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8/6/2019 Exhibit _M_ Letter From ATG to Trustees
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Letter from Washington
State Attorney General
Rob McKennaTo The Trustees
8/6/2019 Exhibit _M_ Letter From ATG to Trustees
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Rob McKelUla -,
ATTORNEY GENERAL OF WASHIN'GTON' -::\H25 Washington Street SE·· PO Box 4fH OO • O lym pia 'VA 98504-0100 »: ~ I
r r )
Trustee Name
Address
City, State Zip Code~I
, -'
Potential Unlawful Foreclosure Practices in Washington-_.,-
October is, 20.]0
RE:
Dealt Foreclosure Trustee:
,"I am writing to you regarding serious problems associa:~,d'With'foreclosures in the stateof
Washington that we have been observing. As a trllsh,e-j.~()ndbl,e foe conducting non-judicial
foreclosures, YoOU have, a statutory duty to perform all _ ! c l ! f e p l o s m : e s illgood faith and you owe that
d n t y to both. the homeowner and the lender, Your · , a ' l . L t y - t i ' l ~ 6 1 u d . e s .assuring that every procedural
step, every legal notice, and allmandated mediation ol1(Pmtunities are provided to h 01 11 eOWn e1 '8
facing foreclosure in fullest conformance; with Jhe L a - w .'i
)
OUt office has beeninvestigating lenderS"~1l1ortgftge servicers and local trustees, We have
discovered that problems related to f o re b . Jo s W e processing are not limited to the national banks
and mortgage servicers, In Washin.gt®~' i" we have found evidence that foreclosure trustees appear
to be ignoring laws specific to 0Ul( 'st-ate 'aal :dmaybe regularly using some ofthe same
questionable practices used 9y/n~[i~na/ba:mks~, such. as:(/ r :!
• Employees of fo~l:08\ID;re trustees are signing documents posing as the corporate
officer of muUiplelbanks and mortgage servicers, This may misstate the signer's role
in the process .and ·b~a conflict of interest contrary to the trustee 1S o duties to ther I " ' \ ' . ' '
home'o~e;r. _ 'I 1 v
• Th~sigu~t~e~ of some t[u~t,e~s vary widely limn.document to ~locument.~hi!ch
suggests dtat trustees are signmg otherperscu's stgnatures. ThIS problem IS
comp~u:udedby ,the fad that the signatures are notarized "v:ith a . statement that the' . . , : . . - ' t · 1 l . . 1 di b ~ th- , :S :l Jg~QJt~ : lS I_ue actua person stan mg oero re e no tary .
" \ . . '-.,
,. :'_" Tmsrees may be foreclosing on homes when there is . no. dear chain ofownership for
- > the loan or (he security interest, Trustees must be sure that the lender has the
author i ty to, foreclose and that the documents which create tile chain of ownership are
accurate. One of the problems emerging nationally Is that lenders are "reverse-
8/6/2019 Exhibit _M_ Letter From ATG to Trustees
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ATTO RNEY GENERAL O F W ASH INGTO N
Trustee Name
O cto ber D , 20 10Pagel
-'~~
~~ < :
. .~ ,]. hai ~ itl . ludi 1. l' de t i ;i m ,. (r "\'1engmeenng tne C, am ortme, mcua mg n ac {- Ring documents to mace It ~Jl2Pear~s
though the loan was passed. from company to company on certain dates wl:r~!~Q,~S:uchassi gnment actually 0ceurred. -c .
