We are in the process of updating this website and adding new Members.
We are also studying the need for our own VPN: https://www.metaappdesigns.com/axJ-news/
We are presenting this proposal for several reasons:
- As you probably know an AAF member’s email account was hacked. He is an attorney in Portsmouth New Hampshire. We assume the opposition doesn’t want him to receive the info about the Quiet Title and Formella cases. This has
happened before. We sent him the info by FedEx. Would appreciate it if you would call and confirm that we are AAF members and the info is on the
level. - We are sending you the same info that includes the AAF proposal. Perhaps the fastest procedure would be to distribute the information to every AAF member (the proposal includes useful data for every member) and have any attorney admitted in New Hampshire federal and state court interested contact you directly so you have all the names that fit into the AAF compensation plan.
Most of the AAF membership believe that the issues of Due Process and Rule of Law are essential in our democracy, especially in these Trump troubling times. The primary issue in the Quiet Title lawsuit is “Due Process” and the primary issue in the Formella lawsuit is “Rule of Law”. And another primary issue of “Fighting Corruption” spans both the Quiet Title and Formella lawsuits.
Our proposal would help in fighting the Trump White House, preserve the ‘Rule of Law’ and “Due Process”, provide some data about the Fannie Mae fraud associated with the NYAG James case, and establish both an initial as well as a continuing flow of donations to Americans Against Foreclosure ( AAF ) to help continue your excellent efforts.
Washington, D.C. December 16, 2024 – The National Association of Attorneys General elected New Hampshire Attorney General John Formella as President of the Association during its annual Capital Form meeting held December 9-11. “I am honored to lead this important organization at a time when it is crucial for Attorneys General to unite, regardless of party, to protect our communities. In an era of political division, our ability to collaborate and work across party lines is more essential than ever,” said Attorney General Formella.- “As state leaders entrusted with upholding the law, we have the unique opportunity to tackle critical issues like the opioid crisis and drug trafficking. By working together, we can make a meaningful difference, uphold justice and ensure the rule of law serves all Americans.”
- The Formella lawsuit demonstrates with clear and convincing evidence that Formella’s statement did not apply to himself. Formella’s office covered up the criminal complaints against eight individuals involved in Wall Street’s “Securitization Scheme” in an attempt to conceal the fraud and corruption in the State of New Hampshire accomplished by former Governor Sununu, Attorney General John Formella, several dishonest lawyers and many others, including several state agencies. Formella covered up the criminal complaints for these eight individuals: Senior Superior Court Justice Marguerite L. Wageling; Rockingham County Register of Deeds, Cathy Ann Stacey; Rockingham County Superior Court Clerk Jennifer M. Haggar; Rockingham County Superior Court Civil Department Supervisor Sandra Pease; Attorney Bradley M. Lown; Attorney Roy W. Tilsley, Jr.: Judicial Branch General Counsel Mary Ann Dempsey; and Attorney Tenley P. Callaghan. All of these individuals are also defendants inthe Quiet Title lawsuit.
- And the primary reason Formella covered up these eight criminal complaints was to conceal the fact that there is never an unpaid loan receivable account on any claimant’s ledger in Wall Street’s “Securitization Scheme”.
- On May 19, 2022, the Consumer Financial Protection Bureau (CFPB or Bureau) issued an interpretive rule, describing states’ authorities to pursue lawbreaking companies and individuals that violate the provisions of federal consumer protection laws. Because of the crucial role states play in protecting consumers, the Consumer Financial Protection Act grants their consumer protection enforcers the authority to protect their citizens and otherwise pursue lawbreakers. “In the years leading up to the financial crisis, federal regulators undermined states seeking to protect families and businesses from abuses in
- the mortgage market”, said CFPB Director Rohit Chopra “Our action today demonstrates our commitment to promoting state enforcement, not suffocating it.” It openly invites states to excise their authority under Section 1042, Preservation of Enforcement Powers of States” of the Consumer Financial Protection Act of 2010 (CFPA).
