Many of you whom read my Articles are aware that I am an avid Open Source Fanatic. Coding is poetry to me as they say in WordPress. With that said, many of you remember the Carol Boyd fiasco, not the fraud committed against Contractors, but the quasi employees whom brought their own private laptops in to the fold out card tables to process work orders for her — she’s back in business, by the way and the National Association of Mortgage Field Services (NAMFS) Regime which she contributed to heavily could give a rat’s ass. Anyway, as the Mortgage Field Services Industry continues running headlong into the breech of technology which neither they nor Aspen Grove Solutions nor any of the hack Financial Institutions or Portfolio Holders understand, the risk of financial data flooding out is about 99 percent now. Take the disgraced former Secretary of the National Association of Mortgage Field Services (NAMFS) Regime Heather Berghorst. As we all know, Berghorst has filed for Chapter 7 Bankruptcy while collecting unemployment. The problem, though, is that the computers which lie strewn here and there which will be bought up like a flea market guarantee that anyone whom wants both her Client’s information and confidential emails pertaining to the homeowner’s will simply pony up the $100 on Craigslist.
When you delete a file, it isn’t really gone. Operating systems don’t purge information when a delete command is given; they simply remove the pointers to that file and classifies the space that the file occupies as available for overwrite. But until that space is overwritten with new information, the ‘deleted’ file can be restored.
Even when you overwrite the data, the problem is that it still leaves a magnetic footprint. You see, this is the problem when people get all pumped up on technology as if it is the Holy Grail and shit. To date, I have not met a single person in this Industry whom I believe has a clue about the ramifications of the blind application of technology. In fact, even Brian Drain, Buczek Enterprises’ former IT Guru, got caught slipping when it came to National Field Network (NFN) lest it was preordained. If the debacle was preordained then quite a few folks could be sporting Orange as the new en vogue color during their Extended Stays.
According to the Daily Mail, Avast found the information below on just 20 phones that previous owners thought were wiped clean:
• More than 40,000 stored photos
• More than 1,500 family photos of children
• More than 750 photos of women in various stages of undress
• More than 250 selfies of what appear to be the previous owner’s manhood
• More than 1,000 Google searches
• More than 750 emails and text messages
• More than 250 contact names and email addresses
• Four previous owners’ identities
• One completed loan application
As we all know, Eric Miller’s rush to get Aspen Grove Solutions buried so deeply up everyone’s ass utilizes the cell phone, in part, to cross compare both the Electronic Serial Number (ESN) and the Geo Location features — The Geo Location additionally never seems to shut off and Aspen Grove Solutions has the technological capabilities to track you and your family 24/7/365 should they desire. With such an incredibly high turn over in the Industry today — fraud and bankruptcy seem to be the two ranking causes — the reality is that the New Mecca of mobile technology will ultimately spell doom for the Industry. In fact, organized crime is already ahead of the curve — that is Organized Crime which is extemporaneous from the National Association of Mortgage Field Services. The reality is that the Mortgage Field Services Industry has absolutely no legal leg to stand upon with respect to demanding that W9 personnel even wipe their desktops, laptops or mobile devices clean before resale. More on point, though, there is no way to ever track it in an Industry that cannot even seem to keep track of whom bribed who.
The power and control one may have over W2 versus W9 personnel is night and day. Generally speaking, W2 personnel are issued and use Company Equipment such as Desktops, Laptops and Mobile Phones. Company policies are easily implemented without the implication with W9 personnel that the National, Regional and Otherwise Unspecified Order Mills are actually working an employee — we already had a ruling about this in 2011 under Hurst v Buczek Enterprises.
By mid 2015, we are going to be heavily migrated into a position of Super Regional Order Mills dispensing Work Orders out to large, state level facilitators whom are largely comprised of W2 personnel. Granted, the rural areas and places such as Hawaii, Alaska, Puerto Rico, Wyoming and perhaps Montana will not follow suit; in these areas we will still see the W9 as the only viable choice, the metro areas will move in this direction. They will move this way as, by in large, there is no money to be made anymore once the Work Order becomes diluted through more than one Order Mill. Additionally, with the speculative paranoia that surrounds my predictions, most of the soothsayers realize that I am one hell of an analyst. To put it poignantly, a Client stated to me last week that she wasn’t sure whether my predictions drive the Market or vice versa as the lines are blurred on most issues.
The Mortgage Field Services Industry will not migrate away from their W9 Cash Cow willingly nor immediately. No, there are still too many corrupt Members of the National Association of Mortgage Field Services (NAMFS) Regime feeding at the trough like cattle being fattened up for the slaughter. What we will see, though, is a cookie cutter model which begins to stamp out the Rules of Engagement for the second half of the decade. Gone are the days when sad clowns may come in and gorge at the banquet table of Contractor Fees and then pick their teeth with the bones of said Contractors.
It is timely to discuss this issue as the Consumer Financial Protection Bureau (CFPB) begins to assess the reality of Independent Contractor versus Employee Claims. In a down economy with an enormous unfunded mandate called Obama Care, those Firms which escape the specter of the Hurst Decision, will go W2.