “Principal Curtailment” Homeside Lending received $1,289.85 Escrow with Loan on 11/1/2001. Absent of Loan Commitment Information Requiring Escrow to Pay 2001 County Tax.
10A. Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page Lender Signed, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment specifying instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, separating a Prepayment from Coveted Curtailment to Contractually support the 180 Month Term Commitment DEED Paperwork, $12,291.54 – Outside Costs = $10,286.25 Commitment Damage.
10B. Fourteen Day Damage from 11/28/2001 to 12/12/2001 resulted from intent to Conceal “Principal Curtailment” Damage of $10,286.25 Justifying Interest Due Today.
10C. Loan Manager’s “Escrow Curtailment” Relates from Day Loan Transferred, forced Bankruptcy and Rushed Release of Stay, Damage Justifies Tenfold Accountability counting Interest and Damages to Allow Attorney Theft Suit, Attorney Malpractice Suit {assure Out of Court Settlement’s} and San Antonio Credit Union Damage is simply New Rav4 Settlement.

11. Attempting to reverse “Principal Curtailment,” Lender inadvertently reduced Escrow from $1,289.85 to $652.63 according to Real-time Loan Statements Itemization on 11/10/2001 not on 11/28/2001 as Argued.
11A. Requested Proof of Canceled Check Payment was sent to Lender before 11/28/2001 Pretrial Discovery Question relating to that Investigations’ Timeframe and results was repeated and ignored, Argument that Escrow reduction was on 11/28/2001 Flounders, Argument it Paid December Flounders, and Stands Disputing Washington Mutual Admittance Statement, but that requires Diligent Securitization of Verbatim the avoided Discovery Question’s intended to simplify everyone’s understanding, Escrow was Reduced.
11B. Washington Mutual’s Loan Damage Acknowledgement Report exacted Bank One Action a “Principal Curtailment” and exacted Homeside Lending Errant Escrow reduction a Misapplication, reducing Escrow is damage, Errant is a wrong, Misapplication is a mistake.
11C. Errant “Principal Curtailment reversal attempt, applied funds to Month Bank One already Credited allowing 11/2001 to be Credited by Both Lenders because December is absent of Documented Credit, Repeatedly! Applications Location Discovery required Accountability! Reduced Escrow Concealed’ from Loan History’ for 48 Month’s’, by Definition is “Escrow Curtailment.”
11D. County Tax payment of $1,168.26 on 12/10/2001 created Escrow Shortage, amounting to $-515.63 so Loan Manager Posted Escrow Surplus return 12/12/2001 of $336.23 to increase Escrow arrears, amounting to $-851.86.

12. Homeside Lending Loan Manager’s Coveting of the Bank One 2001 “Principal Curtailment” was complicated by the Erroneous Escrow Reduction that became intent to deceive lasting for 48 Months to protected Contractual Damage expenses of $10,286.25 in trade for forcing My Bankruptcy, now 80 Months without Payment Credit.
12A. Homeside Lending’s failed attempt at Damage reversals deduction of Funds from Escrow was admitted by Washington Mutual, Erroneously Misapplied.
12B. Washington Mutual acquired Homeside Lending and the Loan Manager that Testified for Washington Mutual’s Attorney being Sued, Loan Manager was reduced to Arguing’ the ”Bank One N.A. “Principal Curtailment” was “Common Practice” Defendable.
12C. Loan Manager was reduced to Arguing’ the Homeside Lending inadvertent Escrow Reduction was “Common Practice” Defendable, despite ruining Credit Report, Falsifying 1098 Tax Form, Forcing Bankruptcy, Releasing Stay, Arguments were all Moot because Washington Mutual accepted Faults Blame in Written Statement of Bank One “Principal Curtailment” and Homeside Lending Erroneous “Escrow Reduction.”
12D. Loan Manager was reduced to Arguing’ the Escrow Surplus return from Account in Shortage was beyond Testimony Explanation, actuality it was Damage Doubling in Nature.
12E. Bank One did Report 2001 Tax Form 1098! Homeside Lending Reported 2001Tax Form 1098 claiming Escrow Reduction Funds as Received Funds, following Loan Transfer First Payment was in 2002, Exampling boundless Dismissing mindset forsaking Bankruptcy.

13. December 2001 was Void of Payment on all received Loan Histories “Then and Now” December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also were reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.
13A. Demanding on the Recorded Record, Credit for Payments made, Judge at Bankruptcy Conformation Hearing, Ordered Attorney to File “Proof of Claim” Trustee and Lender were Chaired {Judge Required Paperwork Signed or Foreclosure} Sixty Day “Stay” of Conformation Resulted for Canceled Check Dispute resolution.
13B. Lender Chaired Hearing to expect History request and either refused to reply or Attorney Ignored Judge Order requirement of “Proof of Claim” but Time Expired, Attorney said on Phone that he was/is Quitting, Months Later Large Credit Union Check Posted to make Account Current, Auto Loan {Rav4} Arrears Paid in Full before New Attorney Hired.
13C. Later Attorney sent New Letter-headed San Antonio Credit Union Payment Coupon Book that had Additional Principal and Coupons, Stating he Quit and Suggested Attorney.
13D. March 15, 2004 “I am Referring all My Clients Letter” from Attorney, Notating enclosed New Payment Coupon Book for Rav4. New Attorney, RESPA Request Date 2/12/2005 before our First Meeting, Date on RESPA Request related Lender Damage’s for being ignored from backdating Action, if it was ever Posted, Attorney Claims sent by Certified Mail.
13E. Attorney Quit, including sending bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired, later found out he Charged an additional $1,200.00 to My Bankruptcy Trustee as a parting Gift.

14. Instantly New Attorney sent Homeside Lending Certified mail RESPA “qualified written request” with Guidance Attorney’s Legal Secretary Helped with Rav4 Credit Union New Term Commitment Payment Coupon Book former Attorney Devised.
14A. San Antonio Credit Union Denied Adjusting Terms Principal or sending New Coupon Book that had Three Additional Months.
Attorney’s Legal Secretary was Arbitrating {I Shut-up and Listen Great but Jump Topics with Excitement when Talking/Arguing} Legal Secretary was used to eliminate that problem beforehand.
Coupon Books at Hand and unresolved because Credit Union was Denying its Existence, Loan Payoff Schedule was requested and received, Two Additional Months were Added to the Attorneys’ Three Months creating Loans Demand of Principal without Accounting Interest that was Larger than Original Loan’s Principal Financed, again resolve was Denied, Current on Rav4 Loan, Fighting Home Loan, anticipating RESPA Response, told Credit Union to expect No more Payments, will properly clean before Repossession Day, awaiting RESPA Response lasted past Rav4 Repossession, Attorney was being indifferent about Rav4.
14B. Trustee reported itemized Deficiency Amendment of $2,526.87 to Rav4 without Accountability Charged by First or Second Attorney before Repossessed and of course again After Repossession about $2,500.00 Amendment Charged. Trustee Clerk Stated all Amendment Charges Paid without Question, again “Common Practice.”
14C. Seven Months later with Loan History Denied {E-Mailed to Federal Regulators & Assumed Regulators that Lender fails to respond to Attorneys RESPA Request, fair assumption’s Review was Forced and Privileged ignored by Lender} Payments were Suspended for Audience with Bankruptcy Court resolution, Attorney and Judge failed to attend release of Stay hearing, Trustee required attendance 30 days later.
14D. Briefly First Attorney failed Judge “Proof of Claim” Order and overcharged Trustee’s Bankruptcy Fee’s, Raided Rav4 Bankruptcy Account and Raided Rav4 Credit Union Account before Credit Union Raided Rav4 Account.
Second Attorney Protected to Malpractice RESPA, Failed to Attend Hearing, Claimed intent to file Core Adversary, but allowed release of Stay, sent Substituted Attorney to Court failing to Attend Hearing and Misdirected Appellate Attorney with Confusion.
14E. Ignored Attorney RESPA request was used to format “My layperson” RESPA “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual, it was Ignored, request Sent Certified Mail to Bank One, Bankruptcy Trustee and Washington Mutual, was also Posted regular Mail to Homeside Lending, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau and more including California Attorney General that Promised Active Silent Case Review, but Lender moved to Nevada, not Seattle, Request was E-Mailed to RESPA, Hud, U.S.A.G. Bush and Blair were at Ranch, Sent to Blair, Tony Snow and more.

15. Better Business Bureau was being Ignored and reported no response from Washington Mutual, I challenged their Existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day 12/15/2005 Pretrial, itemizing the Curtailments, Washington Mutual Admittance of Fault called for Court Action.

16. Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail RESPA “qualified written request” {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!
16A. Week before Three Day Core Adversary Hearing was Pretrial Hearing, unknown Surrogate Attorney arrived to Defend stating Case Dropped in Lap without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days, Threatening to Dismiss unless Attorney attended to Defend, fear of voicing any Objection Resulted.
16B. Judge Allowed ignored RESPA request to received the only damage Judgment $1,000.00 {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date, Also recorded in Testimony Ignored {Blank} Discovery Questions.
16C. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Six Days received Twelve Days after Judge Signed Award Judgment Appeal was filed, and Denied.
16D. “RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.

17 New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Case History reviewed, shared in Office, spent on Phone and E-Mailed, Trial Bankruptcy Attorney Name on Appeal remained, Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.
17A. Second Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or DOJ Broke Problem reasoning!
Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!
17B. Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary then time expired.

18. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September 2002, Mid 2002 Priority became Credit Card balance over Loan Payment {History was Denied to Address Escrow Arrear Demand from Loan with Current on-time Payments, Lender Failed Accountability and refused Bank One Loan History, then Credit Report Blocked outside Refinance} $8,000.00 Credit Card % increased from around 5% to 20% to 30% April May 2001, Bankrupted! Day Rate damages, was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment.