Term ends
Formella’s NAAG presidency began in early 2025, but his New Hampshire AG term ended in April 2025 without immediate renomination by incoming Gov. Kelly Ayotte (who took office in January 2025). Ayotte indicated plans to evaluate Formella and potentially other candidates for the role, which is appointed rather than elected in New Hampshire. As of late 2025, Formella remains a prominent figure in national AG circles, though his state-level status may have shifted.This election underscores NAAG’s emphasis on bipartisan collaboration amid pressing issues like public safety and substance abuse. For more, see NAAG’s official release.
Letitia James
The Immediate Past President of the National Association of Attorneys General was Letitia James, New York Attorney General. The Quiet Title lawsuit proves without a doubt that the prosecution of New York Attorney General James was a retaliatory prosecution prompted by Trump. Minnesota Attorney General Keith Ellison on MSNBC’s The Weekend: “… This is a trashing of the American justice system. It always comes with authoritarian takeover.” “We now are in a whole new territory. American institutions must stand up, must hold, so we can maintain and preserve American democracy.”
WASHINGTON, DC –
Today, the Democratic Attorneys General Association released the following statement regarding the weaponization of our justice system to indict New York Attorney General Letitia James.
Statement from DAGA Co-Chairs Delaware AG Kathy Jennings and Illinois AG Kwame Raoul; “Trump’s weaponization of the Department of Justice to attack a democratically elected Attorney General on baseless charges is appalling. His administration has been threatening and harassing New York AG Tish James for months, and this latest action takes his unjust crusade against her to a horrifying new level. AG James has always fought for justice and done right by the people of New York; defending the rule of law and the Constitution should not make her a target for political retaliation. To abuse the power of government to pursue personal vendettas and continually harass AG James for the sake of political retribution is beyond reprehensible.
We firmly stand with AG James and will defend her every step of the way. We call on others who are just as outraged by this administration to push back against Trump’s exploitation of the Justice Department to pursue his political vendettas. What is being done is not only anti-democratic, but it is also simply un-American.”
The Hill by Ella Lee 10/09/25 – New York Attorney General Letitia James indicted on Fraud Charge. An initial court appearance in Norfolk, Va., is set for Oct. 24 before a magistrate judge. Lindsey Halligan, the interim U.S. Attorney for the district, was the only prosecutor on the docket as of Thursday. “No one is above the law. The charges as alleged in this case represent intentional, criminal acts and tremendous breaches of the public’s trust”, Halligan said in a statement. “The facts and the law in this case are clear, and we will continue following them to ensure that justice is served.”
Story by Sarah Rumpf 10/21/25 – Trump DOJ Prosecutor Sent Journalist Dozens of Texts – Then Tried to Claim ‘Off the Record’. U.S. Attorney for the Eastern District of Virginia Lindsey Halligan sent LawFare Senior Editor Anna Bower dozens of text messages earlier this month to complain about her reporting – and then attempted to claim after the fact that the conversation was off the record.
It was most certainly not off the record, and on Monday evening, Bower published screenshots of their texts.
Story by Leigh Kimmins – Gabbard Launches Secret Goon Squad to Target Trump’s Enemies. Top Trump goon Tulsi Gabbard has quietly assembled a secretive network of officials tasked with enforcing the president’s demand for MAGA retribution.
James, who had previously sued Trump for civil fraud, is now facing charges of mortgage fraud, which her lawyers have described as “baseless” and driven by the president’s “desire for revenge”. James’s lawyers said they plan to file a motion that asks for her case to be dismissed and challenges “the unlawful appointment” of interim U.S. Attorney Lindsey Halligan.
Halligan was installed as U.S. Attorney after her predecessor, Erik Siebert, resigned under pressure from Trump. Siebert had balked at seeking indictments against James and former FBI Director James Comey, another Trump foe who was indicted after Halligan presented evidence to another grand jury.
Here are some of the Quiet Title case facts involving Fannie Mae, the SEC and the IRS:
Harmon Law presented the Fannie Mae BORROWER’S FINANCIAL STATEMENT as a “Red-Herring” to bolster the fraudulent “FNMA OWNS THE MORTGAGE” story documents in July 2009 Fannie and Freddie support the nation’s housing finance system through the secondary mortgage market and DO NOT make loans directly to borrowers; rather, banks, credit unions and other retail financing institutions originate home loans to borrowers. Instead, they often sell conventional conforming mortgage loans soon after origination to Fannie or Freddie.
