Hi my name Nick Ramirez my water just got trun off need help paying my bill dont have all the money.
This letter is all true 100% need help I am notgoing to give up. You will read every thing that has gone on and how the mortgage company has try to lie and who has help along the way and who has not.
If you like to look at my case
File in Alameda Superior court of California County Case No. RG07353134
a I Nick Ramirez would like to tell you my story and expeirnce also a borrower and witness now repenting my Self in Superior Court. Regarding predatory lending mortgage fraud along with forgey. How this has been a very emotional and discecncoting experience I have been victinzes by the broker and the mortgage company that has been very uncorpcorrble trying to resolve this very serious matter and has fail to comply or provide a reasonable written reports regarding the investigation to my complaint. Also included is a letter that was send to the Department of Real Estate Deputy Commissioner Ms. Jenna Boutilier regarding my complaint against Shelly Poe, the Loan Broker with Pinnacle Financial & Real Estate Inc. Has fail to help even with all the evidence that I provide.
Also Mr.Cong Le of Pinnacle Financial, who is Shelly Poe’s boss, insisted to Randall Yip from 7 On Your Side, that he was the broker that helped me with the loan transaction in question. He said that Ms. Poe had nothing to do with the loan transaction at all. Mr. Cong Le is not telling the truth. I have never met or talked to Mr. Cong Le at any point during the loan process, or regarding any other matter.
Included my complaint against AMC Argent Mortgage Company the lender that (fail) to provide me their commitment of honesty and good faith. All that has been provide is dishonesty, misrepresentation and filed false information regarding the findings of their own internal investigation regarding my complaint. In this letter is a recap from the start in till this dated?
I have been on my own as you can see can not keep doing this with out legal help.
I thank you for your time and am only greatly appreciated, it is also crucial to my case.
Thank you
Nick Ramirez
Yes we made it though these round one more time no one show up to court. Yes we did. This is what the Court gives us.
Today recap January 29, 2008
The Unopposed Motion to Strike Plaintiff Nicolas Ramirez's Complaint, by Defendants CR Title and Argent Mortgage Company's (Defendants) is DENIED as follows. Defendant's request to strike paragraph 18 of Plaintiff's Complaint which includes allegations regarding attorney's fee, is DENIED based on the authority cited .In light of the Court's Defendant's Demurrer to the Second Cause of Action ,the remainder of Defendant's Motion to Strike is MOOT.
The unopposed Demurrer of Defendant CR Title and Argent Mortgage Company's (Defendants) to Plaintiff Nicolas Ramirez (Plaintiff) Complaint is SUSTAINED as follows:
Defendants Demurrer to the First Cause of Action for Declaratory Relief, is SUSTAINED WITHOUT LEAVE TO AMEND, to allege if possible a cognizable claim against Defendants.
Defendants Demurrer to the Second Cause of Action for Injunctive Relief is SUSTAINED WITHOUT LEAVE TO AMEND. Korean American Legal Advocacy v. Los Angeles (1994) 23 Cal. App. 4th 376,399.
Plaintiff shall file and serve an amended pleading within 14 days.
From the Honorable Judge Kenneth Mark Burr.
January 24, 2008 I received court documents from the lawyer of Argent mortgage Co and CR Title Services., Pinnacle Financial. The lawyers file Notice of Non Opposition to Demurrer to Complaint. Ramirez has fails to file and serve an opposition to Defendants notice of demurrer and demurrer to complaint within 9 court days. And I should be allowed to tardily submit to this demurrer without order. These lawyer no that I don't no the law that not fair. I have been unable to obtain a lawyer to represent me in this matter. I have managed to come this far without one, but am afraid that if I go to court I will lose simply on technicalities.
October 25, 2007 I filed a Temporary Restraining Order and Preliminary Injunction against Citi Residential Lending (formerly Argent), CR Title Services (formerly AMC Mortgage Services), and Pinnacle Financial Real Estate. To enjoin the foreclosure on my property. . On November 1, 2007. The Judge Kenneth Mark Burr denied my TRO. A Motion to Demurrer and a Motion to Strike Complaint were filed by the Attorneys for Defendants CR Title Services and Argent Mortgage Co.
Ms. Jenna Boutilier
Deputy Commissioner; Department of Real Estate January 21, 2008 1515 Clay Street, Suite 702
Oakland, CA 94612-1402
File No: 507-0926-004
Re: Poe, Shelly
Pinnacle Financial and Real Estate Inc.