19. December 2007’ Washington Mutual returned $7,515.98 of Loan Payments, by Trustee Opening and Reclosing Bankruptcy to Transfer Payment, Mooting Judgment with Fault Admittance, skirting Commitment Damages, keeping Curtailments, Foremost Credit Report Notation of Faults Blame notation on Loans Credit Report equates. Theft reaches Tuition by Foreclosure, as does “Common Practice” Case Law Defense.

Fannie May Just Be Worth the Risk

Richard Pollak [e-mail] Alvin Texas 77511 Born 09/17 Constitution Day, “We Hold These Truths to Be Self Evident!” All Justice Denied because Damage simply relates International Commerce’s permission that Payments Deserve Credit, Affronted Authority places Laws Subservient by emboldening forsakenly.

Standard 6.5 Fixed 180 Month Loan Closed on May, 2001 for $77,000.00, $60,000.00 Available Credit Card Credit “0” Due, Loan Originator received all 2001 Coupon Payments, then Transferred Loan, and First Three 2002 Payments were Also on-time Current.
Payments Lost in 2001 Created Escrow Shortage, Felonious Credit Report Blocked Outside Refinance, Bankruptcy was Forced, Payment History was Denied, Stay was released and Lender Supplied 48 Month Coveted Loan History same Day, Lender Admitted Faults, Sued Lender, Appealed Award, Appeal Denied Five Times, Lender Returns $7,515.25 Mooting Judgment, Threatening Foreclosure 05/06/2008 to “Case Law” Theft “Common Practice” Blanketing Defendable.

Foreclosure offers Different Protections from Justice relating Financial Accountability to the Following; Homeside Lending is/or Washington Mutual, First Bankruptcy Attorney, Second Bankruptcy Attorney, Bankruptcy Trustee and San Antonio Credit Union all Misdirected Funds.
Foreclosure Relates to the Following; Bank One Transferred Account with intentional Damage, Judge allowed Theft “Common Practice” Defended, Enron Judge Protected Both Houston Courthouse and DOJ Systematic, Fifth Circuit Protected DOJ, Appellate Attorney ignored Merit of Assured Supreme Court Victory that Promised Numerous Damage Awards, by seeking Trial Attorney information.

1. Sued Washington Mutual for Damages because Lender Admitted Payment Misapplications in 2001of $1,415.56, Homeside Lending had Protected Loan History for 48 Months allowing intended release of Stay to advance, Action was Suspended by Fault Admittance on Day’s following release of Stay.
1a. Meager $1,000.00 Award for ignored RESPA request was Appeal, because Attorney’s RESPA request was First ignored {ruled inadmissible} and by ignoring My Lay-person RESPA request release of Stay was allowed, Funds Lost, Damage Awarding and Costs was Appealed, relating all the Substance that was seeking Constitutional Justice, including First Attorney Draining Bankruptcy Trustee Account and San Antonio Credit Union Rav4 Loan advancement of Term Commitment.
1B. Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment, December 2007’ Washington Mutual returned $7,515.98 Loan Payment, Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, picking Damage with willingness forfeiting Accountability and Address, Rushing Foreclosure 5/6/08 seeks Dismissal out of Hand.
1C.Foremost Credit Report Notation of Bankruptcy’s Faults Blame notation, on Loans Credit Report equates.
1D. Demanding Credit for Payments made at Bankruptcy Conformation Hearing, Judge Ordered Attorney to File “Proof of Claim” on the recorded record. Judge required and accepted Signature but Stayed Conformation for 60 Days, Ignoring Judge Attorney Quit all Houston Caseload.

2. Defendant was colluded from Washington Mutual to former entity Homeside Lending under Seal, later reversed for Damage Award Payment.
2A. Attorney’s ignored Certified Mail RESPA “qualified written request” was Inadmissible.
2B. At Pretrial Hearing unknown Surrogate Attorney appeared to Defend, stating Case was just dropped in Lap without Time for review, or Proper Court paperwork. Judge threatened Dismissal, Ordering Attorney’s Appearance to Defend Three Day Core Adversary Hearing.
2C. Washington Mutual Halfheartedly offered Arbitration if Costs were split, before Second Pretrial Hearing, wanting preferred Arbitrator, not being a College consideration passed.

3. Washington Mutual Trial Arguments related to Line-item Challenge of Washington Mutual Fault Admittance Statement that was evidenced, countering self by newfound Date Augmentation, excusing Accountable reasoning with Assorted Derelict Avoidances of Law.
3A. Judgment accepted Lender Defense of “Principal Curtailment” claiming “Common Practice” relating to Breach of DEED Commitments highlighted damage Precedent.
3B. Judgment accepted Lender Defense of Erroneous Escrow reduction claiming “Common Practice” Argued Funds reduced in November for December Payment, Argued Taxes increased Loan Payments, Argued “Principal Curtailment” reduced Loans overall Interest despite reduction of 180 Term Commitment, Argued {48 Month} Concealed Prepayments were not Curtailments but were Prepayments, Argued Escrow was reduced on 11/28 not 11/10, Argued April ISF Check corrected in May Paid April, {belittlement} In Attorney Cross Lender Admitted “Curtailments” created the Escrow Shortage Demand that started in April and Admitted Large May Payment made Loan 100% Current including Damages before June 2002 and Admitted before April 2002 all Payments were respectfully Paid before Due.
3C. Judgment accepted Lender Testimony that Escrow Surplus return from Escrow already in arrears was unexplainable, root stem relates to Choice of intentional Damage Doubling, relative to Loan Payment Investigation Teams requirement of Canceled Check Front and Back sent in November 2001, Damages Stemmed from Closed Faulty Investigation Report that resulted in unknown Tax Payment responsibility Escrow Damage, Teams final Conclusion Dated Escrow reduction of 11/10 suspended to 11/28 but missed the Fact that it was Erroneous, forcing Escrow reduction to be reported on 1098 Tax Form as received Funds, and forcing December 2001 Payment History’s Shading/Blank Void report to Credit Agency, Second Time Simple Penny for Penny Swap opportunity missed.

4. Judgment ignored Core of Core Adversary Hearing Primary responsibility of Damage Awarding the DEED Stipulation Paragraph Verbatim.
Precedent Clause clearly defines Prepayments requirement of Signed Authorization forbidding Concealment, Itemizing abuse Damage Award Amount.
Importance of Paragraph Commanded notation on Judgment, but Judgment edited Substance’s Importance without Authority by cropping off top Half of Paragraph, in effort to revise intended meaning by omitting forward Substance, “Quoting” only bottom half of Paragraph their Collusion Supported Curtailments.
4A. Six of the Coveted Ten Day Timeframe allowance was received to find, hire and Convince Appellate Attorney Versed in Bankruptcy Appeals, Twelve Day after Judge Signed Attorney Appealed but foolishly, Persistently, Ignored Merits Arguing Excusable Neglect. Judgment accused Predisposed to Bankruptcy.
4B. Bankruptcy Judge Chaired from Conformation to Award Appeal is famed for Worlds largest Historic Billions of Dollars Bankruptcy Case Dismissal, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further.
4C. Justice Circumvented the Federal Bankruptcy Court “RULE” that extends all Judge Appeal Timeframe for Five Additional Days RULE #2005. Famed Houston ENRON Judge received and Denied Second Appeal, Appeal waited for ENRON Trials Conclusion.
Fifth Circuit refused to overrule ENRON Judge, Printer never received Desired U.S. SUPREME COURT Appeal and Time expired.
4D. Thousands of Bankruptcy’s relate and Hundreds of Bankruptcy’s have resulted since because Proved Damages were Denied, Lender Accountability Reforming Day-rate Damages was Award sought, if 5/6/2008 Foreclosure receives Action Theft was allowed, Case Law results that Lender Defense of DEED restricted Curtailments, Errant Escrow Reductions and Misapplications are “Common Practice” Defendable, opening the floodgate of Attorney exploitation, Theft Defended as “Common Practice” allowable.

5. On April 2002 Loan Damages created insurmountable Escrow Shortage Arrears increasing the next Twelve Monthly Payment Demand from $813.49 / $812.28 to $915.83 effecting accountability, $8,000.00 new Credit Card Home Improvement Balance reached 30% interest exactly and instantly relating.
5A. Priority became Credit Card over Home Loan seeking outside Refinance of $100,000.00 for 25 Years to install Rental Home on Lot was Goal.
5B. Credit Report Damage of December 2001 Shaded Box Void/Blank entry Blocked outside Refinance to force Bankruptcy, then Bankruptcy Attorney was Denied “Proof of Claim” {Judge ordered at Conformation Hearing, Staying Conformation 60 Day’s} included Bankruptcy Attorney’s RESPA “qualified written request” that was also being ignored, again Payments were halted for Court appearance to Demand Credit for Check Payments, 9/2005 Attorney missed Attending Release of Stay Hearing.
5C. Bankruptcy Trustee ordered Attorney’s Presence 10/2005, then ordering Attorney File Core Adversary Hearing was Conversed, at that same timeframe My Lay-person RESPA “Qualified Written Request” crafted was being ignored, Better Business Bureau assisted and Expelled Washington Mutual Chief Arbitrator Chair with Three Year Suspension for being ignored.
5D. RESPA “qualified written request” is simply a request to open Loan Discovery by itemization of Questions. Construction of request follows a formula and Lender is Time-line required to first admit receiving, second form reply and Third reach resolve.
Attorney Formally Back-dated RESPA Request to expired Time-line allowance when Posting and Predating our first meeting, understand relates to Judge’s refusal to allow into evidence, confusion relates to Attorney Award and Justice denied, compounding Justice Denied harbors Protection from Assorted Malpractices.
Attorney repeated relating Intent to File Core Adversary Hearing was in Progress.
5E. Homeside Lending Loan Manager became Washington Mutual Loan Manager.
Loan Manager that Protected Loan History released Bankruptcy Stay on 12/15/2005.
Washington Mutual Loan Archive’ Department E-Mailed Loan History on 12/15/2005.
Washington Mutual was Informed to explain, discrepancies on 12/16/2005.
Bank One “Principal Curtailment” and Loan Managers Escrow reduction became Evidence.
Washington Mutual claimed My Ignored RESPA request was on File.
Washington Mutual claimed to have never received Attorney RESPA Request, Faxed Attorney RESPA Request to Washington Mutual 12/16/2005.
Attorney Meeting after 12/16/2005 for Legal Process, Core Adversary was not yet Filed, Loan History was reviewed with Attorney Lender Telephone Communications.
Core Adversary was Dated Filed on 12/15/2005.
Washington Mutual Admitted Both Lenders Damaged Loan with Formal Written Document.

