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As a contractor, this group has been a major blessing to my company. When I had issues with Field Managers and no where to turn for assistance THIS group gave me insight and solutions. After working with Paul my company was paid by the FM that owed us.

Terry Platt: Comics and Social Security

Terry Platt, hack author over on CubicYard, has been on a roll lately. Platt has been rolling out his latest and greatest in support of the National Association of Mortgage Field Services (NAMFS) Regime. Today, though, Platt needed to strike a mighty blow for the fraudsters and figured he would pick a pissing match with me personally.

Terry Platt Hitting The Cancer Meds Too Hard

Terry Platt Hitting The Cancer Meds Too Hard

Poor, sad Terry. Here is a man that is the epitome of what is wrong with the Industry. The reduction of the Mortgage Field Services Industry to a Comic Book Strip like those they pass out at seedy Porn Joints is beyond pathetic. More on that in a minute. I want to delve down a little bit on the jab taken at me. In the same way that I am completely supportive of rhetoric, I am not sure that I would have picked a fight with #Anonymous as Platt did mocking them with his DDoS piece. Now, I do not speak for #Anonymous; I do, though, support #Anonymous. I also know is that it is NEVER WISE to incite folks. To mock the capabilities of #Anonymous is playing with Fire and Platt and his Client Supporters could very well have brought themselves into a Spotlight they do not want.

CubicYard and Terry Platt have been Circling the Wagons for quite some time now. I always find it ironic when people get a couple of bucks for writing — SEAS LLC helped finance a tremendous amount of Platt’s Amateur Hour, Anti Contractor rhetoric. As you will read, though, I have to wonder whether or not SEAS LLC is as Racist and Anti Muslim as Platt and his stoolies are.

Being a Confidential Informant; “… and worked for the U.S. Treasury Department in a confidential capacity[,]“ as Platt’s Personal Blog intimates, is the touchstone to understand what type of man he is. I have never personally had any respect for those people whom skulk in the shadows. It does make sense, though, why he is so down on his knees with mouth open wide in support of the National Association of Mortgage Field Services (NAMFS) Regime.

Terry Platt is a freelance commercial writer especially talented in discovering marketing opportunities and creating specialized copy for those markets.

Terry has over 12 years of experience as a licensed Private Investigator specializing in Internet Research  and has degrees in Business, Electronics and Computer Programming.

Prior to his career in Internet Investigations, Terry served as a certified law enforcement officer for city, county and state agencies and worked for the U.S. Treasury Department in a confidential capacity.

As a U.S. Coast Guard licensed ship master, Terry also has experience operating sea going vessels up to 300 feet in length in the Gulf Coast areas of the U.S. as well as the Caribbean and Central and South America.

Wow! Does this guy turn water into wine?! I mean Platt is a Rhodes Scholar it would appear. First, Platt is a PI, then he was a municipal cop; a county cop; and then a state cop. Gave that up to be a snitch. I wonder if that was before or after his Pirates of the Caribbean episode with the US Cost Guard?! The show stopper, though, is Platt’s obvious racist and Anti Muslim tendencies. Here is an Article that was Deep Web scrapped as part of the ISTAR Database Project. Talk of Semmes is a website which Platt owns and operates,

TP Racist

I mean Jesus Christ! Stating publicly that you have a problem with Muslims?! What’s next, Platt?! Should all Non White, Non Christians be banned from the Mortgage Field Services Industry?! Also, I am kinda curious why it is the Article seems to be missing from your current Website? The above was published on 01 October, 2013.

The vile depths to which people like Terry Platt will go to in an attempt of furthering the National Association of Mortgage Field Services (NAMFS) Regime, along with SEAS LLC, as his paymaster are mind boggling. I mean I am not sure precisely how it is that his Sponsors and Columnists feel comfortable with his position — unless they all are Anti Muslim as well?!

Platt has an All Star Line Up of pundits in his Columnist List. We have Tom Cono over at MegaTec Asset Management; we have Michael Evangelo over at National Mortgage Field Services — remind me to tell the story about how he called all in a sweat about having to email piles of Background Checks to Joe Badalamenti over at Five Brothers and not sure about the legality. We have Glenn Mollette, an oddity in the Platt Stable, but all the same focused on the same type of negative rhetoric Platt spews,

A lot of America has died. We are breathing and going through the motions. We are collecting our food stamps, government assistance and in too many cases numbing ourselves on prescription drugs. Hopelessness is widespread from Butcher Holler to every mega city house and condo throughout the United States. Sadly many suburban houses are filled with depressed, drug sedated Americans who cannot find the internal wherewithal to get up and get moving.