Dear Jenna Boutilier,
I am writing this letter to you in response to the letter you sent me on Dec. 12, 2007 regarding your investigation to my complaint against Shelly Poe, a Loan Broker with Pinnacle Financial & Real Estate Inc.
I thank you for your time, and your support is not only greatly appreciated, it is also crucial to my case. Currently there is more evidence of wrongdoing by the respondent listed below. I have also recently acquired two credible witnesses that are willing to testify on my behalf. The evidence I have proves them guilty of misconduct, fraud, forgery, and identity theft. According to my legal advice, this new information is more than enough to successfully file disciplinary action.
With respect to the state of California and their licensed officers, there are three companies that have committed acts involving dishonesty, misrepresentation, and forgery. They have also filed false information regarding the findings of their own internal investigation regarding my complaint. I allege that the following licensed public officials have committed a criminal offense:
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Ms. Shelly Poe, Broker
Mr. Cong Le, Broker
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Pinnacle Financial and Real Estate Inc.
Tel: (510)866-3752 Fax: (408)228-6017
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Mark Ver. Planck, Lead Internal Research Analyst
Danny H. Hernandez, Office of the President
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AMC Mortgage Services, Inc.
Tel: (866)461-0913 Fax: (714)347-5037
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Kinkeo Kangnavong, Legal Analyst II, Legal Dept. |
ACC Capital Holdings Corporation
Tel: (714)558-5355
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Ms. Shelly Poe misrepresented herself as a Licensed Broker, and conducted this real estate transaction. Operating without a valid Broker License, this is in direct violation of Financial Code Section and is considered fraud. In addition, my income was falsified and forged all loan documents. This is a serious offense, considering that I should have never even qualified for the loan for which I was approved.
Shelly Poe also acted as Notary Public on the Grant Deed dated April 172006, With respect to Ms. Poe, I believe that she failed to fulfill her duties as a notary public officer for the State of California, who as an officer must abide by a code of conduct which states, ‘Prior to granting an appointment as a notary public, the Secretary of State shall determine that the applicant possesses the required honesty, credibility, truthfulness, and integrity to fulfill the responsibilities of the position.’
On July 25, 2007, I received Shelly Poe phone number and address from the Secretary of the State. I requested from her a copy of my thumbprint and signature of the line item representing the transaction on the Grant Deed. Shelly Poe never returned my calls or responded to my request. I repeated this request, via certified letter, which was returned undeliverable August 3, 2007. I also called Ms. Shelly Poe on the same date, only to find her phone was disconnected. I have never received a response to this certified letter sent July 26, 2007. Still, Ms. Poe has failed to provide me with my official thumbprint and signature, which should be in her Notary Public journal. If necessary I will provide your office with copies of my formal request. Shelly Poe show’s actions of misconduct, as a State official Notary Public. Witness #1: Galina Marie Plizga - Notary Public, License/ Commission #: 1383345
So. San Francisco, CA 94105
601 Gateway Blvd., 6th Floor, Room 670
Phone: (650) 989-0008
Ms Galina Marie Plizga is a true Notary Public officer, who was hired by Ms. Poe and served as the official Notary Public on the original loan documents signed at my home on April 11, 2006. I do not dispute the integrity of the document signed during this meeting, including specifically the Deed of Trust. I did not understand why the documents later filed by AMC Argent Mortgage Company, did not appear to be the same documents I signed at my home. Because of my concerns I decided to contact the Notary Public to confirm my suspicions. On Thursday, December 13, 2007, I finally met privately with notary public Ms. Plizga and she gave me two documents with my thumbprint and signatures from her official journal. These signatures did not match the signature on the Deed of Trust actually filed by AMC Mortgage and dated April 11, 2006. This discrepancy proves signatures on the loan documents including the Deed of Trust were forged and all loan documents pertaining to this loan should be considered invalid. After verifying the signatures, I informed Ms. Plizge that the signatures did not match. My name was not only forged, but Ms. Poe acted as notary public notarizing the Grant Deed dated April 17, 2006. Ms. Plizga informed me that is considered a conflict of interest and Shelly Poe can not legally act as Notary on this loan because she is also listed as the Loan Broker. Ms. Plizga was present and is willing to bear witness that Ms. Poe was also at my home on April 11, 2006 and is the person I dealt with regarding this loan. Witness #2: Randall Yip – Channel 7 on Your Side News
900 Front St
San Francisco, CA 94111
Phone: (415) 954-7524 Fax: (415) 954-7515
In my quest for help on this matter I contacted Randall Yip, a representative of Michael Finney with Channel 7 on Your Side. I faxed an authorization letter to all parties involved, giving them permission to discuss my case including my concerns regarding the integrity of the loan transactions filed by Ms. Shelly Poe and Pinnacle Financial, executed in April 11, 2006.