6. 48 Months of Loan History Protection forced Loan Manager to rush release Stay on 12/15/2005 in avoidance of Core Adversary Hearing, but on the same Day, Washington Mutual Archive’ Department E-mailed Coveted Loan History that Self Evidenced Missing Payment direction Detail.
6A. Washington Mutual was forced into written admittance, Loan Damage Assessment Statement that exacted, Bank One Misapplied Payment calling it “Principal Curtailment.”
6B. Washington Mutual admitted their Loan Manager Errantly Misapplied Escrow attempting to reverse “Principal Curtailment” then Argued in Court opposition claiming November 2001 Escrow reduction was Intended anticipating needed December 2001 Payment, all Proof of Payment Date Augmentation and Conflicts in History were Evidenced.
6C. Coveting was preformed to protect Lender from Contractual Damage expenses of $10,286.25 in trade falsified Credit Report to force Bankruptcy, ignorant of simple Penny for Penny exchange in 2001 to reverse Damage.

7. 80 Months ago Loan Transferred 11/01/2001, Lender Denied Payment Credit of $778. 34 for “Principal Curtailment” and Lender Denied Payment Credit of $637.22 for “Escrow Curtailment” recorded on First real-time Payment Breakdown Statement of 11/10/2001 {Lender Investigation Team required Canceled Check Front/Back Proof of Payment early 11/2001 and incorrectly reported resolve around 11/28/2001} equaling Loan Payments of $1,415.56 missing Credit to Date.
7A. Loan History that was Coveted to Protect Breach of DEED Contractual Damage expenses of $10.286.25, was followed by Errant Escrow reduction, that forced False Credit Report to Protect Lender from Both Curtailments, forcing Voluntary Bankruptcy, now 80 Months without Payment Credit.
7B. Bank One N.A. Breached DEED of $10,286.25 Damage became Contractually Transferred on 11/01/2001 to Homeside Lending with $1,289.85 Escrow Funds.
On 11/28/2001 Loan Manager erroneously Reduced Escrow attempting Damage reversal.
On 12/10/2001 County Tax Payment $1,168.26 created Shortage, amounting to $-515.63, Second simple Penny for Penny exchange reversal opportunity missed.
On 12/12/2001 Escrow Surplus of $336.23 increased Shortage amounting to $-851.86.
Escrow Reduction of 11/28/2001 was Reported received funds on 1098 Tax Form.
December 2001 was Void of Payment on all received Loan Histories “Then and Now.”

8. December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also was reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.
8A. Both Bank One and Loan Manager refused Production of Loan Payment History’s relating to Escrow Shortage.
Denied Bank One History accomplished “Principal Curtailment” Protection.
Denied Homeside Lending Loan History was accomplished by Lender receiving Loan on 11/01/2001 but requested received Payment History began on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”
8B. The Twelve additional Escrow Shortage Payments of $103.34 increased from $813.49 / $812.48 to $915.83 Started April 2002.

9. Bank One Paid $34.14 December PMI, then Breached DEED Commitment Contracted, Applying then Reversing December 2001 Payment to Pay Principal only, before Transferring Loan to Homeside Lending, called “Principal Curtailment” {Curtailment = Lop-off liken-to Horse’s Tail!} then Transferred Loan to Homeside Lending with $1,289.85 Escrow, without informing that 2001 Escrow County Tax Payment was Loan Commitment requirement.
9A. Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page Lender Signed, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment specifying instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, separating a Prepayment from Coveted Curtailment to Contractually support the 180 Month Term Commitment DEED Paperwork, $12,291.54 – Outside Costs = $10,286.25 Commitment Damage.
9B. Damage from 11/28/2001 to 12/12/2001 resulted from intent to Conceal “Principal Curtailment” Damage of $10,286.25 Justifying Interest Due Today, then Relating from Day Loan Transferred, forced Bankruptcy and Rushed Release of Stay Damages Justifies Tenfold Accountability with Interest and Damages.

10. Attempt to reverse “Principal Curtailment” Lender inadvertently reduced Escrow according to Loan History on 11/28/2001 from $1,289.85 to $652.63.
Real-time Loan Statements Itemizes Escrow Reduction on 11/10/2001, Requested Proof of Canceled Check Payment was sent to Lender in that Timeframe, Discovery Question relating to Investigations results was repeated and ignored, Argument that Escrow reduction Paid December Stands Disputing Admittance Statement with Diligent Securitization of Verbatim.
10A. Washington Mutual’s Loan Damage Acknowledgement Report called Bank One Action a “Principal Curtailment” and Homeside Lending Errant Escrow reduction a Misapplication.
10B. Errant “Principal Curtailment reversal attempt, applied funds to Month Bank One already Credited allowing 11/2001 to be Credited Twice. “None the less” Action was Coveted from Loan History for 48 Months so “Escrow Curtailment” Defines Action.
10C. County Tax payment of $1,168.26 on 12/10/2001 created Escrow Shortage, amounting to $-515.63 so Loan Manager Posted Escrow Surplus return 12/12/2001 of $336.23 to increase Escrow arrears, amounting to $-851.86.

11. Homeside Lending Loan Manager’s Coveting of the Bank One 2001 Principal Curtailment was complicated by the Erroneous Escrow Reduction that became intent to deceive lasting for 48 Months to protected Contractual Damage expenses of $10,286.25 in trade for forcing My Bankruptcy, now 80 Months without Payment Credit.
11A. Homeside Lending’s failed attempt at Damage reversal deduction of Funds from Escrow was admitted by Washington Mutual, Erroneously Misapplied.
11B. Washington Mutual acquired Homeside Lending and the Loan Manager that Testified for Washington Mutual’s Attorney being Sued, Arguing’ the ”Bank One N.A. “Principal Curtailment” was “Common Practice” Defendable, Separately Arguing’ the Homeside Lending inadvertent Escrow Reduction was “Common Practice” Defendable, despite ruining Credit Report, Falsifying 1098 Tax Form, Forcing Bankruptcy, Releasing Stay, Arguments were all Moot because Washington Mutual accepted Faults Blame in Written Statement of Bank One “Principal Curtailment” and Homeside Lending Erroneous “Escrow Reduction.”
11C. Bank One did Report 2001 Tax Form 1098! Homeside Lending Reported 2001Tax Form 1098 claiming Escrow Reduction Funds as Received Funds, following Loan Transfer First Payment was in 2002.

12. December 2001 was Void of Payment on all received Loan Histories “Then and Now” December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also were reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.
12A. Demanding on the Recorded Record, Credit for Payments made, Judge at Bankruptcy Conformation Hearing, Ordered Attorney to File “Proof of Claim” Trustee and Lender were Chaired {Judge Required Paperwork Signed or Foreclosure} Sixty Day “Stay” of Conformation Resulted for Dispute resolution.
12B. Either Lender refused to reply or Attorney Ignored Judge Order requirement of “Proof of Claim” but Time Expired, Attorney said on Phone that he was Quitting, Months Later Large Credit Union Check Posted to make Account Current, Paid in Full.
12C. Month Later Attorney sent New Letter-headed San Antonio Credit Union Payment Coupon Book that had Additional Coupons, Stating he Quit and Suggested Attorney.
12D. Attorney Quit, including sending bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired, latter found out he Charged an additional $1,200.00 to My Bankruptcy Trustee relating over $200.00 a Month overcharging.

13. Instantly New Attorney sent Homeside Lending Certified mail RESPA “qualified written request” with Her Guidance Her Legal Secretary Helped with Credit Union.
13A. Seven Months later with Loan History Denied {E-Mailed to Regulators & Assumed Regulators that Lender fails to respond to Attorneys RESPA Request, fair assumption’s Review was Forced and Privileged ignored} Payments were Suspended for Audience with Bankruptcy Court resolution, Attorney failed to attend release of Stay hearing, Trustee required attendance 30 days later.
13B. San Antonio Credit Union Denied Adjusting Terms or sending New Coupon Book that had Three Additional Months, Attorneys Legal Secretary was Arbitrating {I Shut-up and Listen Great but Jump Topics with Excitement when Talking/Arguing} Legal Secretary was used to eliminate that problem forehand. Coupon Books at Hand and unresolved Payoff Schedule was requested and received, Two Additional Months were Added, Loans remaining Principal was Larger than Original Loan’s Principal Financed and resolve was Denied, Current on Rav4 Loan, Fighting Home Loan told Credit Union to expect No more Payments, will properly clean before Repossession Day, then Trustee reported additional Rav4 Arrears Charged by First Attorney for Rav4.

