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Federal Trustee Names Jaffa, Nott, Crandell, and Seif In Fraud Filings

Jack Jaffa, Shari Nott, Chris Crandell, and Mohamed Seif. The names read like a Who’s Who of the National Association of Mortgage Field Services (NAMFS) during the 2008 Financial Crisis. And during the height of COVID, as the New Year rolled over, they were all named in documents filed by the federal bankruptcy trustee as a result of the Involuntary Bankruptcy against National Field Network (NFN) under Fed. R. Bankr. P. 7001, 11 U.S.C. §§ 541, 542, 544, 548 and 550, and 28 U.S.C. § 157(b)(2)(A), (B), (H), and/or (O). And it is a case that Foreclosurepedia has been covering for over half a decade now. Coming on the heels of the federal indictment against former NAMFS Associate member Vicki Boser with respect to $750,000 in insurance fraud; as Boser is staring down a 20 year prison sentence, many are wondering if NAMFS Executive Director Eric Miller’s colleagues are contemplating sacrificing the king to save their own skin. And to truly understand the length and breadth of the NFN fraud, it is easiest to begin to look at the NAMFS mindset which allowed it to exist in the first place.

As a 501(c)(6), NAMFS is a non profit corporation. To that point, federal law is quite clear in that when asked for a copy of their IRS 990 — income tax filing — they are required to present it. For the past two years, Eric Miller has refused to do such. Miller has a lot to be afraid of. In fact, according to the last NAMFS 990, Miller’s salary today consumes over NINETY NINE POINT SEVEN PERCENT of all NAMFS member dues.

Greed, for want of a better word, would appear to be good for Miller and his acolytes. It appears to almost be a Family Tradition as Hank Williams Jr sings about. And normally no one would have ever been the wiser. Tens of millions of dollars in fraud occurred under the roof’s of former NAMFS member’s firms such as former NAMFS Secretary Heather Berghorst whom owned Berghorst Enterprises — amongst other firms — Buczek Enterprises whom also settled claims of employee misclassification, InsuranceTEK whose owner, Vicki Boser is facing a 20 year prison sentence, Boyd Property Preservation, Michael Breese whom owned HomeStar Property Solutions, Brian Mingham whom owned National Real Estate Solutions — the list goes on and on and on. The road map for this was laid bare in our story today.

Safeguard Properties (SGP) CEO Alan Jaffa has a brother back in New York. His name is Jack Jaffa. And in May of 2009, Jaffa formed National Management and Preservation Services LLC, d/b/a National Field Network (NFN) in Delaware which was then brought into New Jersey as a foreign corporation in October 2009. This was at the veritable height of the 2008 Financial Crisis. Robosigning was in vogue, Wall Street was receiving bail outs at astronomical rates, and NAMFS members were partying in the streets like it was 1999. Champagne bottles were being uncorked almost as quick as yachts were purchased. And from the inception of NFN, Jaffa hired Sam Stern to recruit a woman whose connections to NAMFS founder John “Chip” Ward were storied. Her name was Shari Nott. Their relationship is well documented and existed throughout the days of Ward Associates, First American Field Services and their movement into Florida in 1997, and ultimately through First American Financial’s purchase of Ward Associates and the hiring of Ward. It would be fair to say that Ward, whom passed in 2013, was the mentor to Nott as she elaborated upon in Ward’s eulogy, “The hundreds of Wardisms learned from you have guided me through many obstacles in life. You will be missed and never forgotten.”

Jaffa was the 100% owner of NFN and classified as an investor according to federal court documents, while “Nott was given complete control of the [NFN] business and was responsible for all major decisions. Nott’s job duties included operations, client services, business development and information technology.” Thus, it is critical to understand the mindset of NAMFS, its founder, Chip Ward, and ultimately Ward’s protégé Nott.

In 2010 Chris Crandell was hired as NFN’s Chief Operating Officer to the tune of $288,000 a year. Then in February 2011, National Field Network Now, LLC d/b/a All the Right Movers (NFN Now) was formed. At the time of its formation, Nott, Jaffa and Crandell were the members of NFN Now. NFN Now provided property preservation services and was formed with an original intent to franchise the business. Foreclosurepedia has also confirmed the franchising angle with another party whom was recruited to undertake services associated with this goal. In an interview in 2017, this is what was said,

I will answer any questions you ask if I have any answers but remember I was never respected or trusted by Chris or Shari and never brought into any confidential information or situations. So as far as any dark secrets I have none.  I’m not sure about that company name you mentioned. To my understanding NFN Now was supposed to turn into a franchise opportunity for vendors. Sort of like a McDonald’s or Taco Bell. Total separate entity from NFN. Two separate businesses two separate bank accounts.

