Complaint Review: ABN AMRO Mtg. Grp - Chase Manhattan Chelsea Title National Mortgage Funding Mid America Land - Cincinnati Ohio

It is my belief that there has ever been a case where I have discovered such widespread scandal. Currently, my husband and myself have a major case in federal district court. To get there was no easy tasks. For the past two years, I have been my own private investigator to check out 4 properties my disabled husband bought in one year. We were recently marries, and my husband found an apartment bldg. with 3-4 bedroom apartments, kitchened equipped, for $39,000,(in good shape),from a tycoon developer in a chapter 11 bankruptcy. We didn't know alot about bankruptcy, but this apartment building looked like a good money maker.

We couldn't get financing for this building for 5 months, and it couldn't be held for us any longer. We were heart-broken, because we suffered from financial difficulty. My husband, got re-acquainted with a buddy he had known years earlier, who had become a mortgage broker. (I won't go into every detail of our journey through this process, because it would be a book.)I was in the process of repairing my credit. My husband is dyslexic, and never had credit cards before he met me,however I managed to get him in the credit buruea, but he had a short history. My husband was talked into buying approx.$400,000 in bait and switch rental properties. We were not straw buyers, and honestly tried to make these overpriced payments, but unbeknownst to us, one of the houses had asbestos, super faulty furnace, and bad wiring. We had to shut that 2-family house down which was a domino effect on our other bills. We went to a bankruptcy attorney that told us to give the houses back, and there was nothng we could do. My husband had been told by a disgruntled employee of the broker that they were making fun of how they were using us, didn't hardly pay anything for the houses, and pasted deeds together. Remembering what that guy said they did to us I made it clear I wanted to keep our rights to sue open, so the attorney told us we could file for a Chpt. 13 to keep that option. Then the bankruptcy attorney told us to talk to an associate of his that might help us in our flipping matter. He didn't do anything for months, and he referrred us to someone else that treated us the same way. I asked my son to help, but he didn't have time, and told me to go to the law library myself. That point on, for 2 years, I've been visiting 3 law libraries, and it has made a big difference in my case. When all this litigation is over, I hope to write a book to encourage other people, so they won't have to stay hopeless victims of legal abuse.

Now I know if a lawyer is lying, or holding back on options I could use to stop foreclosure. We have many issues unresolved with our case and multiple defendants. It is only here lately, that I have learned the bankruptcy court could have employed a law firm to help me fight for our rights to keep the houses. There are several federal laws that pertain to our case, that we could use to fight foreclosure. Right now because of the highly scandalous nature of our case we are in the process of requesting for a change of venue. The history of the previous owners indicates that the bankruptcy court and others could not have bias when it comes to our case. There is alot more to tell, but I have written so much already. This is no hoax, and we have written evidence to prove our case. It is our beleif that we are victims of reverse-redlining. This practice involves lenders who give mortgages they know the person won't be able to pay long,so they'll get paid the PMI money through the foreclosure. In our case our ignorance was so severly aken advantage of. For example, one woman who previously owned the house, still owned it for 16 months after we closed. Then they tried to hurry up and sell the houses without going through the due process, knowing full well there was a court date set.

One of the deeds is so pasted together, it doesn't make sense, and has the wrong county on it. Yet the title company, got paid all that money on our bill, yet turned their head when it came down to doing the right thiong to protect us.We got charged for an appraisal that was never done. The real estate tax bill was put in our name on one of the houses before we bought the house, and it quadrupuled in price the two years following that with no appraisal being done. This is just a touch of our complaints. Once ignorant about my rights, I've learned, and am still learning what to do to fight back. Owning property is the American dream to most, and once it's taken, it's hard to replace. We ask this system here in Cincinnati, Do you give everyone this horrible, sneaky treatment, or do you just treat the undereducated like this? Your feelings?

AMY

CINCINNATI, Ohio
U.S.A.

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