13BA. Briefly First Attorney failed Judge “Proof of Claim” Charged $200.00 a Month Trustee’s Bankruptcy Fee’s Raided Rav4 Bankruptcy Account and Raided Rav4 Credit Union Account before Credit Union Raided Rav4 Account, Second Attorney Protected to Malpractice RESPA and Failed to Attend Hearing, sent Substituted Attorney to Court failing to Attend Hearing and Misdirected Appellate Attorney with Confusion.

13C. Ignored Attorney RESPA request was used to format “My layperson” RESPA “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual, it was also Ignored, request was also Posted to Bank One, Bankruptcy Trustee, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau and more including California Attorney General that Promised Active Silent Case Review, but Lender moved to Nevada, not Seattle.

14. Better Business Bureau was being Ignored and reported no response from Washington Mutual, I challenged their Existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day 12/15/2005 Pretrial, itemizing the Curtailments, Washington Mutual Admittance of Fault called for Court Action.

15. Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail RESPA “qualified written request” {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!
15A. Week before Three Day Core Adversary Hearing was Pretrial Hearing, unknown Surrogate Attorney arrived to Defend stating Case Dropped in Lap without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days, Threatening to Dismiss unless Attorney attended to Defend, fear of voicing any Objection Resulted.
15B. Judge Allowed ignored RESPA request to received the only damage Judgment $1,000.00 {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date, Also recorded in Testimony Ignored {Blank} Discovery Questions.
15C. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Six Days received Twelve Days after Judge Signed Award Judgment Appeal was filed, and Denied.
15D. “RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.
15E. New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Case History reviewed, shared in Office, spent on Phone and E-Mailed, Former Bankruptcy Attorney Name on Appeal remains, Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.
15F. Second Award Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or DOJ Broke Problem reasoning!
Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!
15G. Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary then time expired.

16. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September 2002, May 2002 Priority became Credit Card balance over Loan Payment {History was Denied to Address Escrow Arrear Demand from Loan with Current on-time Payments, Lender Failed Accountability and refused Bank One Loan History, then Credit Report Blocked outside Refinance} $8,000.00 Credit Card % increased from 5% to 20% to 30% April May 2001, Bankrupted! Day Rate damages, was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment.

17. December 2007’ Washington Mutual returned $7,515.98 of Loan Payments, by Trustee Opening and Reclosing Bankruptcy to Transfer Payment, Mooting Judgment with Fault Admittance, skirting Commitment Damages, keeping Curtailments, Foremost Credit Report Notation of Faults Blame notation on Loans Credit Report equates. Theft reaches Tuition by Foreclosure, as does “Common Practice” Case Law Defense.

Fannie Ex-Execs Settle; How Long Will Shareholders Stand For This?

Richard Pollak [e-mail] Alvin Texas 77511 Born 09/17 Constitution Day, “We Hold These Truths to Be Self Evident!” All Justice Denied because Damage simply relates International Commerce’s permission that Payments Deserve Credit, Affronted Authority places Laws Subservient by emboldening forsakenly.

Standard 6.5 Fixed 180 Month Loan Closed on May, 2001 for $77,000.00, $60,000.00 Available Credit Card Credit “0” Due, Loan Originator received all 2001 Coupon Payments, then Transferred Loan, and First Three 2002 Payments were Also on-time Current.
Payments Lost in 2001 Created Escrow Shortage, Felonious Credit Report Blocked Outside Refinance, Bankruptcy was Forced, Payment History was Denied, Stay was released and Lender Supplied 48 Month Coveted Loan History same Day, Lender Admitted Faults, Sued Lender, Appealed Award, Appeal Denied Five Times, Lender Returns $7,515.25 Mooting Judgment, Threatening Foreclosure 05/06/2008 to “Case Law” Theft “Common Practice” Blanketing Defendable.

Foreclosure offers Different Protections from Justice relating Financial Accountability to the Following; Homeside Lending is/or Washington Mutual, First Bankruptcy Attorney, Second Bankruptcy Attorney, Bankruptcy Trustee and San Antonio Credit Union all Misdirected Funds.
Foreclosure Relates to the Following; Bank One Transferred Account with intentional Damage, Judge allowed Theft “Common Practice” Defended, Enron Judge Protected Both Houston Courthouse and DOJ Systematic, Fifth Circuit Protected DOJ, Appellate Attorney ignored Merit of Assured Supreme Court Victory that Promised Numerous Damage Awards, by seeking Trial Attorney information.

1. Sued Washington Mutual for Damages because Lender Admitted Payment Misapplications in 2001of $1,415.56, Homeside Lending had Protected Loan History for 48 Months allowing intended release of Stay to advance, Action was Suspended by Fault Admittance on Day’s following release of Stay.
1a. Meager $1,000.00 Award for ignored RESPA request was Appeal, because Attorney’s RESPA request was First ignored {ruled inadmissible} and by ignoring My Lay-person RESPA request release of Stay was allowed, Funds Lost, Damage Awarding and Costs was Appealed, relating all the Substance that was seeking Constitutional Justice, including First Attorney Draining Bankruptcy Trustee Account and San Antonio Credit Union Rav4 Loan advancement of Term Commitment.
1B. Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment, December 2007’ Washington Mutual returned $7,515.98 Loan Payment, Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, picking Damage with willingness forfeiting Accountability and Address, Rushing Foreclosure 5/6/08 seeks Dismissal out of Hand.
1C.Foremost Credit Report Notation of Bankruptcy’s Faults Blame notation, on Loans Credit Report equates.
1D. Demanding Credit for Payments made at Bankruptcy Conformation Hearing, Judge Ordered Attorney to File “Proof of Claim” on the recorded record. Judge required and accepted Signature but Stayed Conformation for 60 Days, Ignoring Judge Attorney Quit all Houston Caseload.

2. Defendant was colluded from Washington Mutual to former entity Homeside Lending under Seal, later reversed for Damage Award Payment.
2A. Attorney’s ignored Certified Mail RESPA “qualified written request” was Inadmissible.
2B. At Pretrial Hearing unknown Surrogate Attorney appeared to Defend, stating Case was just dropped in Lap without Time for review, or Proper Court paperwork. Judge threatened Dismissal, Ordering Attorney’s Appearance to Defend Three Day Core Adversary Hearing.
2C. Washington Mutual Halfheartedly offered Arbitration if Costs were split, before Second Pretrial Hearing, wanting preferred Arbitrator, not being a College consideration passed.

3. Washington Mutual Trial Arguments related to Line-item Challenge of Washington Mutual Fault Admittance Statement that was evidenced, countering self by newfound Date Augmentation, excusing Accountable reasoning with Assorted Derelict Avoidances of Law.
3A. Judgment accepted Lender Defense of “Principal Curtailment” claiming “Common Practice” relating to Breach of DEED Commitments highlighted damage Precedent.
3B. Judgment accepted Lender Defense of Erroneous Escrow reduction claiming “Common Practice” Argued Funds reduced in November for December Payment, Argued Taxes increased Loan Payments, Argued “Principal Curtailment” reduced Loans overall Interest despite reduction of 180 Term Commitment, Argued {48 Month} Concealed Prepayments were not Curtailments but were Prepayments, Argued Escrow was reduced on 11/28 not 11/10, Argued April ISF Check corrected in May Paid April, {belittlement} In Attorney Cross Lender Admitted “Curtailments” created the Escrow Shortage Demand that started in April and Admitted Large May Payment made Loan 100% Current including Damages before June 2002 and Admitted before April 2002 all Payments were respectfully Paid before Due.
3C. Judgment accepted Lender Testimony that Escrow Surplus return from Escrow already in arrears was unexplainable, root stem relates to Choice of intentional Damage Doubling, relative to Loan Payment Investigation Teams requirement of Canceled Check Front and Back sent in November 2001, Damages Stemmed from Closed Faulty Investigation Report that resulted in unknown Tax Payment responsibility Escrow Damage, Teams final Conclusion Dated Escrow reduction of 11/10 suspended to 11/28 but missed the Fact that it was Erroneous, forcing Escrow reduction to be reported on 1098 Tax Form as received Funds, and forcing December 2001 Payment History’s Shading/Blank Void report to Credit Agency, Second Time Simple Penny for Penny Swap opportunity missed.

4. Judgment ignored Core of Core Adversary Hearing Primary responsibility of Damage Awarding the DEED Stipulation Paragraph Verbatim.
Precedent Clause clearly defines Prepayments requirement of Signed Authorization forbidding Concealment, Itemizing abuse Damage Award Amount.
Importance of Paragraph Commanded notation on Judgment, but Judgment edited Substance’s Importance without Authority by cropping off top Half of Paragraph, in effort to revise intended meaning by omitting forward Substance, “Quoting” only bottom half of Paragraph their Collusion Supported Curtailments.
4A. Six of the Coveted Ten Day Timeframe allowance was received to find, hire and Convince Appellate Attorney Versed in Bankruptcy Appeals, Twelve Day after Judge Signed Attorney Appealed but foolishly, Persistently, Ignored Merits Arguing Excusable Neglect. Judgment accused Predisposed to Bankruptcy.
4B. Bankruptcy Judge Chaired from Conformation to Award Appeal is famed for Worlds largest Historic Billions of Dollars Bankruptcy Case Dismissal, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further.
4C. Justice Circumvented the Federal Bankruptcy Court “RULE” that extends all Judge Appeal Timeframe for Five Additional Days RULE #2005. Famed Houston ENRON Judge received and Denied Second Appeal, Appeal waited for ENRON Trials Conclusion.
Fifth Circuit refused to overrule ENRON Judge, Printer never received Desired U.S. SUPREME COURT Appeal and Time expired.
4D. Thousands of Bankruptcy’s relate and Hundreds of Bankruptcy’s have resulted since because Proved Damages were Denied, Lender Accountability Reforming Day-rate Damages was Award sought, if 5/6/2008 Foreclosure receives Action Theft was allowed, Case Law results that Lender Defense of DEED restricted Curtailments, Errant Escrow Reductions and Misapplications are “Common Practice” Defendable, opening the floodgate of Attorney exploitation, Theft Defended as “Common Practice” allowable.

