Article Image Ernest Hancock
Letters to the Editor • Housing

The corrupt MERS scam


Dear Fellow Freedoms Phoenix Readers,

Around 2009, I learned about the business practices of people working for mortgage "lenders" following their receipt of closing documents.  The process of securitization took many years for me to grasp and quite frankly, is still difficult to fully comprehend by myself and most people.  

The Great Foreclosure continues to define a time in our nation's history that has forcibly evicted millions of homeowners and families from their homes and off their property.  People in the financial services industry with the assistance of public officials acting outside their lawful authority, have carefully executed a complex game of bait and switch.

Several years ago, I began examining my Deed of Trust, Promissory Note and documents filed into county records.  Little by little I discovered a series of inconsistencies in these documents with the business practices of various businesses and government institutions.  My research led me to numerous foreclosure defense websites, licensed private investigators, mortgage compliance analysts and other people involved with document preparation services.

Last year, I was introduced to a Licensed Private Investigator from the State of Texas who specializes in mortgage compliance investigations.  While there are several excellent investigators across the country, I found his chain of title analysis and report to be among the best available concerning my property documents.  Following his independent investigation, he discovered numerous violations of state and federal statutes, the Uniform Commercial Code, as well as numerous business practices contrary to the Mortgage Electronic Registration Systems Handbook and the Pooling and Servicing Agreement associated with my "loan".

Additionally, when I attempted to disclose his findings into the county record, I was met with resistance and ultimate refusal by the clerk and her supervisor to file my Commercial Affidavit and Notice of Interest, as well as the investigator's affidavit following his investigation, which clearly identifies existing documents filed into the county records on my property are misleading, falsified and fraudulent. 

I have already traveled the long and weary path of seeking justice in federal courts, however, I have found the rights of Americans are typically ignored without explanation and the opposition usually wins.   

So now, following years of resistance and non-responses from people acting outside their lawful authority and job descriptions, the time has come to file a criminal complaint and petition for redress of grievances with the United States Attorney's Office. 

I hope you will take the time to carefully review the complaint and share my story far and wide.  And, if you know someone who is threatened with losing their home or property, or someone who already has, there is still hope they can recover from a horrible nightmare.  Afterall, as so well stated by Edmund Burke in a letter to Thomas Mercer – "The only thing necessary for the triumph of evil is for good men to do nothing".          James Will Bonham, Glendale, Arizona  602-565-1456,

20180905 James Will Bonham CRIMINAL COMPLAINT PDF


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