A phone interview was scheduled and took place on September 18, 2007 between Randall Yip from 7 on Your Side and Cong Le, Broker with Pinnacle Financial and Real Estate.
Cong Le of Pinnacle Financial, who is Shelly Poe’s boss, insisted to Randall Yip from 7 On Your Side, that he was the broker that helped me with the loan transaction in question. He said that Ms. Poe had nothing to do with the loan transaction at all. Mr. Cong Le is not telling the truth and therefore he has committed fraud. Ramirez, have never met or talked to Mr. Cong Le at any point during the loan process, or regarding any other matter.
I have saved copies of my e-mail correspondence with Ms. Shelly Poe, the only ‘Broker’ I was in contact with during the entire loan process. The messages begin February 28, 2006. There were 6 e-mails during March 2006, and 7 e-mails sent in the month of April 2006. I have a total of 32 e-mails that provide evidence that Ms. Shelly Poe and I spoke on a regular basis though out the year 2006. Upon request, I will be happy to provide your office with copies of this correspondence.
Randall Yip questioned Mr. Cong Le regarding the Grant Deed signed April 17, 2006. When Mr. Cong Le was initially questioned, he denied any knowledge of the transaction on April 17, 2006. Shelly Poe’s name was listed on Grant Deed as Broker, and ironically she also signed this document as the official Notary Public – Comm. # 1580710. Since he apparently was unaware of Ms. Poe’s wrongdoing, Cong Le requested Randall Yip to fax him a copy of the Grant Deed. The document was not sent, but unfortunately after this point, Mr. Cong Le would no longer take phone calls, or return messages to Randall Yip 7 on Your Side.
I never saw Ms. Shelly Poe on April 17, 2006 and I can prove my signature was forged on this document and on the Deed of Trust which they filed as the official document with the Alameda County Records. Randall Yip forwarded copies of these documents to Mr. Jim Blanco, a handwriting analyst who works for the Department of Justice. Mr. Blanco determined that all the loan application signatures on the loan documents were forged with Pinnacle Financial. An official written report of his findings would cost an estimated $1000; unfortunately Channel 7 on Your Side does not have it within their budget to cover these costs to support my case. Please feel free to contact Mr. Randall Yip at Channel 7 to confirm the findings of their investigation.
In August, 2006 I became delinquent on my house payments, as well as my utilities. Worried about my situation, I called Argent Mortgage to see if they could help - they turned me down because of my poor credit status. To my surprise, Ms. Shelly Poe called me and I updated her on my financial crisis and she offered her assistance in this matter. She informed me that she was going to submit new loan documents to get An Option Arm loan. She told me not to worry, because this was going to reduce my payments in half. Thinking this was the only solution; I accepted her assistance and agreed to the terms of her offer. I finally spoke with Ms. Poe again during the first week in October, 2006. She informed me that we would be signing the new loan documents on October 11, 2006, after the three-day weekend. I told her that my water bill was overdue, and she came to my house, on Friday, October 8, 2006. Ms. Poe gave me $200.00 in cash to pay my water bill. She told me that she would be back on Tuesday to sign the loan documents to get An Option Arm loan. Again, she told me not to worry. On Tuesday, October 11, 2006, she never came by, nor did I receive any phone call. I finally reached her the next day and she informed me that she was not able to obtain the loan she had promised me. She stated that under the terms of this new loan my monthly payments would go from the $3,870 up to $4200.00 monthly. In addition, I would only receive $6,000.00 cash back. I told her that I could not accept that loan, she basically told me that was all she could do. She hung up on me, leaving me in shock. A few days later, she called me and stated that she had a friend with good credit, and that if I signed my house over to her, she could get me the monthly payment I was looking for. Well, I immediately told her that I would not be signing my house over to anyone, and I basically never heard from her again. Argent’s Commitment to Fair Mortgage Lending Practices Printed, November 9, 2006 (fail) to provide me their commitment all that has been provide is dishonesty, misrepresentation and filed false information regarding the findings of their own internal investigation regarding my complaint with AMC Argent Mortgage Company. About there wrongdoing and responsibilities to fulfill truthfulness and honesty, in these 6 (six) pages there are evidence and violations that have been committed. This is fraud. There 6 (six) pages regarding the Broker’s, Argent’s Commitment a higher standard to which we hold ourselves and independent mortgage broker ,for the purpose of ensuring consumers are fairly evaluated informed ,and pay fair costs for receiving mortgage lending services.All the information regarding the findings in this letter is misleading because there has been, identity theft, forgery, fraud though the hold investigation regarding my complaint by. AMC Argent Mortgage Company and ACC Capitol Holdings Company a parent company of, Argent Mortgage