5. On April 2002 Loan Damages created insurmountable Escrow Shortage Arrears increasing the next Twelve Monthly Payment Demand from $813.49 / $812.28 to $915.83 effecting accountability, $8,000.00 new Credit Card Home Improvement Balance reached 30% interest exactly and instantly relating.
5A. Priority became Credit Card over Home Loan seeking outside Refinance of $100,000.00 for 25 Years to install Rental Home on Lot was Goal.
5B. Credit Report Damage of December 2001 Shaded Box Void/Blank entry Blocked outside Refinance to force Bankruptcy, then Bankruptcy Attorney was Denied “Proof of Claim” {Judge ordered at Conformation Hearing, Staying Conformation 60 Day’s} included Bankruptcy Attorney’s RESPA “qualified written request” that was also being ignored, again Payments were halted for Court appearance to Demand Credit for Check Payments, 9/2005 Attorney missed Attending Release of Stay Hearing.
5C. Bankruptcy Trustee ordered Attorney’s Presence 10/2005, then ordering Attorney File Core Adversary Hearing was Conversed, at that same timeframe My Lay-person RESPA “Qualified Written Request” crafted was being ignored, Better Business Bureau assisted and Expelled Washington Mutual Chief Arbitrator Chair with Three Year Suspension for being ignored.
5D. RESPA “qualified written request” is simply a request to open Loan Discovery by itemization of Questions. Construction of request follows a formula and Lender is Time-line required to first admit receiving, second form reply and Third reach resolve.
Attorney Formally Back-dated RESPA Request to expired Time-line allowance when Posting and Predating our first meeting, understand relates to Judge’s refusal to allow into evidence, confusion relates to Attorney Award and Justice denied, compounding Justice Denied harbors Protection from Assorted Malpractices.
Attorney repeated relating Intent to File Core Adversary Hearing was in Progress.
5E. Homeside Lending Loan Manager became Washington Mutual Loan Manager.
Loan Manager that Protected Loan History released Bankruptcy Stay on 12/15/2005.
Washington Mutual Loan Archive’ Department E-Mailed Loan History on 12/15/2005.
Washington Mutual was Informed to explain, discrepancies on 12/16/2005.
Bank One “Principal Curtailment” and Loan Managers Escrow reduction became Evidence.
Washington Mutual claimed My Ignored RESPA request was on File.
Washington Mutual claimed to have never received Attorney RESPA Request, Faxed Attorney RESPA Request to Washington Mutual 12/16/2005.
Attorney Meeting after 12/16/2005 for Legal Process, Core Adversary was not yet Filed, Loan History was reviewed with Attorney Lender Telephone Communications.
Core Adversary was Dated Filed on 12/15/2005.
Washington Mutual Admitted Both Lenders Damaged Loan with Formal Written Document.

6. 48 Months of Loan History Protection forced Loan Manager to rush release Stay on 12/15/2005 in avoidance of Core Adversary Hearing, but on the same Day, Washington Mutual Archive’ Department E-mailed Coveted Loan History that Self Evidenced Missing Payment direction Detail.
6A. Washington Mutual was forced into written admittance, Loan Damage Assessment Statement that exacted, Bank One Misapplied Payment calling it “Principal Curtailment.”
6B. Washington Mutual admitted their Loan Manager Errantly Misapplied Escrow attempting to reverse “Principal Curtailment” then Argued in Court opposition claiming November 2001 Escrow reduction was Intended anticipating needed December 2001 Payment, all Proof of Payment Date Augmentation and Conflicts in History were Evidenced.
6C. Coveting was preformed to protect Lender from Contractual Damage expenses of $10,286.25 in trade falsified Credit Report to force Bankruptcy, ignorant of simple Penny for Penny exchange in 2001 to reverse Damage.

7. 80 Months ago Loan Transferred 11/01/2001, Lender Denied Payment Credit of $778. 34 for “Principal Curtailment” and Lender Denied Payment Credit of $637.22 for “Escrow Curtailment” recorded on First real-time Payment Breakdown Statement of 11/10/2001 {Lender Investigation Team required Canceled Check Front/Back Proof of Payment early 11/2001 and incorrectly reported resolve around 11/28/2001} equaling Loan Payments of $1,415.56 missing Credit to Date.
7A. Loan History that was Coveted to Protect Breach of DEED Contractual Damage expenses of $10.286.25, was followed by Errant Escrow reduction, that forced False Credit Report to Protect Lender from Both Curtailments, forcing Voluntary Bankruptcy, now 80 Months without Payment Credit.
7B. Bank One N.A. Breached DEED of $10,286.25 Damage became Contractually Transferred on 11/01/2001 to Homeside Lending with $1,289.85 Escrow Funds.
On 11/28/2001 Loan Manager erroneously Reduced Escrow attempting Damage reversal.
On 12/10/2001 County Tax Payment $1,168.26 created Shortage, amounting to $-515.63, Second simple Penny for Penny exchange reversal opportunity missed.
On 12/12/2001 Escrow Surplus of $336.23 increased Shortage amounting to $-851.86.
Escrow Reduction of 11/28/2001 was Reported received funds on 1098 Tax Form.
December 2001 was Void of Payment on all received Loan Histories “Then and Now.”

8. December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also was reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.
8A. Both Bank One and Loan Manager refused Production of Loan Payment History’s relating to Escrow Shortage.
Denied Bank One History accomplished “Principal Curtailment” Protection.
Denied Homeside Lending Loan History was accomplished by Lender receiving Loan on 11/01/2001 but requested received Payment History began on 11/28/2001 omitting Escrow Misapplication “Escrow Curtailment.”
8B. The Twelve additional Escrow Shortage Payments of $103.34 increased from $813.49 / $812.48 to $915.83 Started April 2002.

9. Bank One Paid $34.14 December PMI, then Breached DEED Commitment Contracted, Applying then Reversing December 2001 Payment to Pay Principal only, before Transferring Loan to Homeside Lending, called “Principal Curtailment” {Curtailment = Lop-off liken-to Horse’s Tail!} then Transferred Loan to Homeside Lending with $1,289.85 Escrow, without informing that 2001 Escrow County Tax Payment was Loan Commitment requirement.
9A. Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page Lender Signed, Bold Print requirement of Signed Authorization Clause as it relates to Prepayment specifying instead of Damage Arbitration, all Loan Originator received Funds and earnest Funds returned, separating a Prepayment from Coveted Curtailment to Contractually support the 180 Month Term Commitment DEED Paperwork, $12,291.54 – Outside Costs = $10,286.25 Commitment Damage.
9B. Damage from 11/28/2001 to 12/12/2001 resulted from intent to Conceal “Principal Curtailment” Damage of $10,286.25 Justifying Interest Due Today, then Relating from Day Loan Transferred, forced Bankruptcy and Rushed Release of Stay Damages Justifies Tenfold Accountability with Interest and Damages.

10. Attempt to reverse “Principal Curtailment” Lender inadvertently reduced Escrow according to Loan History on 11/28/2001 from $1,289.85 to $652.63.
Real-time Loan Statements Itemizes Escrow Reduction on 11/10/2001, Requested Proof of Canceled Check Payment was sent to Lender in that Timeframe, Discovery Question relating to Investigations results was repeated and ignored, Argument that Escrow reduction Paid December Stands Disputing Admittance Statement with Diligent Securitization of Verbatim.
10A. Washington Mutual’s Loan Damage Acknowledgement Report called Bank One Action a “Principal Curtailment” and Homeside Lending Errant Escrow reduction a Misapplication.
10B. Errant “Principal Curtailment reversal attempt, applied funds to Month Bank One already Credited allowing 11/2001 to be Credited Twice. “None the less” Action was Coveted from Loan History for 48 Months so “Escrow Curtailment” Defines Action.
10C. County Tax payment of $1,168.26 on 12/10/2001 created Escrow Shortage, amounting to $-515.63 so Loan Manager Posted Escrow Surplus return 12/12/2001 of $336.23 to increase Escrow arrears, amounting to $-851.86.

11. Homeside Lending Loan Manager’s Coveting of the Bank One 2001 Principal Curtailment was complicated by the Erroneous Escrow Reduction that became intent to deceive lasting for 48 Months to protected Contractual Damage expenses of $10,286.25 in trade for forcing My Bankruptcy, now 80 Months without Payment Credit.
11A. Homeside Lending’s failed attempt at Damage reversal deduction of Funds from Escrow was admitted by Washington Mutual, Erroneously Misapplied.
11B. Washington Mutual acquired Homeside Lending and the Loan Manager that Testified for Washington Mutual’s Attorney being Sued, Arguing’ the ”Bank One N.A. “Principal Curtailment” was “Common Practice” Defendable, Separately Arguing’ the Homeside Lending inadvertent Escrow Reduction was “Common Practice” Defendable, despite ruining Credit Report, Falsifying 1098 Tax Form, Forcing Bankruptcy, Releasing Stay, Arguments were all Moot because Washington Mutual accepted Faults Blame in Written Statement of Bank One “Principal Curtailment” and Homeside Lending Erroneous “Escrow Reduction.”
11C. Bank One did Report 2001 Tax Form 1098! Homeside Lending Reported 2001Tax Form 1098 claiming Escrow Reduction Funds as Received Funds, following Loan Transfer First Payment was in 2002.

