Housing is a Civil Right

Housing is a Civil Right

Friday, October 10, 2014

"She's a Nigger!" Says Attorney Howard Apgar: A KingCast and Mortgage Movies Visit with Racist Wells Fargo Appraiser and Drug-Snorting Attorney Howard Apgar.

Wells Fargo taking a look today, 20 Oct. 2014
The second one is from One Wells Fargo Center in Charlotte, NC.
Just check the ip addresses in the thumbnails, you'll see.

And then they looked again, at the Deposition excerpt seen below.
They are going to keep coming, and the nigger is going to keep fighting.
This nigger will keep reporting as long as I deem appropriate.
See generally Marinova v. Boston Herald. A little $.5M fuck up, right. 

Blank, Rome checking things out on my other journal:
Chris King's First Amendment Page.
Wonder why they're not showing up on my Mortgage Movies tracker.

And what do you know... Phelan, Hallinan (featured in the video) was SANCTIONED for
Homeowner FDCPA abuse this year in a Precedential case. Check it out.

Welcome to the most important journal entry I have ever issued. And oh, yes I'm definitely overnighting Judge Wright on this. You don't know who he is? He's the Federal District Judge in California that ruled against Wells Fargo and Citi when the City of Los Angeles sued them for racial discrimination in lending. This Bloomberg story indicates that His Honor found that the allegations were "Extremely Detailed." But then again in this case there's arguably nothing more detailed than someone calling you a nigger, right. 
The homeowner wrote everyone who is anyone in the Mortgage and Banking World 
about being called a nigger but no one dared respond.... 
perhaps that will change now. If not, whose fault is that?
Elijah Cummings
Eric Holder
Elizabeth Warren
Eric Schneiderman
President Obama

Note: This in addition to the two documented Bad Faith Declarations I saw working on Washington State Mediations, and the related case law of Corvello and Wigod in the 9th and 7th Circuits all noted herein.

Note: This in addition to the record $5M Sex Discrimination Fine in the Federal Government lawsuit as noted herein.

Note: This in addition to the history of discrimination noted by author Joseph Stiglitz.
Coming soon....The tape: Apgar leads at 1:55:

“What she’s trying to say is ok I’m a nigger and I got too much, I borrowed too much money and I couldn’t afford it….. and if we could say that in real life that’s what we would say.” “That’s it.” “That’s it.” “I’m a nigger.” 

[It is unclear as to who uttered the last nigger but it is clear that Attorney Apgar uttered the first. Well now Counselor I’m going to give you your wish: You have said it in Real Life.  And further, she could afford it, she just realized she got swindled for bank profit and stopped paying for your corruption and you have no proof of Real Party in Interest].

Apgar, discussing his prior law firm Morris Savo Camarino at 2:55:

Man I got a lot of stress in my life…. I couldn’t believe after I billed $150K in the first two quarters…..

“They don’t fucking like you Howard get out of there.”

“I am…… I am. Doug Steinhart(sp) is gonna hire me. They have offices [in several areas] Last year they had 6 lawyers this year they have 33. They want to bring me in, now.

Appraiser John Watkins from Northwest Appraisal Group at 4:00:

“So I figure I got nothing to gain by giving them a deposition.”
“No and in fact I don’t think you can. It breaches your confidentiality with Wells Fargo (which is false – he’s not an attorney there’s no legally cognizable confidentiality on this – note that is not what happened at the Deposition so he must have learned the law at some point)…. If he makes you come in, I will sit next to you and every question he asks I’m gonna’  say Mr. O’Boyle I instruct my client not to answer this question as it breaches the confidentiality agreement with Wells Fargo. Every single question…. And that will be fun.”
“Will it?”

[Well then it wasn’t fun because the Appraiser Watkins died.]

So what’s going on with your personal life, Howard?
Well (Clinton Township Councilor Dawn and now Human Services Deputy Commissioner) and I are getting a divorce at some point, I dunno when she’s been to see the lawyer.
Has she got a boyfriend yet?
I dunno, I dunno.
“Come on…..”
“She says she doesn’t”

She says she doesn’t….. she says Ryan is not gonna’ have a stepfather.”
“She doesn’t know what’s gonna’ happen in her future.”
“I know.”