Really, Glenn?! Is that up in your Kentucky neck of the woods? Hell, son could’ve fooled me! My America, the America I fought for, is ALIVE AND WELL! I take GREAT OFFENSE to your condescending, holier than thou attitude. Maybe if you got off of that Pulpit of yours for a moment and spent a bit of time with the Masses like Jesus did, you might not be so derogatory to your fellow American Citizens. Ach, that’s right! You get a tax free life, don’t you?! I mean the big Seminary Founder and all. On the real, I made it through a couple of his right wing White Man posts on Facebook and took a cold shower. So, yeah I can see how the Muslim tirade Platt was on could dovetail with Herr Mollette. Never fear, the White Anglo Saxon Protestant is always close by to kick the colored folk in the guts!

Mollette is all over the place — normal for the Right Wing Christian. In one Article, Mollette is ranting about a South African, fresh off the boat 2 days, not being able to speak English. Really?! Ironic that he had a job and was able to provide you and your son a ride in his cab, wasn’t it!!! In another Article, Herr Mollette is out on the Poverty Pimp soap box preaching the Gospel of Isolationism. Hey, wait a minute. I thought that the furtherance of Political Agendas could jeopardize a Church’s Internal Revenue Service (IRS) tax exemption status? Note to self: Drill down on this Apartheid hack.

Margret Workman was the only odd woman out. She never really struck me as the Neo Nazi type. Whom am I to question, though. I mean here we all are with the same Talking Points about Due Diligence. Birds of the same feather … I mean When In Rome.

Yeah, the Neo Nazis are alive and well in the South. I believe it is indicative of his Supporters; all of the Supporters whom we are going to track down, that they must concur with Platt’s Opinions. If not, why pay for Articles and Advertisement?! Probably not the wisest thing to be doing in an Election Cycle. Once the Beltway gets a whiff of Anti Muslim and Racist financial support, it’s Lights Out as the Emperor Steps Down From On High to squash you out like a gnat.

This is simply a teaser. Once again, instead of concentrating on National, Regional and Otherwise Unspecified Order Mills defrauding Contractors I am having to address racists. Or, perhaps, that is the goal all along? Perhaps, it is Well Played?! It doesn’t really matter. At Foreclosurepedia, we like to give everyone that personalized attention they so deserve. Unless and until Platt’s entourage disavow their support for Platt’s Anti Muslim and Racist tendencies, we will be at General Quarters and Full Steam Ahead!

To understand spin you MUST understand this!

To understand spin you MUST understand this!

The Right Way And The Wrong Way To Commit Fraud As A NAMFS Member

The National Association of Mortgage Field Services (NAMFS) Regime has been in Overdrive lately attempting to spin up new and creative ways to screw Contractors out of their money. HomeStar is a classic case-in-point. Seven Million Dollars in the hole, HomeStar’s latest hustle was to attempt to squeeze even more money out of Contractors by getting them to, get this, Join A Club to get paid. Absolute madness. Make no mistake if these punks owed me money I would be collecting it!

The biggest hustle of all in the Mortgage Field Services Industry is the Order Mill. National, Regional and Otherwise Unspecified is how we refer to these degenerates. With absolutely no oversight by the Financial Institutions or Portfolio Holders, these maggots weave their way into the Industry and virtually each and every Order Mill we have ever profiled has been a NAMFS Regime Member.

The recent Buczek Enterprises Nationwide  Fraud Fest shows precisely how deeply entrenched these parasites are. To also show how effective we are at ridding the world of these NAMFS Regime fraudsters, Google Buczek Enterprises. That’s right. The first listing is their now defunct website. Foreclosurepedia is the SECOND LISTING! We anticipate being the first listing and then taking over ALL OF PAGE ONE within a week!

The title of this Article is a misnomer. It is an example of how Members of the NAMFS Regime think and operate. With more and more Companies coming up on the Foreclosurepedia Radar; with the effective Search Engine Optimization (SEO) we have begun to bring to bear upon the Mortgage Field Services Industry, the National Association of Mortgage Field Services (NAMFS) Regime has become Public Enemy Number One.