According to federal court documents, NFN “… provided NFN Now with the start-up funds to commence operations[,]” and “NFN Now shared office space with the Debtor.” In 2011, NFN secured contracts with Reverse Mortgage Solutions (RMS). To understand this relationship, one really needs to understand how it began. In 2014 two companies were collapsing based out of Derby, NY. One was Buczek Enterprises and the other was ACA Asset Management Group. Without getting into the extremely eclectic history of the Buczek Family — simply search their name on Foreclosurepedia — the name we are interested in is Amanda Buczek. Amanda is the daughter of Dan Buczek whom founded the company. ACA is simply the death spiral, quasi-subsidiary. NFN had hired Buczek Enterprises to perform an enormous amount of distressed asset servicing for them. As we began digging into the historic levels of fraud allegations, we had occasion to flip two sources. The first was the then CIO of both Buczek Enterprises and ACA. The other was the then Associate General Counsel of Altisource. We are primarily going to discuss the CIO. This was a message from 2014,

Thanks for your email, I’ve been meaning to send you a VM confirmation. I apologize for not handling that yet. Buczek‘s story with NFN travels miles. We can certainly discuss tomorrow via telephone if you’re around?

With Amanda, she held a sales position at NFN because while she was a partner in her own business, we as a company aren’t big enough to support a marketer of Amanda’s caliber. She truly knows everyone and is quite the saleswoman. Attended many conferences, etc., that sort of thing. That being said, IMHO, our company was grossly used to NFN’s benefit.. while it looked like the relationship was beneficial on the surface, it was way skewed towards NFN and once it was clear that the relationship was toxic we exited it Amanda found other employment. The control was and always has been in Shari’s hands. From my technology standpoint, we did a ton of work for NFN that was definitely their responsibility but due to their [lack of] technology we were forced to do it.

NFN took the position that it “fired” Buczek Enterprises which caused a massive collapse and ripple effect throughout the Industry. In fact, the CIO had this to say when they had figured out that the fix was in,

Last but not least, NFN did not fire us. If they are saying that, that’s their business Sounds desperate. Even saying it was a mutual separation would be a stretch IMHO…

After the collapse of Buczek Enterprises, Amanda Buczek was brought in house to NFN and ultimately went to work at Reverse Mortgage Solutions. Whether this was a reward for the collapse or simply a raiding of the rolodex is anyone’s guess. What we do know is that millions of dollars in billable invoices went up in smoke which NFN never had to pay. In fact, within only weeks of Foreclosurepedia publishing, the following was issued from Buczek Enterprises,

Due to circumstances beyond our control we are hereby notifying you that on Tuesday March 18th, 2014 all new work orders submitted to Buczek Enterprises, LLC. will be rejected. We are unable to make exceptions to this timeframe  and request that you immediately work to identify the impact to your business and make adjustments as necessary. All work orders submitted prior to 11:59pm EST  on Monday March 17th, 2014 will be accepted and completed.

By the 24th of March, Labor was in high gear putting together door hanging parties protesting Buczek Enterprises refusal to pay them. Here was an email sent to Amanda and Adam — Amanda’s one brother without felony convictions,

we got 10,000 door hangers we will be posting on every home we ever did for you guys we will be posting these at all union halls, grocery stores bars clubs subways we also have some really nice posters to hang … we need to get the word out to all of philly and suburbs buczek ent. will soon be a house hold name this door hanging event will help to meet new contractors for your company and mine next thursday your also invited to the protest at a bank this bank hires company’s who rip people off im living proof