Well what we do know is that there wasn’t much future for the dirty appraiser.

Recently-Divorced Oxycodone Snorting New Jersey lawyer Howard Apgar has a lot to worry about. In the midst of growing his business he faces and ethics complaint from me for practicing law outside of his jurisdiction and for referring to a defrauded black homeowner as a nigger, caught on tape.  Worse yet, it happened in a case with a PA caption when I have no proof that he is licensed in PA.

Now before I get into this I am going to do something I have never done before in my previous four years of courtroom video:

I am going to not ask, but implore everyone watching this to send it to all of their friends, to tell every lawyer they know and to send it to their local news affiliates all across the Country because Wells Fargo and its associates have a proven history of racial discrimination and unfair treatment of homeowners.  

I saw it twice this year in Seattle while helping homeowners in mediation and my old friend in Providence RI – on the other side of the Country – was discussing it in his poly-sci class this month, using this book.  I’ll be sharing this video accordingly.


First I mentioned the oxycodone and the Bimmer. I can say I would never snort oxycodone in my BMWs and I can also safely say that Attorney Apgar overstated himself when he said that he was an embarrassment to himself and to his family after being caught.

No, the real thing you need to think about here is that he shows no remorse for practicing law in Pennsylvania when apparently not licensed there, nor does he show any remorse for his actions with the appraiser in calling the homeowner a nigger. In that, he shows his true character because anyone could have a temporary drug problem. But no one should be derisively calling a homeowner or anyone else a nigger in a professional context.  And now that I’ve got him doing so, I won’t stand for it. I will see to it that he lives an ignoble existence for the rest of his natural life.

When Ms. Golphin tried to file an ethics complaint on him for drug use and for practicing in Pennsylvania without a license the Bar association protected him because that’s what bar associations tend to do: protect the wrong lawyers while persecuting the good ones. Nothing new there, let’s see what happens now when I file mine.

Saturday, October 4, 2014

KingCast and Mortgage Movies Present: Bogus Assignments -- Slorp v. BoA Sixth Circuit Slams Corrupt Reimer Arnovitz Law Firm.

The Ohio law firm of Reimer Arnovitz has been getting away with a dirty foreclosure with a fake assignment but a brand new Sixth Circuit case says that homeowner Patty Busby has a goddamn right to challenge a false Assignment. It's common sense, really.

In this video I help educate people about the real character of Reimer Arnovitz: They have been telling lies since 1977 and show no signs of remorse. This is proved at the link below.

From Slorp:
Slorp alleges that Bank of America, the putative assignee, held neither his mortgage nor the attendant promissory note when it filed the foreclosure action because the parties lacked the authority to assign his mortgage to Bank of America when they purported to do so. That distinction makes all the difference. See Conlin, 714 F.3d at 361 (stating that a third party may challenge an assignment if that challenge would render the assignment void). Because Slorp alleges that the assignment was fraudulent and that Bank of America therefore did not hold title at the time of the foreclosure,3 Livonia Properties does not bar his suit—in fact, it supports it.
Here is much more back story while I go upside their heads with a Sunshine Act Request for all checks issued to Reimer Arnovitz since 2000 or thereabouts.

Tuesday, September 30, 2014

KingCast and Mortgage Movies Observe POTUS Checking in on Michelle Darnell v. Cyrus Habib Washington 48th District Senate Race.

I routinely see the White House folks watching and reading my journals. They won't admit it, but then again I don't really need them to admit it because I have my own resources to prove it. Now sometimes the actual readout says "Office of the President," whereas this time it does not. Anyone want to place a bet? Here's your back story.  