12. December 2001 was Void of Payment on all received Loan Histories “Then and Now” December 2001 is recorded as Shaded Window {Void/Blank}. Void reported on real-time Loan Statements also were reported to fourth Independent in-House Credit Report Agency {Named in Testimony} that Supplies the Three respected Credit Reporting Agency’s.
12A. Demanding on the Recorded Record, Credit for Payments made, Judge at Bankruptcy Conformation Hearing, Ordered Attorney to File “Proof of Claim” Trustee and Lender were Chaired {Judge Required Paperwork Signed or Foreclosure} Sixty Day “Stay” of Conformation Resulted for Dispute resolution.
12B. Either Lender refused to reply or Attorney Ignored Judge Order requirement of “Proof of Claim” but Time Expired, Attorney said on Phone that he was Quitting, Months Later Large Credit Union Check Posted to make Account Current, Paid in Full.
12C. Month Later Attorney sent New Letter-headed San Antonio Credit Union Payment Coupon Book that had Additional Coupons, Stating he Quit and Suggested Attorney.
12D. Attorney Quit, including sending bulk of Houston Bankruptcy Case-load to Board Certified Attorney I hired, latter found out he Charged $1,200.00 to My Bankruptcy Trustee relating and Second Charging, Day Rate breakdown compares to extreme overcharging.

13. Instantly New Attorney sent Homeside Lending Certified mail RESPA “qualified written request” with Her Guidance Her Legal Secretary Helped with Credit Union.
13A. Seven Months later with Loan History Denied {E-Mailed to Regulators & Assumed Regulators that Lender fails to respond to Attorneys RESPA Request, fair assumption’s Review was Forced and Privileged ignored} Payments were Suspended for Audience with Bankruptcy Court resolution, Attorney failed to attend release of Stay hearing, Trustee required attendance 30 days later.
13B. San Antonio Credit Union Denied Adjusting Terms or sending New Coupon Book that had Three Additional Months, Attorneys Legal Secretary was Arbitrating {I Shut-up and Listen Great but Jump Topics with Excitement when Talking/Arguing} Legal Secretary was used to eliminate that problem forehand. Coupon Books at Hand and unresolved Payoff Schedule was requested and received, Two Additional Months were Added, Loans remaining Principal was Larger than Original Loan’s Principal Financed and resolve was Denied, Current on Rav4 Loan, Fighting Home Loan told Credit Union to expect No more Payments, will properly clean before Repossession Day, then Trustee reported additional Rav4 Arrears Charged by First Attorney for Rav4.

13BA. Briefly Attorney failed Judge “Proof of Claim” overcharged Trustee’s Bankruptcy Fee’s Raided Rav4 Bankruptcy Account and Raided Rav4 Credit Union Account before Credit Union Raided Rav4 Account.

13C. Ignored Attorney RESPA request was used to format “My layperson” RESPA “Qualified Written Request” Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual, it was also Ignored, request was also Posted to Bank One, Bankruptcy Trustee, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau and more including California Attorney General that Promised Active Silent Case Review, but Lender moved to Nevada, not Seattle.

14. Better Business Bureau was being Ignored and reported no response from Washington Mutual, I challenged their Existence, then Chief Arbitrator Chair with Membership was removed from Washington Mutual for Three Years, understand Loan History was supplied on release of Stay Day 12/15/2005 Pretrial, itemizing the Curtailments, Washington Mutual Admittance of Fault called for Court Action.

15. Sued Washington Mutual Core Adversary under Seal Judge changed Defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending Loan Manager to Testify, reversed for Judgment Award Payment, but Board Certified Attorney Certified Mail RESPA “qualified written request” {sent to Homeside Lending ignored by Washington Mutual} became Inadmissible in Court!
15A. Week before Three Day Core Adversary Hearing was Pretrial Hearing, unknown Surrogate Attorney arrived to Defend stating Case Dropped in Lap without review or required Documentation filed, Judge Stayed Pretrial hearing for 30 Days, Threatening to Dismiss unless Attorney attended to Defend, fear of voicing any Objection Resulted.
15B. Judge Allowed ignored RESPA request to received the only damage Judgment $1,000.00 {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement at Trial pertaining, was absent from Judgment and ignored to date, Also recorded in Testimony Ignored {Blank} Discovery Questions.
15C. Houston Bankruptcy Judge Chaired from Conformation to Award Appeal, famed for Worlds largest Historic Bankruptcy, Schlumberger oilfield Russia claimed 10 day appeal time-frame expired, without exposing Time-frames exactness beforehand, Clerk of Court recorded holding Judgment Two Days before Posting, Mail took Two Days, Attorney called Two Days after Home Mail-Box Delivery stating not willing to pursue further, Six Days received Twelve Days after Judge Signed Award Judgment Appeal was filed, and Denied.
15D. “RULE” Rule of Law Circumvented RULE #2005 exacts Bankruptcy Court Appeal Mandate allocation of Five Day extension for Time to Appeal, Judge sets whatever Appeal Timeframe and RULE extends by Five Days to eliminate Weekend, Holiday Working Day Confusions, Deadline was met for Merit Appeal Trumps rush to Dismiss by Judge and Attorney.
15E. New hired Appellate Attorney directed Excusable Neglect Defense, extensive Office hours relating to Line-item Case History reviewed, shared in Office, spent on Phone and E-Mailed, Former Bankruptcy Attorney Name on Appeal remains, Real Malpractice Balance awaiting Loan resolve. Trial ended 100 Days later Judgment Signed, despite evidence Clerk delay Posting for Postal Delivery {6 Day received, 4 Day from Attorney} Appeal Denied for expired days.
15F. Second Award Appeal was Judge famed for ENRON, refused Excusable Neglect Appeal, docketed first following Enron Trial conclusion, Houston we have a Problem reasoning or DOJ Broke Problem reasoning!
Fifth Circuit Appeal was asked to Rule over ENRON Judge’s refusal of exploring Excusable Neglect, Imagine that!
15G. Appellate Attorney failed to Post Excusable Neglect Case to Printer for Cert. Petition U.S. Supreme Court, Merits were neglected and contrary then time expired.

16. Closed Loan with $60,000.00 available on Credit Card, “0” owed, Complete Plumbing Electrical and interior Walls replacement ended September 2002, May 2002 Priority became Credit Card balance over Loan Payment {History was Denied to Address Escrow Arrear Demand from Loan with Current on-time Payments, Lender Failed Accountability and refused Bank One Loan History, then Credit Report Blocked outside Refinance} $8,000.00 Credit Card % increased from 5% to 20% to 30% April May 2001, Bankrupted! Day Rate damages, was Substance of Lawsuit, $1,000.00 Award was Appealed, Bankruptcy Attorney received expense Judgment.

17. December 2007’ Washington Mutual returned $7,515.98 of Loan Payments, by Trustee Opening and Reclosing Bankruptcy to Transfer Payment, Mooting Judgment with Fault Admittance, skirting Commitment Damages, keeping Curtailments, Foremost Credit Report Notation of Faults Blame notation on Loans Credit Report equates. Theft reaches Tuition by Foreclosure, as does “Common Practice” Case Law Defense.

