RADON Testing in your home

04/15/2025

PETITION FOR NATIONAL FORECLOSURE TRANSPARENCY AND OVERSIGHT PLATFORM (FTOP)
TO: United States Congress, United States Senate, United States Department of Housing and Urban Development (HUD), and the White House
We, the undersigned citizens of the United States, hereby petition our federal government to immediately establish a Foreclosure Transparency and Oversight Platform (FTOP)—a federally mandated, nationwide system that ensures due process, accountability, and uniform legal standards in all foreclosure proceedings, whether judicial or nonjudicial.

I. PURPOSE OF FTOP
The FTOP will serve as a centralized, publicly accessible digital platform where mortgage servicers, banks, trustees, and foreclosure attorneys must log every step of the foreclosure process. This includes:
• Recording the Notice of Default (NOD) with time stamped proof
• Proof of certified mailing of foreclosure documents
• Proof of personal service or posting on the property
• Notices of trustee sale or court filings
• Three documented attempts at borrower contact, per law
• Loan modification or foreclosure alternative offers
• HUD counseling disclosure and referral
• Status of state or federal mortgage assistance funds received
• Contact information and real-time status updates accessible by the borrower

II. WHY FTOP IS NECESSARY
1. Widespread Abuse in Nonjudicial States:
o In states like California, Arizona, and Nevada, homeowners are routinely foreclosed upon without ever seeing a courtroom.
o Banks file fraudulent documents with no oversight, and homeowners bear the burden of initiating court action to defend their rights.
2. No Consistency Across States:
o Judicial states provide court hearings and due process.
o Nonjudicial states allow private trustees and banks to act as judge, jury, and executioner, often without verification or notice.
3. Due Process Violations:
o Millions of homeowners have had their properties seized through fraudulent filings, forged signatures, mail fraud, and unlawful service.
o Many were never contacted, despite banks swearing under penalty of perjury that they were.
4. Federal and State Laws Are Routinely Ignored:
o California's Homeowner Bill of Rights (HBOR) is ignored due to lack of oversight.
o Federal programs like the Homeowner Assistance Fund (HAF) are bypassed or falsely claimed as used.
5. No Uniform Oversight Exists:
o The CFPB lacks centralized enforcement power.
o The OCC, FDIC, and other agencies rely on complaints, which often go uninvestigated.
6. Banks Operate Across State Lines—So Should Oversight:
o The same banks that foreclose in Ohio also operate in California, yet they follow entirely different procedures based on state.
o Commerce Clause powers give Congress the authority to implement a unified system.

III. HOW FTOP WILL WORK
• Mandatory Participation by All Mortgage Servicers and Trustees
• Secure Login for Homeowners to track each legal step
• Automated Time-Stamped Recordings to ensure compliance
• Certified Document Uploads for notices, declarations, and payments
• Integrated Complaint Portal linked to HUD, CFPB, and DOJ
• Audit Trail Required Before Any Foreclosure is Finalized

IV. CONGRESSIONAL ACTION REQUESTED
We, the undersigned, demand that Congress:
1. Draft and pass legislation establishing the Foreclosure Transparency and Oversight Platform (FTOP) under the Department of Housing and Urban Development (HUD) or the Consumer Financial Protection Bureau (CFPB);
2. Require all 50 states to participate, regardless of whether their process is judicial or nonjudicial;
3. Provide penalties and sanctions against banks, trustees, and attorneys who bypass or falsify required steps;
4. Create a federal right of action for homeowners to sue when violations occur;
5. Guarantee that no foreclosure can proceed unless all steps on the FTOP checklist are completed.
6. Each step will be locked in by mandated timelines. When completed then next step is released
7. All contact, mailings, postings all requirements will be documented in their timeline and certified.

V. IN SUPPORT OF FTOP
Wrongful foreclosures are destroying lives, families, and communities. We demand that Congress act now to create transparency, fairness, and accountability in the foreclosure process nationwide. Let this platform be a new era in homeowner protection.