About there wrongdoing and responsibilities to fulfill truthfulness and honesty,May 3, 2007 I Ramirez receive a letter from. Mr. Mark VerPlanck of Argent Office of the President.Requesting information response to clam of identity theft.Stating we under stand that identity theft is a very emotional and disconcerting experience. Identity theft victimizes both you and Argent and your cooperation is both appreciated and necessary in order to resolve this issue and this is a very serious matter .Should you elect not to provide Argent with the requested information we will forced to disregard your claim of identity theft. After receiving this letter from Mr. VerPlanck he give me a call said not to worry that he was going to help me and promise to restate the loan and also fix my credit .I Ramirez believe Mr. VerPlanck and provide him with all the information that was request and needed . Mr. VerPlanck could have stopped this serious matter but he was not been honest and truthful. June 28, 2007 I Ramirez receive a letter from Mr. VerPlanck of Argent Office of the President.
That they have conducted an exhaustive investigation .After a thorough review of the loan file the documentation provided by you and the information gathered during our investigation, we have not uncovered evidence of any wrongdoing on the part Argent Mortgage Company. We have determined that you were not a victim of identity and that all terms of this transaction were fully disclosed to you in writing at the time of closing. Also in this letter it state that there is many options are available to bring my account current. I never receive the options, Mr. VerPlanck lead Ramirez on with there misleading investigation committed acts involving dishonesty, misrepresentation, they have also filed false information regarding the findings of their own internal investigation regarding the complaint. The following have committed a criminal offense. Mortgage fraud
July 31, 2007. Ramirez received a letter from Danny H.Hernandez from Office of the President AMC Mortgage services that has replace Mr. VerPlanck after Ramirez file a complaint of his action involving dishonesty and misrepresentation, also filed false information in his exhaustive investigation.Ms.Hernandez response to the correspondence received in the Office of the President AMC Mortgage services (AMC) on July 19, 2007.Concerning the allegations that the loan documents were forged.Argent completed a thorough investigation and determined that the documents were valid and they did not uncover evidence of any wrongdoing on the part of Argent. Also in Ms.Hernandez letter states that there is possible forbearance plan. Ramirez receives this letter on August 2, 2007 that left me five day for my home to go on sale on August 7, 2007. Never received a notice of Default, or a notice of Intent to foreclose.Ramirez did send the personal financial statement that was request never got any response back.Ms.Hernandez Lead a misleading investigation filed false information dishonesty, misrepresentation in her own internal investigation.
On August 29, 2007 I received, via Fed Ex, from Kinkeo Kangnavon, Legal Analyst II, Legal Department ACC Capital Holdings Corporation, a parent company of Argent Mortgage Company, LLC., a letter responding to the complaint that I filed with the State of California Department of Corporations; File No. 413-0578. After reviewing the letter, I found several statements that are not accurate. I immediately called Ms. Kangnavong to discuss these issues. Below is a recap of our conversation.
First, her letter states that based on the information and supporting documentation provided by your Broker, Argent approved me for a loan for $550,800.00 at an adjustable interest rate of 8.100 %. It then states that I acknowledged and agreed to the same, as evidence by the loan documents I signed at closing on April 11, 2006.
Please find enclosed some of the loan documents I signed at closing bearing my signature, including the Reduced Payment Adjustable Rate Note, Deed of Trust, Final Truth-in Lending Disclosure Statement, and Notice of Right to Cancel.