Homebuilder Bailout: An Updated Analysis

[e-mail] here's My fight and it effects all Loans. Civil Rights Defender needeed!
1. Bank One N.A. standard 6.5 Fixed 180 Month Loan Closed on 5/2001 Credit was excellent, all Bank One Payments used Single detachable next Month Coupon Bill, Supplied with Loan update Statement that included Prompt December 2001 Coupon Payment {First only, never Seconded or Refinanced} Loan Transferred from Bank One with $1,289.85 Escrow Surplus to Homeside Lending on or around 11/1/2001 followed by Three Prompt 2002 Payments that Homeside Lending reduced by $.99 Monthly, equating Ten timely current Payments, later Washington Mutual acquired Homeside Lending {Loan Manager and Payment Address remained unchanged, Letterhead changed to Washington Mutual} Loan Manager released Loan History to Washington Mutual archive’ when Bankruptcy Stay was released 12/15/2005, Washington Mutual archive Department E-Mailed Payment History Loan Manager was Coveting on 12/15/2005. Loan History revealed that Bank One applied Payment, suspended Payment then allocated Payment to reduce Loan Principal only {180 Month Mortgage Term Breach by Coveted reduction amendment} on 12/16/2005 Washington Mutual was informed of impropriety their investigation team written statement defined the actions to be both Bank One “Principal Curtailment” and Homeside Lending errant attempt at Curtailment reversals inadvertent reduction of Escrow, that further damaged Loans Escrow. 2. The Loan Originator “Principal Curtailment” was a Breach of DEED Cover Page, Bold Print requirement of Signed Authorization clause as it relates to Prepayment that specifies, instead of Damage Arbitration all Loan Originator received Funds and earnest Funds returned $12,291.54 Supporting 180 Month Term Commitment DEED Paperwork {but for Insurance, Tax and Inspection Costs relative = $12,291.54 minus $1,289.85 Transferred, minus $1,168.26 County Tax, minus $239.00 PMI, minus $308.00 Hazard Insurance = $10,286.25 amendable} intent to deceive by Loan Managers Coveting of Bank One 2001 Curtailment Compounded Damage to offer protection from Contractual Damage expenses of $10,286.00 in trade forcing My Bankruptcy. 3. Deception became compounded by 2001 errant Escrow reduction before County Tax payment of $1,168.26 that resulted in Escrow Shortage of $515.63 Escrow destruction was furthered in 2001 by Phantom Escrow Surplus of $336.23 to increase 2001 Escrow Shortage to $851.86, {$1,289.85 Transferred and $851.86 Shortage became $2,141.71 missing from Escrow despite Current on all Payments, equates to My real-time assessment} Lender Escrow Damage required Loan Manager to Post 2001 Tax Form 1098 without Funds received and involved Credit Report deception. The resulting point achieved became that if Curtailment became exposed, indiscretions of Falsified Credit Reporting exposure became revealed. 48 Month deception without Judgment resolve transformed insurmountable Damage to Creditworthiness and Mindset now 76 Months with Threat of eminent Foreclosure. 4. Loan Manager Coveted Bank One Loan History “Curtailment” and Coveted the errant Escrow reduction until 12/15/2005 equating {“Escrow Curtailment” My wording} requested supplied Loan Payment History Twice received early in 2002 documented December 2001 Void of Payment Credit. Loan Manager Testified combined “Principal Curtailment,” Escrow reduction “Curtailment” and Phantom Escrow Surplus return, independently created the near $120.00 Escrow Shortage arrear Demand that began 4/2002, absent of Lender improprieties Loan was pristine Current through first Ten Payments. Escrow arrear duration applied from the Eleventh Payment to the Twenty-second Payment. Refinance was attempted but Loan Mismanagement blocked with incomplete Credit Report entry, forcing Bankruptcy protection. Lending Management demanded Escrow Shortage updating prior to additional review of Loan Payment History inquiry results, forced Bankruptcy was the Substance of Core Adversary Law Suit absent of Award, that was denied Appeal, Testified to by Loan Manager as Common Practice defendable, acceptance by Judge exacts Lender Misapplication Protection if Coveted, to Date Payment Credit denied, allowing Theft by Judge Rule. 5. The Loan Originator Breach of DEED Defended as “Common Practice” stands without Merits if Scrutinized pertaining to International Banking, Federally {Constitutional Civil Rights} or in Texas, threatening Theft prosecution Case Law blanket. Loan Originator Bank One N.A. Supplied and Signed DEED OF TRUST Contract before Transferring to Homeside Lending, Washington Mutual acquired responsibility that includes Damage enforcement. DEED clearly defines incidences award Contractually regulating to exact damage, precedent is Clause mutually Signed to commit. Judicial edit of Paragraph by cropping forward substance, alters commitment without authority, granting Superiority to allow Lender Robbery without Theft Prosecution. Secondly Escrow Breach relates to false Credit Report Reporting Damage, false 2001 I.R.S. 1098 Form Damage, Escrow {“Curtailment”} Mismanagement Damage and Phantom Escrow surplus return proves Loan History mutation, all Payments were Current excepting Bank One December 2001 Curtailment, Homeside Lending received first Payment 1/2002, the Homeside Lending Coveted Escrow reduction in November 2001 to second Credited November 2001 with evidenced proof argued in Testimony, Payment History abandonment of December 2001 report to Credit Agencies, blocked refinance forcing Bankruptcy. 6. At Bankruptcy Conformation Hearing Credit for Check Payments was requested / demanded, on the Recorded Court Record Judge ordered Attorney file “Proof of Claim” allocating 60 day “Stay” delaying Conformation, time expired Attorney Quit, including transferring complete Houston Bankruptcy Case-load to Board Certified Attorney I hired. Instantly Attorney sent to Homeside Lending Certified Mail RESPA “qualified written request” for Loan History. Request was ignored, before Core Adversary Hearing Judge under Seal changed Defendant from Washington Mutual to Homeside Lending, allowing Loan Manager to Testify Defending Bank One “Principal Curtailment” as “Common Practice,” Escrow Misapplication as “Common Practice” the Escrow Surplus return, from after Tax Payment Escrow in Arrears, was Defended as inexcusable Escrow misapplication {background of Escrow return from Escrow in Arrears equates not Damages but Creative Bookkeeping Loan History augmentation and Date changing Actions, important to understanding why Loan Manager Testified Escrow was reduced in November to Credit December when Evidenced Real-time Loan History is absent of Credit for December 2001, meaning November was Credited Twice and Credit Report agency was misinformed blocking refinance to protect Curtailments.} 7. Prompt and Current on Loan Payments, Twice real-time Loan History had Coveted Curtailments increasing demand to address Lender imposed Escrow Shortage, refinance was necessitated and followed Home reconditioning Goal time-frame, blocked refinance forced Bankruptcy protection, ignored through “Proof of Claim” requirement, then Attorney RESPA qualified written request was being ignored, so I layperson drafted RESPA “Qualified Written Request” and Posted Certified Mail using California address supplied by Security Exchange Commission relating to Washington Mutual and it was ignored, request was also Posted to Bank One, Bankruptcy Trustee, Attorney, former Attorney, DOJ, CC, OTS and Better Business Bureau, Judge Ruled ignored Attorney Certified Mail RESPA “qualified written request” sent to Homeside Lending inadmissible. My ignored Certified Mail RESPA “Qualified Written Request” sent to Washington Mutual was being ignored so B.B.B. communication assistance was requested, for being ignored B.B.B. expelled chief arbitrator Chair and Suspended Membership for Three Years from Washington Mutual. O.T.S. referred governance to Court Action after also being ignored. 8. My ignored RESPA request received $1,000.00 Judgment Award absent of exposed Coveted Curtailment Damages {Appeal denied} thanks to B.B.B. but request Substance has never been addressed to Date, including Discovery Questions Ignored, including matters Judge took under advisement during Trial ignored in Judgment. Importance of DEED Stipulation argued commanded notation on Judgment, Paragraph was the Main Substance of Core Adversary hearing, exacting the itemization of Loan Originator Damage from DEED Stipulation Contracted, with My offer of simplification suggesting Day-rate Damage to ease Judgment award, Judgment Cropped Paragraph to skip essence relative forward by beginning mid-paragraph altering intent, assumptive reasoning allows Collusion or Preservation of Supplementation by Washington Mutual relating to funding over half of Texas Court Appointed Attorney’s. Reform by Case Law Publishing was intent {by U.S. Supreme Court or Bench Ruling} Preservation of Corporation Document respect and Signature Commitment enforcement is Jeopardized to allowed Theft, under Threat of Foreclosure, argument transforms to Payment Credit Mute by Action of Judicial Rule locking open repercussion interpretations, compromising My Attorney Malpractice forwarding. 9. Homeside Lending argues errant Escrow reduction on 11/15/2001 was preformed on 11/28/2001 claiming used for 12/2001 Loan Payment, the real-time Loan Statements dispute documentation on Loan History. 10. 12/15/2005 Washington Mutual archive Team revealed Loan History proof of Curtailments, Bankruptcy release of Stay was on the same Day. Bankruptcy Court, Core Adversary, Suing Washington Mutual under Seal became Suing Homeside Lending, Attorneys Ignored RESPA Loan History request became Ruled Inadmissible, Trial ended 100 days later Judgment was Signed, Clerk of Courts documents delayed Posting for U.S. Postal delivery, Appeal was filled on Twelfth Day following receive.

Jim Cramer's Stop Trading! 4/7/08: Steve Ballmer's Exploding Offer

Richard j Pollak 4541 C.R.138A Alvin Texas 77511 [e-mail]

The Money is CEO Stock option Severance return and Citi is in the mix, Fed states 100 Billion Housing mess, relating to gas pump and 401Ks for all. Foreclosure notice 4/6/08 from payments without credit, Civil Rights Defender needed!
Just Cause Case was proved Pretrial by Lender Statement evidenced, admitting that Loan Originator Breached standard Bank One N.A. DEED Stipulation {Cover Page, Bold Print} Prepayment Clause of required Signature, defined in Statement by Lender as a Loan Originator “Principal Curtailment” meaning Coveted Prepayment, Stipulation states for Damage assessment Lender return Funds to ease Arbitration. Stipulation enforcement or lack of enforcement becomes Case Law relevant, all encompassing, exacting Check Payment Credit, US Supreme Court decision was and is sought, by Jury or Judgment assessment.

Loan Originator Bank One N.A. Action was reverse payment, suspended payment then “Curtail” Payment to pay Principal only {reducing 180 Month Term commitment} without informing. Then transferred Loan to Homeside Lending now Washington Mutual, Homeside Lending Loan Manager remained Managing Loan for Washington Mutual.
Lender Statement, admitted Pretrial that in effort to reverse “Principal Curtailment” wanting to balance new account received, Loan Manager Errantly reduced Escrow {I call it} “Escrow Curtailment.” further damaging Loans Escrow.
Real-time Loan Statements Evidenced support contention that both “Curtailments” related to November 2001 because December 2001 was never Credited {skipped} supported by False IRS 1098 Tax Form, claiming Taxable funds received, after Transfer' in 2001.
Following “Principal Curtailment” Transfer and “Escrow Curtailment,” Escrow was used to Pay Property Taxes in 2001 creating Escrow Shortage.
Escrow Shortage was increased and Clouded by action of phantom Escrow Surplus return, received but disputed, requested Loan Payment History from Bank One was refused, Homeside Lending Coveted from {the First or Fifth of} November, Loan Payment History that began only on November 28th, time-frame omitting “Curtailments with intent, all Real-time Statement dispute December Payment Action, including Twice requested received Loan History early 2002. Bank One History and the “Curtailments” some 28 days, was first received on December 15, 2005 release of Bankruptcy Stay day.
Loan Managers “Common Practice” Testimony ignores DEED Cover Page, Bold Print and Escrow Management Duty.