Financial Institutions and Portfolio Holders are now beginning to understand that it is not wise to do business with Firms whom are both financially insolvent and corrupt. I reiterate, that the National Association of Mortgage Field Services (NAMFS) Regime Members account for over NINETY NINE POINT NINE PERCENT of all fraud I have discussed. A simple perusal of Property Baggage, a website beginning to track Potential Contractor Liens pending upon Foreclosed Properties, is beginning to look like a Zombie Apocalypse Map. One view by a potential homebuyer and they are GONE! No one to blame but the National Association of Mortgage Field Services (NAMFS) Regime Members whom believe that Fraud is Business as Usual.

With the Buying Season getting into High Gear, the emails from Consumers about Property Baggage has skyrocketed. Initially, I was receiving around 10 a day; this morning I had over 119. Crazy, as I have only about 0.023% — yes, that is ZERO POINT ZERO TWO THREE PERCENT of all Potential Contractor Liens entered. So, the National Association of Mortgage Field Services (NAMFS) Regime is going to come, kicking and screaming, into the Legal World; the World where people obey the law and uphold Contracts. If they do not, the Real Estate Industry is going to have difficulties selling their mold and asbestos ridden properties.

Strangely enough, I actually met with a Real Estate Broker last week whom was familiar with both Foreclosurepedia and Property Baggage. She saw my Media Badge and asked whom I wrote for. When we began to discuss Property Baggage she became concerned about Tennessee. “Surely you aren’t going to bring problems where you live?” I stated, “I am going to do everything in my power to ensure that everyone involved goes bankrupt.” She fell into a tirade I hear so often about how unfair it was to the innocent like her.

NO ONE IS INNOCENT in this mess. The Contractors are not innocent in that they have sat on their hands. The Brokers are not innocent in that they did not perform due diligence to ensure that there were no outstanding bills on the properties. Most importantly, though, is that the Financial Institutions and Portfolio Holders are not only NOT INNOCENT, they have blood on their hands as they knew precisely what was going on and still continue to ENCOURAGE it by hiring National Association of Mortgage Field Services (NAMFS) Regime Members!

So, it would appear to me that National Association of Mortgage Field Services (NAMFS) Regime Members believe that the Right way to Perform Fraud against Contractors is to ensure that the National Association of Mortgage Field Services (NAMFS) Regime Executive Director, Eric Miller, whom receives OVER ONE HUNDRED THOUSAND DOLLARS PER YEAR CONSUMING NEARLY SEVENTY PERCENT OF ALL MEMBER DUES is compensated in whatever manner necessary to keep them from being brought up on Ethics Complaints. The wrong way to Commit Fraud would be to appear in the Headlines on Foreclosurepedia while simultaneously telling both Contractors and Portfolio Holders two different stories.


Paul Williams On Location

Iron Clad Preservation Makes Moves Into Lake City, FL

Bret Douglas, Owner of IronClad Preservation in Orange City, FL, is on the move — in a good way. Douglas’ Membership in the National Association of Mortgage Field Services (NAMFS) Regime aside, he and IronClad are beginning to show that they are a force to be acknowledged. Wherein, the Orange City IronClad Headquarters was covering 19 Counties, the recent addition of another 18 Counties by and through their new Lake City Satellite Office brings another 18 Counties into the IronClad sphere of operations. I have two words for that type of action: Strategic Dominance. On this note, it boggles the mind that the Financial Institutions and Portfolio Holders continue to roll the dice on Firms a thousand miles away; Firms whom have NO VESTED INTEREST in the Client’s outcome from a PR point-of-view locally, to perform services. More on that this weekend.

I caught up with Douglas as he was penning the lease for the new Lake City Satellite Facility. Some of his statements took me back a little bit. Whereas most Companies think in terms of weeks and perhaps a few months, Douglas was going to secure the lease for a year in a lump sum. In a time where most firms are financially insolvent, it is both comforting and timely to see that one Firm, IronClad, has both the financial where with all to perform at 100 percent AND expand.

During our conversation, Douglas was explaining his position on the Mortgage Field Services Industry. “An honest days work for an honest day’s pay.” It is worth pointing out that IronClad subscribes to Foreclosurepedia’s belief that the W2 Model is that which will be successful over the next 5 years. In addition to this philosophy, IronClad’s W2 Model encompasses facets normally only seen in Multi National firms.