THEREFORE, if Fannie or Freddie have a problem with a “conventional conforming mortgage” loan they purchased from a bank, credit union or other retail financing institution they must resolve the problem with the bank, credit union or retail financing institution, NOT THE BORROWER.
Fannie Mae states that “Single-Family and Multifamily businesses acquire mortgage loans for inclusion in Mortgage-Backed Securities (MBS). Such MBS are secured by a beneficial ownership interest in either a single mortgage loan or a pool of mortgage loans secured by residential properties and are guaranteed as to timely payment of principal and interest by Fannie Mae.” Fannie Mae does not have any beneficial ownership interest in any residential property. In 1998 the regulations were rolled back on the certificates sold to investors in which, by law, the certificates were categorized as private contracts and expressly asserted to be excluded from the category of securities and issuers that were regulated.
In short, there are no securities, trusts, or government documents in any securitization infrastructure.
This practice has been utilized to present false self-serving documents that are treated as facially valid, authentic representations of transactions that in fact have never occurred nor were they ever intended to occur. In fact, the REMIC trust name is only a label used by the investment bank to issue discretionary unsecured promises to pay by investment banks. The SEC is contributing to a myth that the transactions with homeowners were loans, that an underlying obligation was created, and that the underlying obligation was sold in pieces to investors who receive the proceeds of scheduled payments from homeowners and from foreclosures. In most cases, this is patently untrue, as shown in thousands of court cases. No “loan” was sold to anyone, much less to investors who owned shares of loans.
Securitization is the process of breaking up an asset and selling it in pieces to investors who purchase the asset for value and exchange for ownership of a pro-rata share. No such sale occurs in the securitization of consumer debt and in particular transactions with homeowners.
Therefore, all claims regarding the existence, ownership, or authority to enforce promises made by the homeowner are false if they rely upon the illusion that a debt has been securitized. The failure of the SEC to properly regulate and investigate this has resulted in a near-universal and erroneous consensus that the 2008 Recession was caused by risky behavior instead of illegal behavior by the banks.
Ever since the 2008 implosion that was created by the TBTF banks, investors have awakened to the fact that the mortgage bonds in their portfolio are worthless. They are worthless because they were issued by a non-existent REMIC Trust that has never been activated by the receipt of cash from the sale of those securities. So the Trusts were unable to fulfill their one basic function – acquisition of high-grade mortgages. Instead the money was used to originate mortgages without the use of the Trust as a Real Estate Mortgage Investment Conduit (REMIC).
And the mortgages that were originated were mostly fatally flawed in their underwriting and fatally flawed in their execution. Caught with their giant hands in the largest cookie jar ever imagined, the banks negotiated with investors who still don’t want to tell their pensioners or investors that there isn’t enough money in the fund to pay for the retirement benefits that were promised.
In some cases, they offered cash payouts, but those were limited to a mere fraction of the money that was taken by the banks in the false securitization scheme. The SEC is used by Wall Street brokers to deceive the courts, the public and the legal community. The question is related to whether the SEC had undertaken any analysis of the supposedly exempt MBS certificates (in this fraud the “certificates” that were supposedly issued associated with the CWHEQ Series 2007-C Trust). It is obvious that it has not done so.
The agency has taken a position that is contrary to express factual and legal findings in thousands of court cases, administrative proceedings, and settlements. Such certificates are only exempt if they are in fact mortgage-backed pass-through certificates that allow payments from homeowners to flow to investors who bought them. It is an undeniable fact that this is not what is happening and not what Wall Street brokers ever intended. The certificates are not mortgage-backed. In addition, there is no pass-through legal obligation to pass payments from homeowners to investors. Instead, certificates are an unsecured discretionary IOU from an investment bank – i.e. “REMIC” certificates are securities that are not exempt from registration requirements and should be regulated by the SEC. The “Deal Documents” referenced in the fraudulent securitization process equate to a ream of paper that was scanned and then the digital file was uploaded to the SEC. The SEC is not a registry where legal entities are created.
The SEC does not review or approve or even disapprove of documents that are uploaded. Uploading documents does not require an oath that the documents mean anything or are true. The “Deal Documents” often include a “Trust Agreement” that is different from the “Pooling and Servicing Agreement” (PSA) and very often a “Servicing Agreement” that is different from the PSA.
