John Ward, the founder of the National Association of Mortgage Field Services (NAMFS), had perfected the racial dog whistle which cut along Party Lines. And in internal NAMFS email communications from 2003, exclusively obtained by Foreclosurepedia, we saw precisely how far into the gutter Ward was willing to go. Ward, former owner and founder of First American helped spawn folks like Shari Nott, CEO of National Field Network (NFN). NFN is responsible for fraud in the hundreds of thousands of dollars against Minority Females and Labor. Even worse, NFN recently handed over employee social security numbers to a phishing scam. Ward had never been a stranger to blurring the lines when it came to getting what he wanted.
One of John Ward’s first detractors was none other than Dan Buczek, founder of Buczek Enterprises. Buczek, in 2003, fashioned himself as a grunt, to use his own quote, from an internal NAMFS email dated 16 December 2003, between he and John Ward. Buczek was extremely critical of Ward and the entirety of the process in which Ward conducted the meeting as a whole.
The lengths to which John Ward and his cronies conspired to defraud HUD were astounding. Moreover, though, the simple and salient fact that Richard E Dunne, the man tasked by HUD to oversee the meeting and follow up Conference Calls, indicated a level of sophistication which helped to explain what was coming down the pike in the 2008 Crisis. Dunne, still employed by HUD has refused any comment and Foreclosurepedia has filed a Freedom of Information Act (FOIA) request for materials pertaining to his participation with Ward. John Ward, the founder of NAMFS, is now deceased.
Industry discounting has been in place at least since 2003. In fact, it was discussed by John Ward in the now infamous NAMFS 2003 HUD Memo we discussed over the weekend in such a cavalier fashion that even Industry Veterans were appalled. There is no other Industry on the face of the earth which reports a price that it pays to the US Government or their Prime Vendors and then pays a reduced amount. At best, this is known as a kickback scheme and more on point, it is a pay-to-play scheme, both of which are illegal in federal contracting.
In fact, it appears that this violates the Copeland Act. For those not familiar with the Copeland Act, it reads as follows,
The Copeland (Anti-Kickback) Act ( 18 U.S.C. 874 and 40 U.S.C. 3145) makes it unlawful to induce, by force, intimidation, threat of procuring dismissal from employment, or otherwise, any person employed in the construction or repair of public buildings or public works, financed in whole or in part by the United States, to give up any part of the compensation to which that person is entitled under a contract of employment. The Copeland Act also requires each contractor and subcontractor to furnish weekly a statement of compliance with respect to the wages paid each employee during the preceding week. Contracts subject to the Copeland Act shall contain a clause (see 52.222-10) requiring contractors and subcontractors to comply with the regulations issued by the Secretary of Labor under the Copeland Act.
Discounting, in an of itself, finds its roots in Organized Crime. And I submit that the pattern and practice of NAMFS has always been mandatory discounting which is never and I mean NEVER reported to nor documented by the Prime Vendors, Financial Institutions nor the US Government. And why not? I am glad you asked that question. Let me explain it in a way in which only a trained media professional such as myself is capable of doing,
Mortgage Contracting Services (MCS) has a standing order in its Contracts to Subcontractors that they must deduct, of their own accord, a percentage ranging from 5% – 25% of the published prices they distribute. Let’s say their published price states they pay $100. That means you will receive between $75 and $95. Thus, when a regulator inquires as to that which MCS pays, they are provided with the Master Services Agreement Paysheet. They are not provided with the reality of that which Subcontractors are paid. Nor are they informed of the chargebacks which MCS pockets and does not pass on to the US Government.
Are you curious how the perpetration of this mentality came to pass? My study of the law has made me distrustful of language. In that, both NAMFS and I agree. The language of violence, though, is formidable and that which NAMFS applies by and through its financial terrorism. Its minions are embedded everywhere much like the Gestapo of Nazi Germany. And while we will continue to discuss precisely those whom initially opposed the evil which John Ward conspired and put underway, we are going to close this part with one of the greatest of the NAMFS infiltrators, Denia Graham.
Much like a revolving door of recycling everything that is wrong, Denia Graham is indicative of the Mortgage Field 
Services Industry refusal to properly vet its Leadership based upon anything other than a business card signed by Eric Miller, the NAMFS Executive Director. In similar manner to how Miller collects a One Hundred and Twenty Thousand Dollar per year salary for doing nothing, so to did Graham has roll out upon the Industry like a plague. Instead of admitting that fraud against Minority Females and Labor is wrong; instead of looking through the same old optics that Management may do nothing wrong, Graham likes to offload the burden upon the most vulnerable in our Industry. In fact, over the past four years, Graham has cycled in and out of the an identical number of firms including, Nations Property Solutions, Aspen Grove Solutions, and BLB Resources. And while Graham cites her vision with respect to HUD as one of the highlights of what she brings to the table, Labor is not sold that this is anything other than another six figure salary firms pay before those firms pay that which they owe contractors whom are actually doing the work. Graham is not really that different from a Slipping Jimmy — a person whom fakes the fall and sues.
While Graham has always believed that she and she alone knows all, does all, and is all, the reality is that even Aspen Grove Solutions (AGS) realized what a total and complete failure she is. Fact of the matter is that AGS drummed her and her pretentious title she hangs on LinkedIn out before the dust had even settled from her cellulite ass sitting in the chair.
I have spent a lot of time, in my career, writing about people whom are total and complete abject failures. Graham is nearly at the top of my list. Here’s one of the biggest problems I have: Graham is one of those people whom believe because they have a vaginal cavity, the entire world ought bend over backwards to assist with her unjust enrichment of herself upon the backs of Minority Females and Labor. What we know, for sure, is that Graham was seated on the NAMFS Government Relations Committee. For quite sometime now, Graham has been working extremely hard to create a standardized training portfolio for NAMFS according to one other NAMFS Government Relations Committee Member whom she confided in. These training modules, which Graham salivated over, would be required to work upon Wells Fargo properties.
The problem is that each and every wet dream that Graham has had has come at the expense of those whom hire her and Minority Females and Labor. Take Tenant Access, for example. Brought on as the Chief Operating Officer (COO), Graham did what she does best — nothing other than collecting a check. At least she spent a couple years there before leaving.
And one after another, Graham has taken a shit on company after company. She spent a year at Merrill Lynch in Oregon. Graham spent a year a Field Asset Services (FAS) sucking their life blood out. She spent a year at Aspen Grove Solutions (AGS), Consulting. Consulting? Really, on what? How to further fuck Minority Females and Labor?!
Denia Graham’s resume reads like junkie on a train wreck. But you see, this is how NAMFS operates. And apparently Graham must be a Miller Regime chosen one. You see, when you have the blessing of Eric Miller, the Industry must turn a blind eye to the shakedowns which finance the financial terrorism NAMFS Members execute on a daily basis. In this, Graham reminds me a lot of Mitch Davidson, the infamous Market Ready executive whom was in charge of business development at Market Ready while writing hundreds of millions of dollars of contracts for Purdy Enterprises.
Is it just me or is anyone starting to realize precisely how much fraud is required to ensure that Denia Graham is capable of continuing her pursuit of year long stints in the Mortgage Field Services Industry?!
We will continue with our Series on the NAMFS 2003 HUD Memo over the weekend and sit down with people whom have a hell of a lot to say about Denia Graham as well on the Foreclosurepedia Podcast. And should Denia Graham have the opportunity to have an honest idea and thought or should Mitch Davidson decide to grow a pair instead of being Thomas Purdy’s eunuch, I invite both to be guests on my show!