I digress. On August 22, 2011, NFN Investments MI, LLC (Investments) was formed in the State of Michigan as a limited liability company. At the time of its formation, Nott, Jaffa and Crandell were the members of Investments. According to federal court documents, “… RMS requested that the Debtor and/or Nott purchase a portfolio of approximately thirty (30) properties in Michigan, which was the purpose for Investments being formed.” In May 2013, NFN Claims (“Claims”) was formed. At the time of its formation, Nott, Jaffa and Crandell were the members of Claims. Claims was formed to file and process mortgage insurance claims. Claims stopped operating when NFN stopped operating. Crandell formed All the Right Movers, LLC as a Delaware corporation headquartered in Pennsylvania (ATRM DE/PA). In November 2015, Trio Solutions, LLC (“Trio”) was formed. At the time of its formation, Nott, Jaffa and Crandell were the members of Trio. Trio was an entity to be used to address non-payment of homeowners association dues for the institutions which used NFN’s services. In March 2017, Commigrate Capital, LLC (Commigrate) was formed. At the time of its formation, Nott, Jaffa and Crandell were the members of Commigrate. Upon information and belief, Commigrate was an entity to be used to outsource customer service of the Debtor. In or about July 2017, Chik-Chak Shack, LLC (Chik-Chak) was formed. At the time of its formation, Nott, Jaffa and Crandell were the members of Chik-Chak. During the same period of time, Nott formed a company called Plan A and she was the sole member of that company. And finally, in February 2018, All the Right Movers Unlimited, LLC was formed. Jonathan Oglensky, Nott’s husband, is the registered agent.

Of note are several things. First, federal court documents state that NFN was insolvent by 31 December 2015. In January 2017, NFN had laid off 25% of their work force and by November they fired all but 30 employees out of an estimated original 200. And by early 2018, Crandell was fired.

It is that December 2015 insolvency that is important. The jig was up and yet NFN — Jaffa, Nott, Crandell and Seif continued to operate like nothing was amiss. For years, the Fraud Four pushed out work orders while simultaneously clawing back monies owed to Labor under a spurious chargeback scheme. These actions allowed Nott to draw a salary of $350,000 plus other benefits including additional salary advances of $1,088,517.55. While this, in and of itself, was heinous, Nott’s receiving of $6,039,586.10 from NFN was the straw that broke the camel’s back. This is how it was described in federal court documents,

The Nott Loan is comprised of various personal expenses, e.g., funds in excess of $500,000 made available to Nott to purchase a residence in Long Branch, New Jersey, to funds advanced related to vacation homes in the Bahamas, luxury vehicles, including a Thunderbird, multiple Audi vehicles, a specialty Tesla vehicle and a Ford Explorer, to payment of contractors who did personal work for Nott at her various residences and/or other business ventures.

Additionally, around April of 2018, NFN, Nott, Crandell, Oglensky, NFN Now, Investments, ATRM DEPA, Trio and Commigrate entered into a “Mutual Release and Transfer Agreement,” which provided that Nott, Oglensky, NFN Now, Investments and Commigrate would pay $60,000 in exchange for the transfer of Crandell’s interests in ATRM DE/PA, Investments and Commigrate to Nott, and his interests in NFN Now to Oglensky. Many looked at this as a payment in exchange for silence memorialization.

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Stay tuned for the breakdown of the monies which the federal trustee is demanding from Jaffa, Nott, Crandell, Seif, and Oglensky in this week’s Foreclosurepedia Industry Insider. We can tell you this, they are in the millions of dollars. We also walk you through all the ins and outs of how NFN was allowed — supported — by other NAMFS members in their historic meltdown. It’s a perp walk you don’t want to miss!

Former NAMFS Associate Member Vicki Boser Facing 20 Years In Prison

In 2016, when National Association of Mortgage Field Services (NAMFS) Executive Director Eric Miller attempted to whitewash nearly One Million Dollars in Insurance Fraud, Foreclosurepedia was having nothing of it. Here is how the Department of Justice put it, “Insurance agent charged with wire fraud for scheme to steal $750,000 in insurance premiums from clients across the country.” Miller and the NAMFS Board were advised about the fraud in October of 2016 according to Brian Carney, Executive Vice President of Cochrane Agency, Inc. whom were then a NAMFS Associate Member, at the time. Miller and the NAMFS Board purposefully waited until December of 2016 to bring this information to the victims, for reasons unknown. At the time, Carney verified that Cochrane Agency was cooperating withCochrane Tracking Pixel Washington State Insurance Commission investigators and that Eric Miller and the NAMFS Board of Directors were informed months ago. He gave me the name and number of one of the investigators whom I was unable to reach before the time of publishing. That is where the world became a very strange melange of low tech email subversion by the Cochrane Agency. Carney sent Foreclosurepedia an email with respect to the names and contacts of the investigators via email. Carney knew that I had been talking to victims and I believe presumed that I would forward that email to they. Carney appears to have purposefully embedded a tracking pixel, which generally connects to a GIF file stored on a web server. Each time a tracking pixel is viewed, it generally pulls the GIF file from the server, creating a logged event that lets a person know exactly how many times someone accessed the message or forwards it.