The named “Trust” is actually fictitious because there never were any transactions in which assets were purchased by the “Trust” or in which a Trustor or Settlor purchased assets that were then entrusted to the named trustee of the Trust AND there never was any “Retainer Agreement” between the purported “Trust” and any entity involved in the fraud OR anyone else.
In most court cases, the documents used by foreclosure mills are merely self-serving documents laundered through the SEC Website. If you have the credentials you can upload anything including but not limited to comic books. So for court purposes only they upload as much as they can to the SEC.gov website — and then download it with “sec.gov” in the heading. Then they produce it as a government document (which it isn’t) and ask for judicial notice. Without opposition, the judge grants the motion for judicial notice and that practically means the case is over. Most pro se litigants don’t know what judicial notice is and most lawyers and homeowners take it for granted that they can’t oppose judicial notice for a government document. They forget to inquire whether that IS a government document and invirtually ALL cases, it is NOT a government document, and therefore 1) It is not subject to judicial notice, and 2) The attempt to use it as such is subject to a Motion for Contempt and Sanctions.
This is another example of how the banks are using pure fabrications and weaponizing civil procedure to support their thieving scheme. The only “trust relationship” that can actually be gleaned from the “Deal Documents” is that the Trustee is basically a naked nominee (just like MERS) for the investment bank, for which it is paid a monthly fee with no rights of administration nor any duties or obligations.
From reading the “Deal Documents” it is apparent that the “promise” consists of only a conditional forecast of payments from the underwriter of the certificates that are NOT based upon the payments or even the schedule of payments from any one mortgage or any group of so-called mortgage loans.
In most instances, the Mortgage Loan Schedule (MLS) attached to the prospectus is disclaimed by the prospectus as for example only and does not represent anything owned by the “Trust” — BECAUSE the fictitious trusts do not own ANYTHING.
No trust is regulated by the SEC. No reporting is required of any trust. BUT by filing aprospectus, the investment bank gains access to the SEC.gov site. So they upload documents and then download the very same documents so they can display the sec.gov in the header.
Then then falsely argue for judicial notice of a government document. No document is a government document unless it is created by the government. Since the SEC did not issue the document and never reviewed or exercised any regulatory action, this is not a government document.
It is a private document that the fraudsters have dressed up to look like a government document. Judicial Watch, Inc. v. Clinton, 880 F. Supp. I. 11 (D.D.C. 1995) (“documents are typically not agency records under the Act unless and until they are included within material controlled, created, approved and utilized by the agency itself.”)
Ultimately all filings by the investment bank in relation to the fictitious trusts are followed by a filing that says, “we don’t need to report anything”. In 1998 the regulations were rolled back on the certificates sold to investors in which, by law, the certificates were categorized as private contracts and expressly asserted to be excluded from the category of securities and issuers that were regulated.
In short, there are no securities, trusts, or government documents in any securitization infrastructure.
The Internal Revenue Service (IRS) issued Revenue Procedure 2021-12 on January 14, extending the safe harbors in Revenue Procedures 2020-26 and 2020-34 to September 30, 2021.
For mortgage loans already held by an existing REMIC, such forbearances and related modifications of such mortgage loans: (i) will not be treated as resulting in a newly issued mortgage loan for purposes of the REMIC rules, and so on … And here is the point which highlights the IRS struggles with REMIC Relief – always wrong and never in doubt.
The problem is not whether REMIC trusts, trustees, and beneficiaries should be given extensions of reporting and other relief on the cash flow generated or delayed through REMICs. The problem is that there is no cash flow through REMIC Trusts. There is no real estate. There is no mortgage. There is no investment. And nothing flows through the REMICs as a conduit.
The beneficiaries are not the investors who bought the worthless certificates. The underwriters and beneficiaries are both the same entity: the investment bank book runner. And the named “trustee” neither knows of nor manages any assets.
So much for the Real Estate Mortgage Investment Conduit. There is nothing to extend except the illusion that these REMICs exist.
The Quiet Title lawsuit demonstrates that the thirty-four defendants continue to perpetrate the fraudulent Wall Street “Securitization Scheme” by violating the FOURTEENTH Amendment of the U.S. Constitution ratified in 1868, specifically the “Due Process Clause” that reads no one shall be “deprived of life, liberty or property without due process of law.”