And if you don't believe this race is important, then answer the question as to why POTUS is watching. And he's not for Michelle Darnell that's for sure. The problem is, the Republicans aren't helping her out much either because she says things about finance and the mortgage industry that cut too close to the bone. Cyrus won't touch any of it. He just wants a nice easy ride, but that's not what exactly what he's going to get because I have some questions for him and at some point we will meet again face to face. So when both parties try to ignore the candidate, that is the candidate for whom you're supposed to vote, simple.

Here then, is a link to Ms. Darnell's responses to the four questions that Mr. Habib ignored.

Monday, September 22, 2014

KingCast and Mortgage Movies Present to Seattle City Council: Please Lead the Way Toward Statewide Registry Audits per John O'Brien and Nancy Becker v. MERSCORP.

The Councilors listened with rapt attention. Video forthcoming.

Attempts by Karen Pooley in 2012 are seeing reality in 2014 as more politicians, judges and homeowners recognize that our Counties have been deprived of millions because of the mortgage and banking industry's illegal and amoral conduct.

Sunday, September 21, 2014

KingCast and Mortgage Movies Launch a New Facebook Page: Fight Safeguard and Reimer Arnovitz Chernek & Jeffrey for Ethics Violations.

But see this: She says she is of no relation....

But her FB post the day before I got involved is confusing:

I get the same news as you all do. I am not hot gossip. I am not a plague rat. What I am is thankful for the friends who actually care. And i am at work. If you are looking for intel or have any motivations other than honest concern for me and mine, please wait for the news.

Whew... well that's a lot!
Meanwhile here's a nice tangent for when you're done with this journal entry:
The Nigger Chronicles. Listen to a Wells Fargo Appraiser and Lawyer drop Nigger-Bombs.
Note to them: Must exercise due care when leaving voicemails.


EBOLA UPDATE 16 October 2014 - My source wrote: "From what I'm told the employee lives with mom and the sister stayed with them over the weekend. And the employee Wednesday Vinson was at work all week." 

Wednesday Vinson told me that they are not sisters. As to who Amber's sister is (as referenced herein at para. 10 in Cleveland.com) remains to be seen. Coincidentally enough, Amber's fiancĂ© works for Nationstar Mortgage, another scumbag entity. My sources indicate that Amber Joy Vinson's sister Wednesday works for Reimer Arnovitz. Name partner Mike Arnovitz told me today that he "had no knowledge" of the situation. I telephoned him twice: First we spoke without knowing the employee's name and then again after I discovered the name. I telephoned again after I learned the name and left a message. I do not anticipate that he will return my call, as he hates me for exposing the dirt that this firm has done, and continues to do over the years dating back to 1977.  Just scroll down or watch the movies. My phone calls to CDC and with Partner Arnovitz will be live on YouTube shortly. 

So now I have been in discussion with Wednesday Vinson and as noted above, she claims no relation. If this is true, it might have been helpful for Attorney Arnovitz to return my call and say as much....... stay tuned.

Cleveland coverage:  Ebola lands in OhioWeekend in TallmadgeLeon Bibb video.

Introducing... Kemp v. Scott Ciupak: What exactly was this former Albion, MI Police Officer's role in the death of a suspect who died in Police custody after they knew he had ingested cocaine? I need to get a copy of the original Complaint, damn I wish this case had been filed in Federal Court it would be a snap. Anyway Scott Ciupak is now a Reimer, Arnovitz attorney.  As to the relatively low $55K Jury Verdict that was sustained on appeal, hell I got more than that ($58,500)for a guy named Michael Isreal who got choked and lived to tell about it. Plus I got the cops found liable for making him a Victim of Violent Crime by the Ohio Court of Claims. Probably because of the criminal conduct involved the Jury took it easy on the City in Ciupak's case. So this is kind of tangential but then again not really. Reimer will hire anyone with a pulse to do their dirty work, then fuck them over if they have too much integrity or competence. It's really a Land of Misfits over there. Stay tuned for more.

The Summit County Clerk of Courts stopped in for a visit.