Vicki Boser, who owned and operated InsuranceTek, Inc., appeared on an indictment in U.S. District Court in Seattle, on 13 November 2020. Boser was charged with pocketing premium payments from insurance clients and providing fake certificates of insurance of $750,000 and is facing up to 20 years in federal prison. According to records filed in the case, between 2014 and 2016, Boser defrauded various clients in high-risk insurance fields.  Boser founded InsuranceTek, Inc., in 2003 and specialized in assisting small businesses that work in high-risk fields‑‑including private investigators, process servers, mortgage and field service companies, and security guard companies — in securing insurance policies to cover their business operations. Boser would find companies willing to insure the high-risk companies, and if necessary, find a company to finance the premium payments. Boser was required by law to collect the premium payments from the clients and pay them over to the insurance companies.  Instead, she pocketed some of the payments, created false insurance certificates, and led the high-risk companies to believe they were insured. In some instances, the insurance companies cancelled the insurance for lack of payment, but Boser received the notice and hid it from the insured. The insurance premiums were tens of thousands of dollars — in one case more than $100,000. Boser used the money for her personal expenses, including spending a great deal of money at a casino resort.

Boser had clients across the country — many small family owned businesses that placed a great deal of trust in Boser. Court records detail the frauds regarding an Illinois-based property inspection business, and Ohio, Tennessee, and Texas-based businesses that maintain foreclosed homes.  Some of the clients only learned their insurance policies had been cancelled when they contacted the companies about renewing the policies.  The investigation was triggered when the Washington State Insurance Commissioner’s Office received complaints. Both the FBI and  the Criminal Investigative Division of the Washington State Office of the Insurance Commissioner are involved in the investigation.

For nearly five years, Foreclosurepedia pursued the matter with the Washington State Office of the Insurance Commissioner. And during those five years, Eric Miller did everything in his power to sweep the issue under the carpet. The problem, though, was those three months he chose to keep victims in the dark. And this has come to be both a pattern and a practice of Eric Miller. Take for example Miller’s continued refusal to produce the NAMFS IRS 990 income tax form required, by federal law, to be presented to the public upon request.

The United States Attorney’s Office for the Western District of Washington updated the following for Boser’s upcoming trial,

Minute Entry for proceedings held before Judge James L. Robart – CRD: Ashleigh Drecktrah; AUSA: Lyndsie Schmalz; Def Cnsl: Michael Nance; Court Reporter: Nancy Bauer; TELEPHONIC STATUS HEARING as to Vicki Boser held on 4/5/2021. The court and counsel discuss the status of this matter. The court resets the trial date for Thursday, 10/7/2021; Pretrial motions due by 8/26/2021. Defendant remains on bond. (AD) (Entered: 04/05/2021)

And as the investigation continued, it became apparent that NAMFS and Aspen Grove Solutions (AGS) were cherry picking how they background check people which calls into question the veracity of the ABC Number AGS deploys. As many remember, Eric Miller convened a special meeting to rubber stamp the ABC Number with former Wells Fargo acolyte Jim Taylor cracking the whip. Many, including the Chairman of the meeting at the time, described the process as a gun to the head in order to pass the mandate.

Karla Deane was was employed as a processor by Boser at InsuranceTEK. In a licensing appeal, Boser was called as a witness to testify on behalf of Deane in August of 2016. In fact, Deane had been convicted of Trafficking In Stolen Property in the Second Degree four years earlier. Her relationship with Boser was solidified as her mother worked for Boser. According to NAMFS and AGS, this would be a crime in which she would be forbidden to work in the Mortgage Field Services Industry. And as in many cases such as the hiring of Melissa Shankin as Operations Manager at Five Brothers whom had a felony Possession of a Controlled Substance as well as tax liens, the federal convictions of family members for fraud and investigations about militia ties at Buczek Enterprises, the Breaking Bad theft of a motor home by Jay Goscinski, Mickey Snow with the felony Arson conviction — you get the point. The reality is that NAMFS members are given the wink and a nod when it comes to compliance.