This describes the legal obligation of all states, substantiated by the historic paragraph 22 in the New Hampshire Constitution regarding “due process”. The Fifth Amendment to the United States Constitution says to the federal government that no one shall be “deprived of life, liberty or property without due process of law”.
Wall Street and its many partners use censorship (clamping down on the media, blocking emails relaying the facts behind corruption and fraud by rejection and interception, redacting data from the Internet and the Rockingham County Registry of Deeds, placing false website pages on the Internet, false letterheads, intimidation, retribution, punishment, invalidation of statutes, denying New Hampshire citizens’ their Right-to-Know rights and doing everything possible to prevent the Plaintiff from filing a quiet title complaint in the Rockingham County Superior Court (they were unsuccessful in this effort) BECAUSE no party ever had the right, title or a beneficial interest in the subject property due to the lack of an unpaid loan receivable account on any claimant’s ledger.
And the defendants continue to conceal the fraudulent Wall Street “Securitization Scheme” by invalidating the FIRST Amendment of the U.S. Constitution regarding free speech and the freedom of the press.
The many documented facts exposed in this fraud undermine any enforcement of any claim that is not based on real duty or debt.
Nobody in any U.S. jurisdiction has the legal right to seek a foreclosure judgment or to use the power of sale in non-judicial foreclosure UNLESS they have purchased the underlying obligation for value (money).
The forms used as “guides” in foreclosure proceedings all assume a valid claim (involving the New Hampshire powerless and deceptive “Power of Sale Clause”) without requiring any party to actually assert the basic elements of any civil case. These assumptions lead to presumptions at law regarding the existence, ownership and authority to collect any money from the homeowner. The transactions that the homeowner signed were not mortgage loans. If there is no lender, creditor or loan receivable account in any ledger, there cannot be a loan that is recognized in our legal system, nor should there be.
The mortgage lien is designed to protect from financial loss – not to promote financial GAIN.
The original transaction consisted of an incentive payment paid to or on behalf of the homeowner in exchange for the issuance of documents that created the illusion of a loan transaction.
Thereafter, no party treated the transaction as a loan, nor did any party claim ownership of an unpaid loan receivable account on their accounting ledgers. But documents were filed in support of fraudulent claims for foreclosure remedies that appeared to be facially valid, raising the presumption that the loan account existed.
Both the Quiet Title and the Formella cases are very high-profile cases that will be talked about around the kitchen table because in the United States, in terms of identifying and having the courage, character and moral compass to publicly identify and try to correct some of the major fraud and corruption issues that touch the lives of just about every American property owner is unique.
Regarding the Quiet Title case 218-2025-CV-01007
The Rockingham County Superior Court has ordered that Plaintiff serve the package that includes the SUMMONS IN A CIVIL ACTION, NOTICE TO DEFENDANT, the 1 st VERIFIED COMPLAINT TO QUIET TITLE, the 2nd VERIFIED COMPLAINT TO QUIET TITLE, NOTICE OF PENDING ACTION (LIS PENDENS), NOTICE OF LIS PENDENS, AMENDED COMPLAINT and the Thirty-One MOTIONS FOR DECLARATORY JUDGMENT.
The FIRST fraudulent recorded document in this fraud was the so-called “Security Instrument”
dated August 31, 2005 recorded at the Rockingham County Registry of Deeds as CCO
MORTGAGE 4555-1413 through 1433. The document declares the “Lender” is CCO Mortgage
Corporation organized and existing under the laws of the State of New York. Actually the CCO 19085968 transaction was table-funded by RBS Citizens Bank, N.A. Under the lending laws of New Hampshire (including the State’s SAFE Act), a home mortgage lender must have a license to make home loans. However, CCO Mortgage Corporation was not licensed by the New Hampshire Banking Department (NHBD). So no valid loan could be made in the name of a non-existent lender.
In all states, if a corporation is not registered with that state, it has no legal capacity to conduct business.
The defendants didn’t comply with the New Hampshire Secretary of State’s “Registration Rules”: All foreign business trusts and corporations established outside New Hampshire have to register with the New Hampshire Secretary of State in order to transact business.