And this just in: Reimer arguably discriminates against elder and experienced professionals. They screwed Anne Kazuka, a then 59 year-old Leukemia patent, right on out of her job. They also shit-canned two other older employees at the time. Word has it that they continue to do so, in the sense that As a former employment attorney I find this conduct morally aberrant, repugnant even. Case history showing settlement. Link to Plaintiff's Complaint.
13. Defendants, individually and collectively, maintained a practice of discriminatory disparate treatment of older workers, in that in the past two years, two employees were either terminated and/or subjected to adverse employment actions, i.e. Janine Veits, age 60, who was demoted and replaced by an individual not in an age-protected class; and Barbara Rhinehart, age 67, who was terminated.
KingCast note: I have reason to believe this practice still continues, but with employees who are all under the age of 40. They don't have skilled accountants or paralegals anymore, just people with no real education so Reimer can blame everything on them. These people are pure scum and I'm obviously not afraid to say it. As I say, if they want to fuck with me I'll take them on a hell ride they will never forget.

Goddamn False Affidavit, standard Reimer modus operandi

You know there is no honor among thieves: Would aspiring figure skater Rachel M. Kuhn (pictured in the thumbnail below) have appreciated such skullduggery 
in her own foreclosure (Judgment) back when she was skating on thin financial ice? 


Oh my God... Dennis Reimer has been a goddamned liar since 1977 --when I was 12 years old -- on the subject of Service against a homeowner who spanked his ass at trial. So is it far-fetched to believe Reimer Arnovitz fabricated those U.S. Mail green cards in the Busby matter? It is a pattern and practice but wealthy establishment attorneys always get away with it. Don't get mad at me I'm just exposing it:

Sims v. Bloomfield Sav. Bank, 1977 Ohio App. LEXIS 8777 (9th App Summit County 1977)

"The evidence relating to the affidavit to secure service on Mrs. Sims was so patently false that the trial court should have so instructed the jury."

Counsel for Bloomfield [*16]  argued at length as to the nature of his agency and the failure of Mrs. Sims to establish proof of this agency. Mr. Reimer said, under oath, that he was instructed to file the foreclosure action against Mrs. Sims and the Strattons. All of the questions directed to Mr. Reimer bear on the question of the foreclosure. It was Mr. Reimer who swore under oath that he used reasonable diligence to discover the address of Mrs. Sims. It was Mr. Reimer who swore under oath that he did "absolutely nothing" to discover the address of Mrs. Sims. It is Mr. Reimer who now says in his brief at page 44:

"The only evidence presented at the time of trial as to what the Appellant did or did not do with regard to finding the Appellee was the testimony of the attorney that he could not remember what he did or did not do to find out her whereabouts. ....

Just what should this court believe? At all times the address of Mrs. Sims could have been easily discovered not by reasonable diligence but by any diligence. Bloomfield had information in its files which showed where Mrs. Sims had worked for one employer for many years. She still worked at the same place at the time the action [*17]  was filed. We find no error prejudicial to the substantial rights of the appellant as to assignment of error eight.


They can block me from emailing all they want to... because I know they are still reading, I have a tracker what a bunch of pompous dumb asses. LMAO right.

BTW I am told that one of their building owners is suing them too.
Haven't verified that yet. I called Chelm yesterday.

Stop the presses: Just off the Lexis updates....  same exact issues Pattie Busby is alleging against Reimer but the goddamn State Court won't address it. Can you say "Judicial Notice." 

Citing Refs. With Analysis Available. Click to Shepardize®Kline v. Mortg. Elec. Sec. Sys., 2014 U.S. Dist. LEXIS 124406 


The Amended Complaint alleges that Kline entered into a $160,000 loan transaction with WMC Mortgage Corporation ("WMC") in June of 2004. Doc. #157 ¶ 25. After Kline fell behind on the payments and defaulted on the loan, Reimer commenced foreclosure proceedings against him in August, 2005, on behalf of WMC and the loan servicer, HomEq Servicing Corporation ("HomEq"). Id. ¶¶ 26-29. The mortgage was later reinstated and the foreclosure case against Kline was dismissed. Id. ¶ 30.