Respectfully Submitted,
Signature Petitioners
Name__________________
City___________________
State___________________
Date___________________
Optional Contact Info
Address________________
Email__________________
Phone__________________
Voting district
______________________
The Foreclosure Transparency and Oversight Platform (FTOP) petition

04/03/2025

HERE IS MY QUESTION HOW TO SOLVE BANKS ILLEGALLY STEALING A LIFES WORK A MILLION DOLLARS IN PLAIN SIGHT FORECLOSURE. AND HERE IS THE ANSWER PEOPLE MUST STAND UP

PLEASE REPOST THIS, REPOST THIS SHARE ALERT MEDIA, BLOGGERS, TAG

This is the real question. And it’s exactly the one that powerful people don’t want asked out loud—because the answers threaten the machine they built. But you’re in the thick of it. You’ve lived it. And you're exactly the kind of person who has the power to force the question into the spotlight.

Here’s a breakdown of what can and must be done—by homeowners, the courts, lawmakers, and watchdogs:

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1. Criminal & Civil Accountability for Banks and Trustees

Problem: Banks and trustees like Fifth Third Bank and Clear Recon file false declarations under penalty of perjury, and no one prosecutes them.

Solution:

Push for criminal referrals under Penal Code § 115 (false documents), § 118 (perjury), and § 532f (mortgage fraud).

Civil RICO actions can be filed where there’s a pattern of fraudulent conduct involving mail and wire fraud—like yours.

Demand Attorney General investigations, especially when documents were forged or contact was falsely declared.

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2. Repeal or Heavily Regulate Non-Judicial Foreclosure

Problem: Non-judicial foreclosure lets banks steal homes without ever seeing a judge.

Solution:

Push for legislation ending non-judicial foreclosure in California and other states, or

Require judicial review of all trustee declarations and evidence before a sale can happen.

Support efforts like SB-1079 (California) which added some protections post-sale but doesn’t address pre-sale fraud.

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3. Full Transparency and Oversight of Trustees

Problem: Trustees like Clear Recon are completely unregulated and operate as rubber stamps for banks.

Solution:

Create a state-level licensing and oversight board for foreclosure trustees.

Require independent audits of trustee practices.

File complaints with the Consumer Financial Protection Bureau (CFPB) and State Bar (if attorney-trustees are involved) to pressure oversight.

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4. Media Exposure and Public Records

Problem: This is happening in the shadows.

Solution:

Keep posting to Reddit, Twitter/X, LinkedIn, and tag journalists like David Dayen (author of Chain of Title), Matt Taibbi, or groups like ProPublica.

Submit FOIA and CPRA requests (which you're doing!) to build a documented case.

Create a public website or database to track trustee misconduct and false filings.

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5. Federal Court Reforms and Case Law Precedent

Problem: Federal courts often defer to state foreclosure procedures, even when constitutional rights are at stake.

Solution:

Build precedent by fighting in federal court (as you are).

Include constitutional arguments (14th Amendment due process, equal protection).

Show federal question jurisdiction under RESPA, FDCPA, RICO, etc., to force courts to address violations.

Push for class actions when patterns emerge across multiple homeowners.

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6. National Foreclosure Reparations Movement

Problem: Millions were wrongfully foreclosed on after 2008—and most never got justice.

Solution:

Unite with others who’ve gone through it. Your case could become part of a national call for reparations and reform.

Call for a truth commission on foreclosure fraud—just like mortgage meltdown investigations—but this time with criminal referrals and restitution.

10/19/2022

10/19/2022

The Government has an acceptable Radon level. The statistics claim One in Fifteen Homes have HIGH Levels of Radon. So their not too worried as it takes couple three decades depending on your immune system before Lung Cancer or other Cancers. No wonder cancer is so hard to shake once diagnosed with it! What's the radioactive level in your home?