The pattern and practice of Eric Miller and NAMFS itself has been called into question dozens of times going all the way back to the 2003 meeting between NAMFS founder, John Ward, and the US Department of Housing and Urban Development (HUD). Multiple NAMFS members have committed fraud to the tune of millions of dollars against innocent victims with the latest catastrophe ending up in the involuntary bankruptcy of National Field Network (NFN). And instead of that fraud being punished it has only been rewarded by other fellow NAMFS members. For NAMFS members to continue supporting the rampant fraud throughout the Mortgage Field Services Industry is an atrocity. And as history will reflect as both Labor and Management stood by witnessing the financial terrorism unleashed by NAMFS members, Foreclosurepedia was the only one whom ever fought for the victims.

The Biden Administration Hammers Final Nail In Ma And Pa Landlord’s Coffin

Against the advice of Centers for Disease Control (CDC) officials, President Biden ordered the extension of CDC based COVID moratorium which several federal courts have stated exceeds the agency’s statutory authority provided in Section 361 of the Public Health Service Act, 42 U.S.C. § 264(a) (PHSA). Additionally in play are 4th and 14th Amendment claims. Holland and Knight, a multi-national law firm, has a great piece out that really brings into view the problematic nature of of the CDCs actions entitled Two Federal Judges Declare CDC COVID-19 Eviction Moratorium Unenforceable. Authored by H&K attorneys Brett Carroll and Jessica Early, it delves into the rulings against the Biden’s Administration and the CDCs continued moratoria depriving landlords of their inability to commence eviction proceedings. Of note, is the following from their article,

In Terkel v. Centers for Disease Control and Prevention, No. 6:20-cv-00564 (E.D. Tex. Feb. 25, 2021) and Skyworks, Ltd. v. Centers for Disease Control and Prevention, No. 5:20-cv-2407 (N.D. Ohio Mar. 10, 2021), groups of landlords, property owners and property managers, and a trade association challenged an order issued by the U.S. Centers for Disease Control and Prevention (CDC) – a major operating component of the U.S. Department of Health and Human Services (HHS) – that prohibited them from evicting certain tenants for nonpayment of rent. These recent decisions come on the heels of earlier orders out of Georgia, Louisiana and Tennessee refusing to enjoin the CDC’s order.

CNBC has a piece out on how the Biden Administration’s latest implementation of the CDC moratorium is a nail in the coffin for ma and pa landlords. Most statistics peg their ownership at over half of all rental inventory. And as the CNBC article discusses, at least eleven percent of those landlords are being forced to sell their assets. I want to put into perspective the number of renters — and thus assets — which are now potentially being handed over to the Too Big To Fail entities. on 07 April 2020, Maggie McCarty Specialist in Housing Policy and David H. Carpenter Legislative Attorney, wrote a report for the Congressional Research Service (CRS) — the entity that prepares reports for Congress — that there are roughly 43 million renters in the US. If we take, on average, that there are two people per household — that would account for children in some and couples in others as a whole — we come up with 21.5 million rental units plus or minus. If we then take 21.5 million units and divide by 2 as ma and pa landlords compose at least 50 percent of ownership, we get roughly 10.75 million rental units. And if we then take 10.75 million rental units and multiply by 11 percent, we come up with nearly 1.2 million units already sold.

No one is arguing whether or not municipal, county or state officials have the legal right to enact moratoria. Each and every jurisdiction would appear to have that legal right and the federal government appears only to have buttressed the moratoria existing at those levels. Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act in March 2020. The CARES Act eviction moratorium expired on July 24, 2020. The protections in the CARES Act, under §4024, supplemented temporary eviction moratoria and rent freezes implemented by governors and other local officials using emergency powers. Covered tenants could not be forced to vacate, and landlords could not file notices to vacate, until 30 days after the expiration of the moratorium 23 August 2020. The CDC eviction moratorium took effect 04 September 2020, and was initially slated to extend through 31 December 2020. However, it was extended legislatively through 31 January 2021, and extended again by CDC through 31 March 2021. On 29 March 2021, CDC further extended the moratorium until 30 June 2021.

