Modification Hell: The Illusion of Relief, The Reality of Entrapment

This article expands upon the investigative findings and conclusions published in the May 20, 2025 abstract titled “How Your Mortgage Became a Wall Street Security Without Your Knowledge,” by the same author. It delves deeper into the deceptive modification practices that emerged during and after...

Abstract: How Your Mortgage Became a Wall Street Security Without Your Knowledge

How Your Mortgage Became a Wall Street Security Without Your Knowledge, by William Paatalo is a foundational resource for understanding systemic irregularities in mortgage lending and securitization. Rather than include the full text here, I have provided a synopsis below, with the full PDF available for...

FDIC Now Admitting In FOIA Requests They Have No Responsive Documents Regarding The Sales Of WaMu Loans To Chase Through The Receivership

For years, people have been sending Freedom of Information requests under FOIA to the FDIC seeking information regarding the sale of their Washington Mutual mortgages, deeds, and notes, including the servicing rights, from the FDIC to JPMorgan Chase Bank via the Receivership on 9/2/2008. And for years, the...

Hudson Homes Management, LLC Fails To Defend It’s Agency With U.S. Bank Trust, N.A. as Trustee for LSF9 Master Participation Trust

The following is an eviction case out of Ohio brought by the Plaintiff “Hudson Homes Management, LLC” claiming to be both the owner of the property and the agent for the lessor – LSF9 Master Participation Trust. I assisted Defendant’s counsel who, based upon my findings and evidence,...

The U.S. Government’s Involvement In “Foreclosure Genocide” Revealed

Late last year, in the U.S. Bankruptcy Court for the Eastern District of Washington, a proof of claim was filed on behalf of an alleged “secured creditor” named “U.S. Bank Trust, as Trustee of LB-Igloo Series IV Trust.” Subsequently, this alleged creditor filed the following proposed order, which...

U.S. Bank Trust, N.A. Files False (Fraudulent?) Disclosure In Massachusetts Federal Court?

Here is an example of a corporate disclosure filed in Massachusetts Federal Court under Rule 7.1 by Defendant “U.S. Bank” that is brazenly deceptive and provably false. The defendant is named as “U.S. Bank Trust National Association, not in its’ individual capacity but solely as...