Trustees must file an application, along with legal affidavits affirming its trust agreement and identifying all trustees, and pay the appropriate fee. Without registering with the New Hampshire Secretary of State the so-called “Corporations” and “Trusts” could not acquire property or transact business in New Hampshire. By these rules, all New Hampshire foreclosures involving a REMIC Trust or Corporation not registered in New Hampshire would be illegal and unenforceable.
Even completed foreclosures would be subject to wrongful foreclosure claims. Two of the major entities in this fraud are The Bank of New York Mellon f/k/a The Bank of New York for CWHEQ Revolving Home Equity Loan Trust, Series 2007-C and CCO Mortgage Corporation.
On August 29, 2025 we filed in New Hampshire’s Rockingham County Superior Court Case No.
218-2025-CV-01007, a Verified Complaint to Quiet Title. Lewis Sykes, Plaintiff, v. Eric Schroeder,
Suzanne Heiser, and John Does 1-32 (Unknown Defendants Claiming an Interest), Defendants.
Also filed were the NOTICE OF PENDING ACTION (LIS PENDENS) and the NOTICE OF LIS
PENDENS.
Plaintiff alleges that the chain of title to the Property has been corrupted by
fraudulent conveyances, misrepresentations, or false filings perpetrated by Defendants
Schroeder, Heiser, and/or others acting in concert with them.
All the legal work has been done or will be completed by IPS paralegals for both the Quiet Title
and Formella cases. We are now searching for attorneys that are admitted to practice in New
Hampshire federal and state courts.
The compensation will be $750,000 per New Hampshire attorney for 1) Negotiating the settlement for the Quiet Title lawsuit, and 2) Filing the Complaint and negotiating the settlement for the Formella lawsuit.
We are suggesting that, through the AAF network, you identify attorneys admitted to practice
in New Hampshire federal and state courts that will join our “Legal Team”. There will be two
levels of compensation and one level for the initial donation to AAF:
Level 1 for a sole practitioner: $750,000 to the “Law Office” of the Attorney and $750,000 to
the Attorney.
Level 2 for a small law firm with up to four attorneys: Number of Attorneys times $750,000 to
the law firm and $750,000 to each attorney (with at least one attorney being admitted in New
Hampshire federal and state court).
This level also applies to large law firms providing up to four attorneys, with at least one attorney being admitted in New Hampshire federal and state court).
Level 3 for the initial donation to AAF: $750,000 times the number of attorneys included in
Levels 1 and 2.
Neil Garfield ran a site called LivingLies that was considered by many to be the intellectual
birthplace of the fight against corruption and foreclosure fraud. Neal’s Mission Statement was:
“We want to convince homeowners to fight illegal foreclosures and win — not merely delay a
negative outcome. And we want them to go further – to pursue those who make false claims
for monetary damages. In fact, I want homeowners to clear their title – expunging or removing
or canceling the mortgage lien.”
And this is the late Neil Garfield’s unfulfilled vision: GARFIELD PROPOSES NATIONAL LAW FIRM
FOR COUNTER-ATTACK: This plan is a golden opportunity to do something right – attack the
massive Wall Street “Securitization Scheme” frauds and the participants.
It sounds like a David vs. Goliath situation, one of those quixotic adventures that you don’t often anticipate will succeed. In the United States, in terms of the Garfield National Law Firm identifying and having the courage, charter and moral compass to publicly identify and try to correct some of the major fraud and corruption issues that touch the lives of just about every American property
owner – is unique.
The most perplexing part of this mortgage mess has been the unwillingness of the legal community to take on the Banks and the billionaires. Garfield said that “Lawyers and victims of wrongful foreclosure should be able to pool their resources to attack the massive foreclosure attack with a massive anti-foreclosure attack”. The continuing payments to AAF will be provided by the fifty-two Garfield National Law Firm Affiliates – a fixed payment per case on every case processed through every affiliate forever (each GNLF Affiliate will be incorporated and associated with a trust administered by trustees). Any questions, please just ask. We have attached the Quiet Title Lawsuit Defendants, Quiet Title Note and the Formella Case Details documentation for your review. For further information please email us at: Lew_sykes@hotmail.com