I informed her that I never received an 8.100%. According to the Truth in Lending Disclosure Statement (Final) Dated April 11, 2006, that was included in the package she sent me the rate was 10.660%. Had it been at a rate of 8.1 % it would have saved me approximately $15,000 to $20,000 or more? When asked where she came up with the 8.1 % she responded that she was not sure where that came from and would have to look it up. Second, her letter states that after reviewing the loan documents I provided, which I claim to have the alleged forged signatures, appears to be similar to the signatures on the loan documents that Pinnacle Financial provided to Argent on my behalf. Of course, they are similar. They are the same documents. Additionally, it appears that Pinnacle Financials loan documents contain the same signing date of March 17, 2006. Furthermore, our review confirms that all of Argent’s loan documents that you signed at the closing on April 11, 2006 appear to match the signatures on my identification and social security card I provided.
I asked Ms. Kangnavong to please explain to me how they came to this decision. I asked if she had tried to contact Ms. Shelly Poe, the broker in question, the answer was no. I asked if she tried to contact the Notary Public to obtain a copy of the line item which should include my fingerprint; the answer was no. I asked her if they used a handwriting analyst to see if the signatures were mine and the answer was no.
I then informed her that I had contacted the Notary Association, who gave me Ms.Shelly Poe’s address and phone number, which by law is to be current. I called Ms. Poe and left two messages on her voicemail asking for a copy of the line item, I also sent her the request via Certified Mail. These requests have gone unanswered. I am entitled to this information by law.
I feel that by Ms. Shelly Poe not being able to produce the line item with my fingerprint this is further proof that the documents have been forged. I also informed her that I have sent my loan documents to a handwriting analyst, which works for the Department of Justice and am still waiting for his results.
I then asked her to look at the signature. I stated that in the Deed of Trust it states that “all signatures must match” I told her that clearly these signatures that are included in the package that she sent me do not match. They are all different.
She then stated that I was correct. That the signatures that were dated prior to April 11, 2006 appear to be forged.
I then asked why she did not include that statement in her letter. I asked her that the letter should have included all of her findings, not just the ones that are favorable to Argent. I then requested that she send to me in writing that she admitted that the signatures prior to April 11, 2006 appear to be forged. She stated that she would have to check with her supervisor and would get back to me. I am entitled to have this in writing, and am entitled to a fair investigation.
She then stated that they rely on the Broker to submit the correct information. I informed her that I also relied on the Broker to submit the correct information. I then asked who is liable when the Broker submits fraudulent documents to a lender. That is why the lender has an underwriter who is supposed to check the documents prior to approving the loan. Clearly this was not done.
On Tuesday September 4, 2007 I called her again. She informed me that she spoke to her supervisor and they are unable to amend the letter to state that some of the signatures were forged. She stated that the reason was because they are not handwriting experts and don’t feel comfortable making that determination.
I then asked her, if that was the case, how they came to the finding that the documents were not forged as it states in her August 29, 2007 letter. I then asked to speak with her supervisor. She transferred me to a voicemail. I left a message for her supervisor. Since then, I have left several messages with no return call as of today.
How can this matter be resolved if I can’t even get anyone to return my calls, or prepare an honest report of their findings.
Since that time, I have obtained copies of the notary’s book as stated above; the signature that I obtained from the notary book is clearly not the same signature which appears on the Deed of Trust.
On October 25, 2007 I filed a Temporary Restraining Order and Preliminary Injunction against Citi Residential Lending (formerly Argent), CR Title Services (formerly AMC Mortgage Services), and Pinnacle Financial Real Estate. To enjoin the foreclosure on my property. Attached is a copy of my complaint. On November 1, 2007 the judge denied my TRO. A Motion to Demurrer and a Motion to Strike Complaint were filed by the Attorneys for Defendants CR Title Services and Argent Mortgage Co. I am to appear in Court on January 29, 2008 on these motions. I have been unable to obtain a lawyer to represent me in this matter. I have managed to come this far without one, but am afraid that if I go to court I will lose simply on technicalities.
I cannot allow this to happen. I need your help. Immediately. Please draft a letter in my defense or better, if you can appear with me in court.
It is because of your office, that we learned that Ms. Shelly Poe did not have proper licenses to perform the real estate transaction as stated above. Please don’t let them get away with this. I have worked to hard and come too far.
I have been researching the penalties that apply when a broker does not have proper licenses, so I know that your office has the power to put a stop to this.
Time is running out so I appreciate your immediate attention to this.