Congress has the ability to enact legislation and the states have the ability to constitutionally challenge such. Arguably, I do not think anyone would want to challenge the CARES Act. So, I want to pick up our story on 24 August 2020. At that point-in-time, the legal rights of landlords and mortgagors were restored when it came to the 4th and 14th Amendment. Landlords were, if unrestrained by municipal, county and state officials, allowed to file evictions and foreclosures — at least in principal. On 04 September 2020, though, those rights were, yet again, seized and such seizure occurred without Due Process or Equal Protection Under Law. It was arguably the first time since the Revolutionary War that the government could seize assets without Due Process, Equal Protection, or compensation — many may remember the quartering of soldiers in colonial homes.

There are arguments, on both sides of the aisle, to be made. On the one hand, allowing a pandemic to spread, unrestricted, makes little sense. To this point, early on, COVID was unknown and not scientifically understood. By the middle of August, though, it appears that the scientific community knew what they were dealing with. The true concerns were never so much about protecting people, but were, rather, more about protecting the fragile health care infrastructure. The 1.9 hospital beds per 1,000 people was woefully inadequate and when compared to places like Argentina, for example whom had 5 hospital beds per 1,000 or the Ukraine whom had 7.5 per 1,000,  the reality began to boil down to saving face by not admitting the US was in worse shape than most third world countries. On the other side of the coin lay those whom felt that cratering the economy on the shoulders of Main Street was a price too high to pay and I agree with them.

In fact, it is obvious that the Biden Administration has finally realized that it is in a proverbial world of shit. This morning, the CFPB released their proposed rule change to Regulation X. Many of you will remember Regulation X from the 2008 Crisis wherein the Emergency Economic Stabilization Act — Dodd Frank legislation — was passed. In this nod from the CFPB the Beltway is admitting, outright, that the one off CDC Moratorium extensions have run their course and the federal judiciary is growing tired of extending carte blanche to the pundits whom would ever increase the ability of Washington to meddle in state affairs. Granted, small servicers are not required to abide by Regulation X; however, they are, as the name implies, small. Even more concerning, though, is the simple and salient fact that the Mortgage Field Services Industry will not be able to stay afloat for another eight months. Grass cut pricing is now at $30 per acre, three dollar inspections the norm, and if you are stupid enough to go for that pricing, you are up to 60 days out attempting to get paid.

If you are looking to make a change, why not make it today and join the thousands of folks in the Foreclosurepedia Nation whom have. Services like Maintenance and Remodeling are available from firms whom are willing to pay top dollar for your services. And with storm season rapidly approaching, why put off until tomorrow what you could do TODAY!


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NAMFS Members Offer $30 Per Acre For Grass Cuts

National Association of Mortgage Field Services (NAMFS) members are going all out in an attempt to bankrupt Minority Females and Labor during COVID. Recently, one of the awardees of US Department of Housing and Urban Development (HUD) Management and Marketing (M&M) Field Service Manager (FSM) contracts scrapped all pricing and ordered an acre of grass will only pay $30. Now, the working theory has always been that more volume equals more money. So, they are also offering $35 for two acres. This is not a typo. Here is their statement,

Now, I want to remind everyone that this is not a low level order mill. This NAMFS member is the second largest provider of services to the Mortgage Field Services Industry and if you include their HUD revenues, the largest. Of note here, there are no longer bids allowed or initial grass cut pricing.

On either side of the US, gas prices are now approaching $4 per gallon. This, coupled with insurance premiums rising — yet again — payments upon trucks, trailers, weed eaters, blowers, hedge trimmers and the latest litigation rolling out pertaining to employee misclassification has many wondering why they shouldn’t simply file unemployment claims against NAMFS members.

Successful unemployment claims have been prosecuted, over the past several months, against Industry firms. And when you look at the fact that is pricing is rolled out, without any ability to bid, it certainly strikes many as employee misclassification. To that point, the Massachuttes Attorney General just filed litigation against Uber and Lyft in an identical setting which created the AB5 legislation in California.

Today’s court decision is a major victory in our ongoing fight to support and protect Uber and Lyft drivers from unfair and exploitative practices,” said AG Healey. “The court plainly rejected Uber and Lyft’s latest attempt to deprive their drivers of basic protections that help them earn a living wage, including minimum wage, overtime, and earned sick time. Under our laws, drivers in Massachusetts can have both flexibility and the rights and benefits of employment status. Our case continues as we seek a court order to force Uber and Lyft to comply with laws that are already on the books.”