-, <)
• Since July 26,2009, Washington trustees have been required to idou~t:y~tii~actua[
owner of the loan and the company that is acting as servieer, with. . th) :; i ' r~ifdresses and
aphone number for the: servicer, Many default notices have g9~, 01~lt\:VithOllttlriS
f e, equired information, ''''hich, can make ithsrder for homeown~Tst~ conrect andl d e a nwith their mortgage owners. ;>.; [ _1)
• Lenders with mortgages made betwoon2003 and 20&i:r~st ':;;'ise the borrower thathe or she,has the right to request mediationand, ifT~qUiSt~d~the loan owner will
schedule t~e meeting to occur within fourteen d,a~.s~ / t : b erequest, It is o;lr , .understanding that lenders are regularly [lot ~ell.D.lIg,~omeownersabout this right,
which exists to help homeowners explore alte.rh~"e) to foreclosure,· :::--...q
Your to!e as ,fo~·edo.~ui'etru~ree is tl~~nsure that e a c l ~ A ? i " e ~ l r i : S u . f eyou. conduct is completed ing ood faith an d, In~IUoOlll1phan~emth , the ]aw . B ~~g :3V oo lu ll1 gt~n S l~ e law a~lowsforedo-sure without com oversight, you are ~pa~iy most responsible for ensunng that
foreclosures are done properly. Cons,eql!lent~::;});SJ010u to suspend all fored?sures in which you
have not yet confirmed that all fOl'eclosure~~eratep documents were lawfully signed, that th e
chain of ownership is clear and has been!~:,,"~l~to you in full, and that S[8J, t .e consumer
p ro t ec tio n r eq u ir em e n ts have been fo U oW eB (J \, » < : ; : " ,
Om Consumer Pretectlon Dlvisicn b~~~ady begun. investigations regarding several h:mr tees
and ] would ask for yow: cooperati~~l1~'he!i]you are contacted. I have abo directed our legal
team to survey the i6on;dQs~Ie~,'lsteesiliat are not under investigation todetermine whether and,
how they a l o e reforming t~~~!l'a~iCeS to ' C 0 1 l J J p l y with th e law,
Sincerely, ~ 0.. ~ J~ 0 ~
U~~~ROB MCKENNA::--
A tto rn ey ,~ ~ '
t\ .....,,_
RM~:~~\
cC,;;.~~loJlltgage servicers and sub-servicers\\
: \ . . . . . . : : . . \
c-~\
8/6/2019 Exhibit _M_ Letter From ATG to Trustees
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A '& IF l ims ibe.e ,Se. l l l~ces , Inc
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Marl S.E~got
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122.1 second Ave, su tte 50 (I" <, ( ~ : . : ' . ~ t t ~ 1,,~24HW'. LaPal lmaA l . !'e , Su i te '351!)( ' ,I i{~hei :m
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8/6/2019 Exhibit _M_ Letter From ATG to Trustees
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Premier Financial l.AssQciaites, Inc" 110 East D Street , SUli te .~i Beniida
'P romm ilSSQ~utions!Ca II-Western
:Reco t 1\ fe ya nee Corporatlion
ULlallity Loan Senl'ioes
Ell'Cajon
San m~go
525 East Main Street
2141 FIfth Avenue
2380 Peliomnance DrIve
' MS RG \f -C4 -< \SO
615 1st Ave,nlie.•51.!te : S o o
CA
CA
Ridhardson
SeattUe
Reconlrust
Reg~omlillrustee' Selllli{)es,
IRestore,llouti on Trustee
Corporaition
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380.2 Spyglass Dr NIE Tacoma W.A (, -.. .
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s~srust !leed l)Jernrorlk
Scnweet Riek'e'&. IJinde" pacSe,aside Imstee, Inc.
Standiard Trust De,ed
standard Trustee Service
Company Washington
Westla ke\JiII11a,ge
Seattle
Ilentlllr.a
Concord
311'94 lLaBaya Dll1ilJe,SU irite'109,
575 S .,Mic'hiigan St
2734 Johnson Drive: #Z04
PO Box 5010
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SlJnd bel)' & 'Pody
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Washingiton
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12.15 Fourth Avenue, Suite 920 Seattle W.A
520 E. Denny Way SeaWe WA
CARlO E. ~irstStreeit , StJli te 2W
th em p se n tF or ed os ,L lr e R !e m e d y
and lrustee Solluticms, 139 S 33:1.st PI Apt 6Ql W.A
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Washbreck LLC
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