The reality is that with W2 employees in the field, the Client gets the Big Mac Model as Foreclosurepedia calls it. Here is the scenario: 10 lawns at $50 per lawn. If you subcontract the 10 lawns to quasi laborers vis-a-vis the 1099 process you will end up with TEN SEPARATE RESULTS! Additionally, the Return on Investment will be $100 — Each 1099 will bill roughly $40 per lawn.

When you have 10 W2 employees, the RESULTS WILL ALL BE IDENTICAL AND SUBMITTED IMMEDIATELY! Additionally, the the Return on Investment will approach $400 +/- as at say $10 per hour the math is pretty simple.

IronClad implements an Internal Policy and Procedure Manual. Sub structured are logs and ancillary protocols for a plethora of items such as Material Safety Data Sheets (MSDS), equipment logs, vehicle logs and a comprehensive Workman’s Compensation Policy and Procedure which is currently being put to the test in the obscene challenge by Tony Keck, a common and pedestrian criminal.

The reality is that this is an Introduction Article to IronClad Preservation and the thirty plus employees under the Command and Leadership of Bret Douglas. Over the next several days, we will roll out the meat of our candid Interviews. We are hopeful that the Financial Institutions and Portfolio Holders will take notice of those Firms Foreclosurepedia begins to Profile. The reality is that with the same surgical precision that we apply to dismantling the corrupt, Foreclosurepedia intends to elevate those whom are playing it By the Rules.


This is a verbatim copy of Nate Budde’s piece entitled The Battle Between Policy and Contract which is published over on Construction Exec. All credit is attributed to both Nate Budde, the Chief Legal Officer over at Zlien and to Construction Exec where I found this via Scott Wolfe’s Google+ Page. Many of you know that Foreclosurepedia is an ADAMANT SUPPORTER of Zlien and are hopeful that you will consider them for ALL OF YOUR Lien needs!

The concept that subcontractors and suppliers (i.e., firms further down on the payment ladder) deserve to be protected from non-payment traces all the back way to Thomas Jefferson. The offshoot of the belief that the financial risk of non-payment shouldn’t fall on the lower-tiered parties is the corresponding belief that general contractors and property owners (those at the top end of the payment ladder) should be the ones to bear the burden of a project’s financial risk.

Nobody likes to be forced to shoulder a financial risk, so general contractors and property owners have, throughout the years, attempted to shift the burden back to the parties below them on the chain via contractual clauses. This battle of contract versus policy continues today.

After the creation of the mechanics lien, an ongoing string of contractual clauses attempting to shift that risk back down the chain emerged. In the 1940s, contracts began to include “no lien clauses” in an attempt to pass the financial risk to subcontractors and suppliers. However, when cases involving these no-lien clauses made it to court, they were routinely thrown out as impermissibly denying a statutory right and as against public policy.

General contractors and property owners adapted by including pay-when-paid clauses in their contracts. Again, courts came down on the side of subcontractors and suppliers by treating pay-when-paid provisions as a timing clause. This means they allowed the general contractors to wait for a “reasonable period of time” to receive payment before they were obligated to pay the subcontractors, but they were not absolved of that responsibility altogether.

Don’t You Wish Your Projects Ran This Smoothly?
When the effect of pay-when-paid clauses lessened, these clauses morphed into pay-if-paid clauses, and were again inserted into contracts in an attempt to shift the risk down the payment chain. These have been the subject of much litigation, with varying results. Many courts have held these provisions to be akin to no-lien clauses and have declared them void as against public policy.

Many states, either via court decision or through statutory law, have decided that shifting financial risk through pay-if-paid clauses is disallowed, and have declared pay-if-paid clauses void as against public policy. However, this is not universal, or even necessarily the norm. Pay-if-paid clauses are still allowed and enforceable in many states, provided certain language is included in the clause itself.

While the requirements vary from state to state, in general the clause must specifically state that it is meant to shift the risk of nonpayment to the subcontractor or supplier, and that payment to the general contractor is a condition precedent to payment to the subcontractor or supplier.

Even in states where these types of clauses are allowed, they are generally not favored. Courts in most states view pay-if-paid clauses with disfavor, and do not need much incentive to find them unenforceable.

On one hand, there are statutory laws protecting subcontractors and suppliers, and attempting to keep the financial risk of construction projects on the property owners and general contractors: mechanics liens, bond requirements, criminal statutes, payment timing provisions, etc. On the other hand, there are contract provisions with which general contractors and property owners attempt to shift the project’s financial risk back down the ladder. Generally, judges tip the scales in favor of subcontractors and suppliers when these issues come up in litigation, but by no means is that always the case.