Trial concluded 100 days later Judgment received US Mail just days before Appeal time-frame expired, $1,000.00 for ignoring RESPA request Award, without actual Loan Damages was Appealed on the12th day following Judges Signature.
Judge allowed Ten Days to Appeal despite Bankruptcy Rule {RULE 2005 = Presidents Five additional Days allowance} the Ten Day restriction was Unpublished with Clerk of Court, documentation of delaying Judgments Posting.
New Appellate Attorney was needed because of multiple failure to attend Hearings by Trial Attorney, Judge refused {“Excusable Neglect”} Appeal, Second Appeal waited for ENRON Trial conclusion, Docketed for ENRON Judges first Case following ENRON.
A ppeal was denied, then Fifth Circuit also denied, Printer never received US Supreme Court Cert. Petition, Merit was DEED Stipulation Paragraph Edit on Judgment not folly of Excusable Neglect that Appellate Attorney Appealed.
Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appeal, Attorney received expense Judgment, December 2007 Washington Mutual returned $7,515.98 Loan Payment Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, threatening with Foreclosure notice 2008 but My demanded Proof of Payments impossible, new Washington Mutual Foreclosure Attorney dropping client Washington Mutual.

Sued Washington Mutual Core Adversary under Seal Judge changed defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending to Testify, reversed for Judgement Award Payment, but Board Certified Attorney Certified Mail RESPA request {ignored by Washington Mutual} became inadmissible. My lay person RESPA request was being ignored, BBB forwarded and was also ignored, RESPA request received the only damage Judgment, {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement pertaining, was absent from Judgment and ignored to date.

Is WaMu's Cash Infusion Such a Great Deal?

Richard j Pollak 4541 C.R.138A Alvin Texas 77511 [e-mail]

Citi also getting Billions, from same Return of CEO Stock option Severances , Fed states Housing 100 Billion behind, Gas Prices and 401Ks suffer all. 4/6/08 Foreclosure notice because Payments denied Credit, Civil Rights Defender needed.

Just Cause Case was proved Pretrial by Lender Statement evidenced, admitting that Loan Originator Breached standard Bank One N.A. DEED Stipulation {Cover Page, Bold Print} Prepayment Clause of required Signature, defined in Statement by Lender as a Loan Originator “Principal Curtailment” meaning Coveted Prepayment, Stipulation states for Damage assessment Lender return Funds to ease Arbitration. Stipulation enforcement or lack of enforcement becomes Case Law relevant, all encompassing, exacting Check Payment Credit, US Supreme Court decision was and is sought, by Jury or Judgment assessment.

Loan Originator Bank One N.A. Action was reverse payment, suspended payment then “Curtail” Payment to pay Principal only {reducing 180 Month Term commitment} without informing. Then transferred Loan to Homeside Lending now Washington Mutual, Homeside Lending Loan Manager remained Managing Loan for Washington Mutual.
Lender Statement, admitted Pretrial that in effort to reverse “Principal Curtailment” wanting to balance new account received, Loan Manager Errantly reduced Escrow {I call it} “Escrow Curtailment.” further damaging Loans Escrow.
Real-time Loan Statements Evidenced support contention that both “Curtailments” related to November 2001 because December 2001 was never Credited {skipped} supported by False IRS 1098 Tax Form, claiming Taxable funds received, after Transfer' in 2001.
Following “Principal Curtailment” Transfer and “Escrow Curtailment,” Escrow was used to Pay Property Taxes in 2001 creating Escrow Shortage.
Escrow Shortage was increased and Clouded by action of phantom Escrow Surplus return, received but disputed, requested Loan Payment History from Bank One was refused, Homeside Lending Coveted from {the First or Fifth of} November, Loan Payment History that began only on November 28th, time-frame omitting “Curtailments with intent, all Real-time Statement dispute December Payment Action, including Twice requested received Loan History early 2002. Bank One History and the “Curtailments” some 28 days, was first received on December 15, 2005 release of Bankruptcy Stay day.
Loan Managers “Common Practice” Testimony ignores DEED Cover Page, Bold Print and Escrow Management Duty.

Trial concluded 100 days later Judgment received US Mail just days before Appeal time-frame expired, $1,000.00 for ignoring RESPA request Award, without actual Loan Damages was Appealed on the12th day following Judges Signature.
Judge allowed Ten Days to Appeal despite Bankruptcy Rule {RULE 2005 = Presidents Five additional Days allowance} the Ten Day restriction was Unpublished with Clerk of Court, documentation of delaying Judgments Posting.
New Appellate Attorney was needed because of multiple failure to attend Hearings by Trial Attorney, Judge refused {“Excusable Neglect”} Appeal, Second Appeal waited for ENRON Trial conclusion, Docketed for ENRON Judges first Case following ENRON.
A ppeal was denied, then Fifth Circuit also denied, Printer never received US Supreme Court Cert. Petition, Merit was DEED Stipulation Paragraph Edit on Judgment not folly of Excusable Neglect that Appellate Attorney Appealed.
Day Rate damages was Substance of Lawsuit, $1,000.00 Award was Appeal, Attorney received expense Judgment, December 2007 Washington Mutual returned $7,515.98 Loan Payment Muting Judgment with Fault Admittance, skirting Commitment Damages keeping Curtailments, threatening with Foreclosure notice 2008 but My demanded Proof of Payments impossible, new Washington Mutual Foreclosure Attorney dropping client Washington Mutual.

Sued Washington Mutual Core Adversary under Seal Judge changed defendant to Homeside Lending allowing Washington Mutual Attorney to call Homeside Lending to Testify, reversed for Judgement Award Payment, but Board Certified Attorney Certified Mail RESPA request {ignored by Washington Mutual} became inadmissible. My lay person RESPA request was being ignored, BBB forwarded and was also ignored, RESPA request received the only damage Judgment, {thanks to the BBB support} substance matters related in RESPA request that Judge took under advisement pertaining, was absent from Judgment and ignored to date.

WaMu Alt-A Pool Deteriorates Further

Richard j Pollak [e-mail] 4541 C.R. 138A
Alvin, TX 77511

Respectfully prompt and current on all first twelve
payments. N.A. Lender transferred new Loan after Nine
months by action of reversing final payment to credit
Loan Principal only {defined by loan manager as
"Principal Curtailment"} Deeds Cover page states
Prepayment requires Signature, Comptroller of the
Currency governs N.A. prohibiting' prior to Transfer,
then Office of Thrift Supervision blindly governs.
Evidenced {B.B.B. supported} Five Year Coveted, Constitutes action was "Curtailment."
Receiving Loan in transfer F.A Lender in attempt to
reverse "Principal Curtailment" in admitted accounting
error reducing Escrow, creating additional shortages
{I call it "Escrow Curtailment"} increasing demand of
nearly $120.00 for 12 Months.

Testimony by F.A Loan manager reported Common
Practice for N.A. Lender to Breach Term commitment.
Testimony by F.A Loan manager reported Common
Practice for Escrow accounting error.
Loan Misapplications through Transition was defined
by Learned Board Certified, as Theft, jeopardizing
robbery prosecutions at midnight 4/5/08 when error
Judge forgave becomes Common Practice defensible,
because Washington Mutual Called Loan.

B.B.B. removed Washington Mutual from chief arbitrator
chair and Membership for Three Years from ignoring
Loan History requested, My Judge famed for largest
Historic Schlumberger Russia Bankruptcy and Second
Judge {Appeal} famed for Enron, refused Excusable Neglect Case reopening.

Borrowed at 6.5% for 15 Years, no second, from Bank
One N.A. {"C.C." Comptroller of the Currency.} April,
2001. No Hope now here, Land with outbuildings alone values larger than Original Loan, everyone accounts best interest is dismiss without arbitration, refinance excuses Lender damages.

Loan was Transferred to Homeside Lending F.A.
{"O.T.S." Office of Thrift Supervision} November,
2001, later Washington Mutual acquired Homeside
Lending and actual Loan Manager Supervisor's employ, Defendant Loan Supervisor Manager.

Sued Washington Mutual, for simplification Judge changed Defendant to former entity Homeside Lending under Seal, allowing Washington Mutual to Witness employee, Loan Supervisor, Homeside Lending, Curtailment Manager.
Defendant reverted back to Washington Mutual for Judgment Payment, but Attorneys Certified Mail ignored RESPA request, became inadmissible.

For Five Years regulator "C.C." forwards all My
inquiries to "O.T.S." that fails to govern or reply,
"O.T.S." never responds, A.G. never responds, D.O.J.
never respond. Regulation by the C.C. instead of O.T.S
will force Lender accountability eliminating stuck
between, but Lender C.E.O.s are destroying homesteads,
helped by Stock Market & Future Trading. C.C.
regulation transferred with Loan to O.T.S. regulation
failures, altered DEED Contractually.

Bankruptcy arrears paid-off in full Years ago, if
Foreclosed 4/5/08, Presidents equates Judge allowed $1,500.00 "Curtailment" to transition into theft by "Common Practice" defense, liken-to Bank robber claiming "Common Practice" Defense and will be Case Law exploited!

100 days following Trial Judge Signed awarding {$1,000.00} RESPA Damages 4 of 10 day allowed appeal time-frame was spent before U.S. Mail delivered. {Bankruptcy RULE "RULE 2005"} extends in President 5 days all Judgment appeals, Appellate Attorney argued Excusable Neglect for spending 12 day's from Signed day to Appeal's filing day.

Washington Mutual recently returned $7,500.00 Core Bankruptcy Arrears skirting damages and overriding Judgment by default admittance, without rendering the Lawsuit's substance of arbitrated day rate damage, allowing Precedent that Theft ignored if defended as
Common Practice!