Thank you
Nicolas Ramirez
227 Central Ave.
Alameda, CA 94501
(510) 814-1902 home
(510) 205-2879 cell
Mortgage Fraud Is On The Rise In California
Monday, May 14, 2007 | 8:27 PM
Report Set To Be Released This Week
By Michael FinneyMay 14 - KGO (KGO) -- Mortgage fraud is on the rise in California. The number of cases around the country has increased 2,800 percent over the last 11 years, and California ranks 8th in the nation for mortgage fraud.
Nick Ramirez of Alameda talked to ABC7 News just days before his lender was scheduled to foreclose on his home.
Nick Ramirez: "I ain't got no water. I ain't got no food."
It wasn't always this way-- Nick's refrigerator wasn't always empty. The successful truck driver managed to save enough to buy this three-bedroom 1,000 square-foot home in Alameda in 1997 for $163,000 dollars.
But a messy divorce in 2002 and an accident soon after left him hospitalized -- out of work, and in need of quick cash. In five years he took out five different home equity loans. Nick said he didn't have enough money to keep his water running, yet he was approved for a $550,000 dollar home loan.
These loan documents may explain why. They show Nick's monthly income at more than $9,700 dollars and his annual income in the six digit range. Nick says those numbers were filled in by his mortgage broker.
Nick Ramirez: "This lady she falsified my income also. I never even signed an application."
Nick says someone forged his signature. He showed ABC7 News what he says is his signature on his driver's license and compared that to the signature on the loan papers.
The California Reinvestment Coalition has seen all of this before. Kevin Stein, California Reinvestment Coalition: "The loans are at times sold through the use of fraud. So it might be that the broker would inflate a borrower's income."
Lenders give these brokers extra money for steering consumers into high cost loans. Reported cases of suspected mortgage fraud to the Department of Treasury's Financial Crimes Enforcement Network has increased every year since 1996. The agency received 37,000 cases in 2006, a 44 percent increase from the previous year and a 2,800 percent increase since 1996.
New numbers soon to be released by the Mortgage Asset Research Institute are also expected to reflect the growing number of fraud cases in California. The Mortgage Bankers Association agrees mortgage fraud is a real problem. Steve O'Connor, Mortgage Bankers Association: "When you're talking about mortgage fraud, there are lots of parties in the transaction that can be involved. It can be a broker, it can be a loan officer, it can be a settlement agent. It can be an appraiser. It can be a borrower."
Maria Benjamin, Community Housing Development Corporation: "That's very common. It happens quite often that people who don't deserve a sub-prime loan are put in them."
American general declined to comment.
A study by the California Reinvestment Coalition found residents of minority neighborhoods nearly four times more likely than those in white neighborhoods to receive sub-prime loans.
Kevin Stein, California Reinvestment Coalition: "We believe there's a significant percentage of borrowers who have high-cost sub-prime loans who are not even sub-prime borrowers. They don't even have bad credit."
Another study found the same pattern among people with similar credit scores. Paul Leonard, Center for Responsible Lending: "And what we find is that even when you control for credit scores, meaning that for people who are of similar credit scores, minorities are more likely to have higher cost loans than are white households."
The Mortgage Bankers Association says the real solution is to simplify disclosures so borrowers know what they're getting into. Steve O'Connor, Mortgage Bankers Association: "If you can simplify the mortgage process and make it more transparent, that's going to empower consumers."
Everyone from the mortgage industry to consumer groups agree that financial education is the key.
Maria Benjamin, Community Gusing Development Corporation: "Low income people of color are easy targets because sometimes the financial savvyness isn't there."
This is taking a human toll. Realty Trac says foreclosures are up 47 percent from a year ago. Crystal and Kevin Clark are refusing to make their mortgage payments charging fraud, and now face losing their home. Their case will be settled through arbitration. For Nick, it means spending night and day to stop the foreclosure.
Nick Ramirez: "I kind of put my trust in people to help me out because basically I just had the equity of my home."
Nick says his foreclosure -- which at one point was just two weeks away -- has been indefinitely delayed while his lender investigates the possibility of fraud. That lender, A.C.C. Capitol Holding declined to comment other than to confirm the foreclosure has been postponed.
Arbitration for the Clark's has yet to be scheduled. Meantime, 115 consumer and community groups in the state today called for six-month moratorium on all foreclosures until a solution can be found to this growing crisis.
Michael Finney
