The National Association of Mortgage Field Services (NAMFS) is currently being lambasted over the overwhelming public perception that its Board of Directors are corrupt to the core. As the vast majority of the Mortgage Field Services Industry is aware of, Heather Berghorst whom is the former and disgraced Secretary of NAMFS recently completed her second bankruptcy nearly to the day that the clock stopped tolling on the first. Berghorst was recently ordered by the US Bankruptcy Court in Michigan to begin to make restitution type payments to one Contractor for refusing to pay that which she owed. The federal court ordered payment schedule was based, in part, upon charges of Embezzlement, Fraud and Larceny. Fifth Third Bank is currently suing Heather and Doug Berghorst for Willful and Malicious Injury in Federal Court as well. This, in addition to the hundreds of claims of fraud levied against Berghorst, totaling nearly One Million Dollars, calls into question the very Board of Directors under the questionable leadership of their Executive Director, Eric Miller.
In a time of heightened scrutiny and compliance, NAMFS Policy and Procedure are being shown to be woefully inadequate to deal with the proliferation of fraud. In fact, under the leadership of NAMFS Executive Director Eric Miller and his cohort Vice President Adriana Farelo-Fernandez, Heather Berghorst was given a pass with respect to Ethics Hearings and further allowed to remain as a NAMFS Member in Good Standing. Even the non existent company Heritage Home Solutions which the Berghorst’s funnelled hundreds of thousands of dollars through in an attempt to defraud Fifth Third Bank receives carte blanche treatment even to this day by both Miller and Farelo-Fernandez.
While Foreclosurepedia would rather be congratulating Farelo-Fernandez on her upcoming child; a child which comes on the heels almost to the day of her and Miller’s attendance of last year’s Florida FAST Conference — whether by design or coincidence Foreclosurepedia has not yet been informed — the reality is that this dynamic duo seem hellbent upon creating a Legacy of Fraud for Farelo-Fernandez’s child best I can tell. Do I personally believe it possible that Farelo-Fernandez had inappropriate sexual relations which may tend to explain the timeline of her child’s birth? I may only base my opinion upon that which I know about NAMFS,
Five Brothers and its subsidiaries are facing a One Hundred Million Dollar Sealed Qui Tam by the US Attorney General’s Office by and through a Relator whom Foreclosurepedia is keeping confidential pertaining to multiple counts of violations of the False Claims Act in addition to a litany of other Counts in conjunction with US Bank. Foreclosurepedia has every intention of releasing this document over the weekend.
Multiple NAMFS Members have orchestrated the fleecing of Members of Labor to the tune of Millions of Dollars in any given Fiscal Year. Heather Berghorst, the former and disgraced NAMFS Secretary, bankrupted out twice in ten years; defrauded multiple Members of Labor Nationwide to the tune of nearly One Million Dollars; is pending Willful and Malicious Injury charges by Fifth Third Bank in Federal Court and yet remains a NAMFS Member in Good Standing. Jay “Gay” Goscinski, a NAMFS Member whom lied to obtain NAMFS Membership and has now defrauded multiple Members of Labor to the tune of nearly a million dollars which is now being bid upon by Goscinski’s Client, another NAMFS Member, for forty cents on the dollar. Adam and Amanda Buczek, Buczek Enterprises, defrauded well over a million dollars from multiple Members of Labor and were, along with all others listed aforementioned, given safe haven as Members in Good Standing within the NAMFS Membership. Carol Boyd, a Bronze Level Contributor to NAMFS, defrauded firefighters and disabled veterans upon Veterans Affairs Contracts held by VRM, yet another NAMFS Member. Need I go on?!
The below is an excerpt of a scathying Five Page Document which will be released in an Article tomorrow,
Opp, located in Texas, is the direct vendor with a contract for services in NC and VA from ALTISOURCE. Ecps is a vendor for opp in NC. The twelve of us directly affected are all subs for ECPS (referred to as subs).
The subs were contracted by ECPS to perform preservation and repair work in NC and VA on ALTISOURCE properties. ECPS relocated sometime in the middle of the year 2014 from SC to NC. They were taking property from the homes and storing it in storage units to sale for profit. In November of 2012 ECPS sent out a memo to all subs stating they would be moving items of over $20 cash value to storage units to be later moved by Jonathon and sold at his store in SC. When he moved to NC he also moved the store and all of its inventory. Over ten trips in a U-Haul type moving truck. Sounds expensive, right. Items included all personals, stoves, built in microwaves, refrigerator and anything else that could be moved. Mind you, these items were in working condition only. Most subs only received up to $300 for all the moving, inventory list and locks. The subs were directed NOT to include these storage items and the units in any pictures to the bank. This all becomes important in the meet of the story, you had to have a little back ground info to not get lost in the near future.
Starting in early 2014 we all noticed certain orders that were late and we began to question ECPS about payment. Many times in the past, orders would get over looked or payment would be paid sixty or ninety days out. This was concerning, but with the amount of orders being completed and paid on time it became the norm and not really a huge concern. In mid-summer of 2014, a list of late orders past thirty days was generated by some of the subs, with my total to be at $6,000 give or take. Some of the past orders were caught up and we were led to believe that it would all be corrected.
In September things really went south quick. The work was coming in and the payments were not. ECPS kept telling the subs the payments were on the way. ECPS said ALTISOURCE had a payment problem within their computer systems and they were shut down for two weeks. This was a common excuse they used in the past when payments were late. In the meantime, Jonathon was continuing to make rounds to the storage units and selling items.
I mean am I the only one whom finds anything to be criminal anymore? Are Eric Miller and Adriana Farelo-Fernandez so blinded by their star status on the NAMFS Board of Directors to believe they are not eventually going to be hauled in front of a Grand Jury? More on point, Adriana, you are not even being paid!
The reality is that we are well beyond the pale with respect common criminals as I see it. We have means, motive and opportunity. We have pattern and practice; we have modus operandi. At the end of the day, what we have here is an organized conspiracy which crosses state lines, using electronic means and the US Postal Service, in the furtherance of artifices and schemes in my opinion. And the funny thing is that it no longer is simply my belief. Media inquiries are beginning to make the rounds, now.
Over the next several days Foreclosurepedia will begin to walk the American Public down the dark corridors of the entirety of the NAMFS Board of Directors and precisely whom knew what and when they knew it.
The false sense of security which the NAMFS Logo has given to both the American Public and the Mortgage Field Services Industry is now recognized to be the sham which it truly is. Like a beacon for organized crime, the NAMFS Logo beams out through the dark and nefarious underworld of Industry Fraud. Racketeering, Loan Sharking and Extortion are all terms I firmly believe are ongoing under other names such as Chargeback, Merger and Contractor Black Balling. Stay tuned and our best goes out to the latest addition to NAMFS vis-a-vis Farelo-Fernandez’s child.