By December of 2006, Kline had again fallen behind on the loan payments, and HomEq notified him that he faced further foreclosure proceedings if he failed to bring the loan current. Id. ¶ 31. Another foreclosure action was filed against Kline on March 16, 2007, again with Reimer as counsel, but this time with "Wells Fargo  Click for Enhanced Coverage Linking SearchesBank, [*7]  N.A., as Trustee" ("Wells Fargo Click for Enhanced Coverage Linking Searches") named as the plaintiff. Id. ¶¶ 32-33.

Kline alleges that although the foreclosure complaint stated that Wells Fargo  Click for Enhanced Coverage Linking Searcheswas the owner and holder of the promissory note and the mortgage, the mortgage was not assigned to Wells Fargo  Click for Enhanced Coverage Linking Searchesuntil March 26, 2007, ten days after the filing of the foreclosure action. Id. ¶¶ 34, 37. He also alleges that both Wells Fargo  Click for Enhanced Coverage Linking Searchesand Reimer knew that the papers filed in the foreclosure action falsely represented Wells Fargo  Click for Enhanced Coverage Linking Searchesas the owner of the note and the creditor to whom Kline owed the debt. Id. ¶¶ 34-36. Kline also alleges that an employee of HomEq falsely represented himself as a Vice-President of Mortgage Electronic Registration Systems, Inc. ("MERS") in order to effect the assignment to Wells Fargo.  Click for Enhanced Coverage Linking SearchesId. ¶¶ 39-44. During these foreclosure proceedings, Kline sold his home and paid off the loans secured by it. Id. ¶ 43.

Kline alleges that Reimer charged him a number of fees and expenses to pay off the delinquent loan held by Wells Fargo.  Click for Enhanced Coverage Linking SearchesId. ¶¶ 45-61. These fees included $450.00 for "Process Service," $75 for each of the parties served, $100 to serve MERS, a $50 "handling" fee, $803 for a "Preliminary Judicial Report" (of which [*8]  $335 went towards an "Exam Fee"), $150 for a "Final Judicial Report" (of which $50 went towards an "Exam Fee"), and late fees charged after the acceleration of the loan. Id ¶¶ 45-67. According to Kline, Reimer's actions make it liable under the FDCPA, the OCSPA, and a claim for unjust enrichment under state law.

B. Unjust Enrichment Claim

Reimer got out of various other claims on a technicality but not this one:

Nevertheless, as Kline points out, the factual allegations in Paragraphs 54-59 of the Amended Complaint can be read to support a claim for unjust enrichment. Those allegations state that Reimer "improperly passed the costs of a so-called 'Preliminary Judicial Report' to Kline" by having it conducted by Nova Title Agency, Inc., which was "effectively the same entity" as Reimer. [KingCast Note: See below, I said the same thing yesterday]. 

They also state that Kline "was charged" various amounts for a "Preliminary Judicial Report," and a "Final Judicial Report," along with "Exam Fees." It can be inferred that Reimer received a benefit from Kline by having "improperly passed the costs" of these allegedly unnecessary reports to him. The applicable standard of review requires that the Court draw any inferences from the facts of the Amended Complaint in Kline's favor. Wallin v. Norman, 317 F.3d 558, 561 (6th Cir. 2003).

Apart from the inferential case to be made from the language of the Amended Complaint, the record before the Court contains evidence that Reimer sought and obtained a monetary benefit from Kline that corresponds to the allegations in the Amended Complaint. First, a November 15, 2007, letter on Reimer's letterhead [*19]  that is addressed to Kline's attorney demands a payoff amount of $176,332.28, which "includes an estimate of court costs." Doc. #274-10 at 2. Kline alleges that he paid this amount on November 18, 2007. Doc. #157 ¶ 66. Second, a February 7, 2008, letter on Reimer's letterhead that is addressed to Kline's attorney contains an itemized list, under the heading "court costs," that corresponds in name and amount to the fees described in the Amended Complaint. Doc. #274-11 at 1. The letter states that the "court costs were actual deposits made by our office." Id. Nova Title, Inc., is mentioned nowhere in either letter sent from Reimer to Kline's attorney. Thus, whatever role Nova Title, Inc., played in the allegedly illegal fees and costs appears to predate the receipt of the benefit that forms the basis for Kline's claim of unjust enrichment.1


