You might just find yourself in the same shoes as Jack Wright. He has been trying to Wright the wrongs for nearly a decade. If you are a homeowner Jack's letter to the Department of Commerce in Washington is a must read!

The 9 year saga of Robert Jack Wright continues...Jack never missed a mortgage payment, paid his payments on time and overpaid his escrow payments. Yet, when you read about Jack's case it seems abundantly clear that he is one of the countless consumers caught up in a mortgage servicing fraud nightmare that involves a mortgage servicing company trying to steal his home.

During one of the mortgage servicer’s many attempts to do so, they were forced to admit, under oath, in a courtroom in Texas that 1) they didn’t own the mortgage note and 2) Mr. Wright didn’t miss any payments and in fact he had over paid into his escrow accounts. You might be asking yourself –how could this possibly happen? That’s what everyone who has faced mortgage servicing fraud or knows of Jack’s nightmare -wants to know. Mr. Wright is the founder of msfraud.org a site filled with articles, case laws, consumer nightmare stories and frightening insight into the world of mortgage servicing fraud. If you still believe you’re safe from this crime -or are under the false impression that you can’t lose your homes as long as you pay your mortgage on time, read on...I guarantee you will find yourself feeling both vulnerable and a little less secure.

For more on Jack's nightmare, see the below article from: HomeOwners For Better Building (hobb.org)

Injustice or Fraud? Non Holder of Note to Foreclose on HomeMortgage Company Forces Foreclose on Home
At the opening of the trail, EMC stated to the court that they had made a mistake and they were NOT the Owner & Holder of my Note and therefore did not have legal standing. This meant they had committed massive fraud upon the courts over these years by knowingly making false statements in their pleadings, affidavits, depositions and court hearings...read more at hobb.org

or read this article written with a humorous slant...

TEXAS JUDGES RUN SCARED by Jack Wright

Texas, once the symbol of toughness, power, wealth, with its black gold and plenty of it seemed to separate the state from the others. Visions of cowboys sucker-punching steers to the dirt and killin’ varmints with a spit of chewin’ tobacco was only relaxed by that southern charm and hospitality.

Texas also seemed to have its own form of justice; fair, no nonsense and swift. If there’s to be a hangin’ – why not tonight on the way to the saloon? You would expect to see the slogan “Don’t Mess With Texas” emblazoned behind the bench of every courtroom warning all who entered: “Mess with Texans and we will hang ya”. That was when some of us were only knee-high to a rattlesnake. That was then; this is now.

I can’t say everything is bigger in Texas, but fraud is. One civil case being passed around Texas courts like a hot potato, may run out of judges before any hangin’ takes place. This is the case of one Texas landowner, who nearly 10 years ago, was targeted by the illegal enterprise of mortgage servicing fraud sweeping the country like a West Texas dust storm; where corporate outlaws manipulate the accounts of landowners to make it appear they are in default when they are not. The victims are swiftly overpowered and foreclosed upon before a cow chip hits the ground. Few, able to afford a lawyer are cattle-prodded from the courtroom with many opposing barristers threatened to a duel at sunup – or given a gold nugget and told to get out of Dodge. City, county and state officials and judges offer many of these corporate posses’ and their kin a hitching post to set up camp in Texas where these armies of ravenous fire ants can safely continue pillaging while in full site of the state’s timid lawmakers.

This fact was proven during a partial trial in 2004 when the mortgage company, EMC Mortgage of Texas, not only confessed the landowner was never in default, overpaid his escrow and they intentionally tried to steal his home and equity – but – also admitted under oath they never did own his home as they had claimed in all pleadings, hearings, affidavits and depositions over the years.

As the town-folk were preparing for a multiple hanging, the judge shut down the trial. When threatened that her decision would be appealed forever, the snake bitten judge recused herself and gave the bandits a stronger rope to lasso this guy-now forcing him into a fourth mediation. When the landowner refused to settle with this band of thieves, he was hogtied and prodded for 12-14 hours until broken and unsuspectingly had signed away his home – for free. Once the guns were holstered, a brave retired judge stopped EMC from hanging an innocent man, then EMC sued the landowner. The landowner’s attorney then moseyed on at the urging of his firm’s ethics board, leaving this penniless cowpoke to fend for himself against the law firm Fulbright & Jaworski. The outlaws are still trying to steal this lil’ house on the prairie while the courts refuse lawmen access to the secret records containing the guilt to hang EMC and the rest of their posse.

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Most victims of mortgage servicing fraud have a common denominator....their mortgage companies do not provide monthly statements that allow consumers to verify and track how their payments were applied, or if they were applied at all. Trusting -without fear, that your payments are applied free of errors or fraud is leaving your life wide-open to your own personal nightmare. Consumers must review credit card statements, loan statements (of any kind) and credit reports for errors. If you blindly trust your loan payments are applied accurately, simply because you pay your payments on time, and/or you further believe your credit report data is free of errors and reported accurately, odds are good (very good) that you will be paying higher interest rates and insurance premiums...without even knowing it. Worse, ...you might just find yourself in the same courtroom that many of us have, fighting to hold on to your home and your good name.

If you don’t have access to a monthly statement that allows you to verify how your payments are applied –call your mortgage servicing company and ask them to send you a payment history schedule. You just might save yourself from your own personal nightmare. If you believe all consumers should be able to verify how their payments are applied, please sign my petition for monthly statements. If you are a victim, please tell us your story