This battle between policy and contract is ongoing, and likely will continue in perpetuity, or at least as long as there are payment problems on construction projects.

About Nate Budde

Nate is the Chief Content Officer and Editing Director of the The Lien and Credit Journal, as well as a featured author, and works as the Chief Legal Officer and General Counsel at zlien, the nationwide mechanics lien service that publishes the blog. He is a licensed attorney in Louisiana, and a graduate of Stanford University (B.A.) and Tulane Law School (J.D.).
- See more at: Zlien Articles

Buczek Enterprises: Breaking The Silence

Buczek Enterprises, a National Association of Mortgage Field Services (NAMFS) Regime Member, issued a pitiful quasi Public Statement to those Contractors whom they have defrauded. While I take it with a grain of salt as, to date, Buczek Enterprises has failed to do much of anything other than #LIVEITUP on Contractor’s Pay already issued to them by a plethora of Clients, it is reprinted here,

From: “Buczek Enterprises” <>
Date: Apr 16, 2014 11:02 PM
Subject: Vendor Network – Update – 4/16/14

To our Vendor Network:

Buczek Enterprises is close to finalizing negotiations to ensure all contractors, creditors and clients’ needs are addressed.  This plan continues to evolve daily with our continued focus on getting our contractors paid and we appreciate everyone’s willingness and patience to work with us.  Through this process, we’ll be reaching out to contractors individually going forward over the next few weeks on what type of actions are necessary to protect all parties involved.   Some clients are attempting to settle past due amounts, others are working on a process to ensure payments are made to our contractors and others continue to stay on the course of slower than normal payment cycles with adjusted amounts that require additional leg work.   Due to the variety of clients and scenarios that need to be ironed out, we expect phone calls to start to occur over the next couple of weeks as payment information to Buczek Enterprises has been established. 

Again, thank you for your hard work, relationship with our company, and continued patience in this process.

For any further inquiries, please contact:

Notably missing is any form of personal labeling; nothing but the bland and generic as is typically displayed by most criminals whom show no remorse for the lives they have destroyed. I mean what would you expect? Eric Miller, the NAMFS Regime Reich Executive Director has ensured that Buczek Enterprises will NEVER BE brought in front of the NAMFS Regime’s Board of Directors for Ethical Issues — go figure as the term Ethics is antithetical to any NAMFS Regime Member’s conduct I have ever reported upon.

On a separate front, Source speaking on condition of anonymity at Altisource, have stated that they are optimistic that those Contractors whom they had liaised with based, in part upon Foreclosurepedia’s first Publications, should have results within  30 days or less. In credit to Buczek Enterprises, it would appear that there have not been any intentional interference with document requests and I would presume that this would be the same for other Clients if they are, in fact, attempting to advocate on behalf of Contractors.

The Buczek Enterprises Crisis, albeit a pivotal moment, is a sad situation. It is a testament to why Financial Institutions and Portfolio Holders need to get off their bullshit quest for Background Checks upon Contractors — these were happening anyway and at FAR LESS of a cost than the NAMFS Regime’s Aspen Grove Solutions — and begin to investigate the NAMFS Regime Member Order Mills. Let’s keep this real for a moment: You have financially insolvent people like Adam Buczek running a Ponzi Scheme on Steroids; you have HomeStar SEVEN MILLION DOLLARS IN THE HOLE and still issuing out Altisource work; you have Heather Berghorst, the NAMFS Regime Secretary spinning down Berghorst Enterprises and firing up Heritage Home Solutions … on and on and on.

Altisource is the only Portfolio Holder I have found, to date, to step to the plate and NOT ONLY attempt to resolve issues, but privately they are adamant about fundamental, systemic change. In the near future I am hopeful that another Firm, Sentinel Field Services (SFS) will also begin to display these same, noble characteristics. SFS will actually be in a larger Article over the weekend.

The Buczek Enterprises Fiasco will go down as the first, well documented case of Ethics Violations which the NAMFS Regime refused to address. While all other cases I covered were clearly established, Buczek Enterprises was a NAMFS Regime Legacy Member. History will record well the free, willing and overt lack of action by the NAMFS Regime. I will actually dedicate a COMPLETE CHAPTER to this, including a large amount of unpublished information, in my upcoming book which should hit the shelves towards the end of the year.