Mortgage Justice Group The Hanging Together for Justice Foundation Thousands of Concerned Citizens Senator President Mike

Haridopolos 409 The Capitol The President's Office 404 South Monroe Street Tallahassee, FL 32399-1100 Dear Senator President Haridopolos, I am writing in regards to SB 1890, scheduled to be heard and voted on Monday Feb. 27. This bill has m any Constitutional Issues and Rules of Civil Procedure violations. Many of us have been traveling to Tallahassee to speak at the com m ittees and it has been m et with either disregard or strawhorsing the issue. W hen HB 213, the com panion bill, was scheduled for the Econom ic and Affairs Com m ittee on the sam e day as an already scheduled Foreclosure Rally, the bill was taken off the schedule and instead the im m unity bill was debated for 2 1/2 hours. Hom eowners and concerned citizens had traveled in buses all night to have their voices heard against this egregious bill. Then several of us traveled to Tallahassee again for the Senate Judiciary com m ittee where we were given 2 m inutes to present our views. After we spoke, Senator Latvala, Senator Richter, Rep. Passidom o, Rep. Steube and the other Republican senators got up from their chairs and stood together behind the cam era, then sat back down and strawhorsed abandoned properties then said, The bill is all about abandoned properties. W hat we had presented was inform ation you will find attached to this letter, about the constitutional issues and Rules of Civil Procedure violations and other im portant inform ation. Next, the House Judiciary Com m ittee then m et and gave the bill 5 m inutes at the end of the session, giving those present 30 seconds to present their views. Needless to say, we do not feel heard or represented by the legislators and that is the reason for this letter and attachm ents. The contents may have a huge impact on whether the Senate decides to place this unconstitutional bill to the floor for a full vote. Our position is that it should be tabled until next year when it can be fully vetted. Please note the rem arks by the esteem ed Mr. Henry Trawick, iconic author of Florida Practice and Procedure. He very succinctly says to delete whole sections of the bill. Obviously, we all know there is a huge problem in Florida with the foreclosure situation. However, if you really look at the problem s, it all com es down to a problem with the banks, which this bill doesnt address. On the contrary, despite that Rep. Passidom o denies that the bankers are involved in the bill, the senators in the com m ittee sessions ask the representative of the banks what they want to do or say in the bill. Point taken! Sincerely, Mortgage Justice Group, The Hanging Together for Justice Foundation and all Concerned Citizens and Hom eowner in Florida cc: Senators in Banking and Insurance Com m ittee: Senator Latvala; Rep.Passidom o; Rep. Steube

February 23, 2012

Dear Senate Banking and Insurance Committee Members It is quite clear, the Florida Bankers Assoc wants to expedite the fraudulent practices of foreclosures under the guise of improving the stream of commerce. Yet, interestingly, there are 10,794 cases, not in the entire state, but 10,794 cases in one county alone, Palm Beach County, where Summary Judgment has been issued more than a year ago, yet the banks have not filed for a sale date or certificate of title. Since they seem to be in no rush to finish taking possession of this many homes, why the need to rush foreclosures? To verify these statistics in your home counties, contact the Clerk of the Courts. Or contact me, I will gladly assist you in finding this information for your counties. Further, Representative Passidomo states this bill will benefit all Florida Homeowners. Yet I know of no informed homeowner supporting this bill, as all have been voicing their objections. In fact, there has even been several people representing many homeowners in some of these committee meetings that all oppose this bill for obvious reasons. In 2011, John Obrien, South Essex MA Recorder of Deeds had an independent audit of his records and found 84% of foreclosure cases contained either forged, fraudulent, or false documents in cases. Just last week, San Francisco Assessor-Recorder issued a report of the records in his office and stated 99% had one or more irregularity. 84% appear to have one or more clear violations of law. Analyzed 6 areas, and found 67% had violations in 3 or 4 areas. According to another recent report, the FBI admits 80% of mortgage fraud has been committed by the bankers, not homeowners. I myself have reviewed over 900 foreclosure cases, most from Florida, but a few other states. My research has shown even worse statistics that what these audits have revealed. While I have no doubt there may be rare instances where it occurred, so far, I have not seen one homeowner submitting forged,

falsified and/or fraudulent documents into their foreclosure cases. Nor do these audits state any such documents have been submitted by homeowners. The only real supporters of this bill are the bankers, the same ones that do not have the grounds to file foreclosures in at LEAST 84% of cases, and have had Summary Judgment issued in 10,794 cases in Palm Beach County alone, yet are not making any effort to put them back in the stream of commerce as they contend. Please take the time to research this, this is all information that is verifiable and based on facts, not companies such as LPS and it's subsidiary DOCX that has just been indicted by the Missouri Attorney General, yet their information was utilized to support and get this bill as far as this committee. Voting yes will be your approval of additional homes not in the stream of commerce and legalizing fraud in foreclosures. Thank you,

Ronald Gillis
P O Box 380842 Murdock, FL 33938 (941) 766-8279