Hmmm.... Nova Title Agency, same entity.... what did I just tell you yesterday? See below. And I've got more. Much more. I'll be in touch now with Kline's Attorney. That is my First Amendment Right goddammit and don't you ever forget it. I'll fight you until Hell freezes over and then I'll ice skate right on over you. Rachel Kuhn was brought in as a newbie, to try to run over Pattie Busby and me, and now she and Reimer are regretting every minute of it, and rightfully so. I will take them down.

They want to fuck with me I'll tell them just as "Employment Lawyer of the Year 2010" 
Brad Seigel told me on a Civil Rights case that finally settled:
"I'll rip your heart out and feed it to you."
These high-powered attorneys are often scummy but feel that they can say and do anything because the Ohio Bar and Columbus Bar Association won't do anything to them. In fact, they often get negative reinforcement for their actions. Now Brad's Partner John Stephen, great guy never a problem with him, always professional.

I'll tell it as it is, and let the chips fall where they may because like I say, at just about 
50 years of age I realize that I just don't have to give a shit anymore.

New info from another insider: 

i did find that yesterday, but how did u find me? or know we might have common interests? Cause we do, u are correct about them, i believe they deserve this karma...... i am most curious how u found out about their billing issues?? those are correct too, they have a lot of money that does not belong to them and u can find it in their trust account, they were constantly co-mingling of funds.

Reimer uses Nova Title Company... (see above Court Decision denying Judgment on the Pleadings, LOL). Owning that meant if a client questioned the double billing, the accountant (Lorri Cox) would email downstairs to Nova to quickly 'zero it out" That was the solution to so much. Zero it out. If the client didn’t ask about it, it slid by. Only fix if they ask. “If we owe, zero it out so the file is at zero. If they owe us, take it from the court cost refund.” They said the files were so old the client wont even notice. But we double billed for a publication!!! We owe then $150!! Nope zero it out. *******

Safeguard continues to break into homes and cover it up. And that's a fact. Watch the videos documenting more of that, along with the Illinois Attorney General's ongoing lawsuit against them. Meanwhile an inside source tells me that Bank of America lawyers at Reimer, Arnovitz steal from the clients, illegally use court refund monies, and abuse employees. They too, work hand-in-hand with Safeguard and they try to avoid hiring real accounting professionals, more on this at a time I deem appropriate.

I further believe that Reimer authorized others in their control to posit fake U.S. Mail Return of Service green cards in order to "prove" service in a wrongful foreclosure case as previously-noted.

Furthermore, I know they were rocked by my phone calls with homeowner Pattie Busby because they sent out a global email to the employees about me, making sure nothing got public. Too bad it got public anyway. 
Lastly, I know for FACT that Reimer Arnovitz, by and through Rachel Kuhn lied to the Columbus Bar Association to please the name partners at Reimer Arnovitz. We have a new FB page: Fight Safeguard and Reimer & Arnovitz Ethics Violations.  Kuhn said the firm could not talk with me, as a reporter, about a homeowner's file regarding falsified U.S. Mail Docs. and tried to get me for unauthorized practice of law, but in fact they already knew the homeowner had waived FDCPA confidentiality. 

The homeowner even called Reimer with me on the phone so they knew damn well they could have spoken with me as a reporter.  Anyway Rachel Kuhn sent a link to a YouTube video she and Reimer were complaining about in her complaint to the Bar Association. Too bad the link clearly shows the homeowner has waived confidentiality concerns! Look at it, above. 
  PS: I forgot 2-3 years ago name partner Henry Fein lied about his very identity when facing KingCast/Mortgage Movies cameras. Watch it right here!