Foreclosurepedia has reached out to HUD for comment and will update when they reply. One thing is for certain, the days of the Order Mills are rapidly coming to a conclusion. The only problem with that is when the tidal wave of foreclosures arrive, there may be no one left to service them.

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NAMFS Has An Ethical Dilemma When It Comes To Aspen Grove Solutions

The National Association of Mortgage Field Services (NAMFS) has had a far too cozy relationship with Aspen Grove Solutions (AGS) for nearly a decade. Under the stewardship of Eric Miller, NAMFS Executive Director, AGS has used the non profit NAMFS platform as a piggy bank. Miller, whose salary consumes over NINETY NINE POINT SEVEN PERCENT of all NAMFS member dues, has fought transparency including violating federal law by refusing to present the NAMFS 990 tax return for public inspection. Over the years, though, Miller has worked extremely closely with many of his former Lender Processing Services (LPS) — now ServiceLink — colleagues whom have used AGS like a revolving door. In the middle of the last decade, Miller teamed up with Jim Taylor, Wells Fargo, and AGS to roll out the widely failed AGS background check. In fact, so riddled with verification issues, the AGS ABC Number is no longer even accepted by one of the Top 5 biggest Mortgage Field Services Industry firms. Millions of dollars have been raked in, though, regardless. Much of the controversy has been the $157 price tag for those in New York plus the $100 annual renewal, plus the $50 subscription fee.

Building on that, the very same investigation — which AGS outsources to First Advantage — is marketed for as low as $7, historically, with the State of Arizona’s General Contractor background check. A side note to the AGS background check system is firms such as ServiceLink and others are now refusing to accept their results and have opted to begin operating their own background check system. A real world example dealt with one contractor being authorized for Conceal and Carry in 32 states, but could not cut grass on a vacant home.

The NAMFS – AGS axis has been questionable, at best, for years. NAMFS has been hacked, incapable of implementing https security, and now, most recently has laid bare its NAMFS Academy to the public. Now, I am all for transparency; however, I do not believe it was ever the intention of the NAMFS membership to allow the training platform they have invested in to be released, free of charge, to the public. So, we did a little bit of digging. The NAMFS Academy runs on WordPress which powers approximately 37% of all websites on Earth. So, the software is mature and not the issue. It runs the Divi theme which I deploy on many of my Client’s websites. Again, a robust and mature software package. And the NAMFS Academy runs Tin Canny Reporting on their LearnDash, which is a WordPress plugin — also robust and mature. Some back-of-the-envelope math tells me that at the least expensive, solo distribution the NAMFS Academy is costing about $500 a year to run, just from the Software as a Service (SaaS) side. Figure about $50,000 for buying — or stealing if you speak to Stallion — the material produced, I would wager no one wants that information out in the wild for free. Funny thing is that is precisely where the NAMFS Academy is!

If that were simply the story, no party and no foul as either AGS are the laughing stock of the coding community or they purposely forgot to add several lines to .htaccess files on the website — and it is not the first time. You would have to ask them. Where the plot thickens, though, is that the NAMFS Academy is forcing the use of Adobe Shockwave which hit end of life on 19 April 2019! In fact, Flash is such a security threat that it is impossible to even operate today as demonstrated by the below screenshot. In this screenshot you will see that none of the NAMFS Academy videos or quizzes work anymore.

More telling, though, is the specific flavor of Shockwave which NAMFS or AGS chose to use. Just like Terms of Service (ToS), End User License Agreements (EULA) are bindable upon all whom use software — just a heads up. And this also impacts the Camtasia software which they used to pump a bunch of the non operational videos out, as well. Theoretically, this means that first, none of the information in the NAMFS Academy is ever updated annually. Second, it means that potentially the NAMFS Academy has not had any students over the past year. Finally, though, we can say with ABSOLUTE CERTAINTY that the material was never accurately proofread. Below is a screenshot from the NAMFS Academy which shows that this is the case.

See the title of Module 4 and the improper &amp? That is the bit character for Ampersand which is what we call the & symbol. So, for an Association claiming to be the Be All End All with 30 years of history, I certainly would have misgivings about anything produced by Eric Miller and his Aspen Grove Solutions pals.