What Happens When a Billionaire Bank Decides to Destroy You
They lied in court, inflated our debt, ruined our lives — and now the U.S. Marshals are coming to throw us out of our home.
Part 1: The Lie That Opened the Floodgates
After the bank took our first house, they claimed in court that we did not have a deed of trust. That allowed them to push through a non-judicial foreclosure. But after they had taken the property, they reversed their story. Suddenly, they claimed we did have a deed of trust — so they could demand $485,000 in attorney’s fees under that same deed.
They told two completely opposite stories in different courts, depending on what benefited them — and no one stopped them.
This false claim allowed them to place multiple liens on our second house, even though it was legally owned by an LLC and had no legal connection to the personal loan. To justify this, they falsely accused us of committing a fraudulent transfer to hide assets. But the property was vested in the LLC long before, and we had even offered it as collateral in good faith to resolve the first loan.
On top of that, they pretended to have six judgments instead of five, inflating the amount owed by $50,475. They submitted these false numbers to the court — and no one questioned them.
Part 2: Bankruptcy Was Supposed to Protect Us — But It Became the Trap
We filed for Chapter 11 bankruptcy to defend ourselves against the false attorney’s fees. Our attorney assured us that the bankruptcy court would eliminate invalid or unlawful debt. He said we might only pay $300,000 to resolve everything.
At first, the court seemed to agree. When the bank filed a motion to lift the automatic stay so they could add more debt, the court denied their motion. But they ignored the ruling and simply added more debt anyway. They wrote it into their plan without permission — a direct violation of court orders.
Then, our own attorney told us to offer money to the bank or we would lose our second house. He claimed the bank had the right to raise the debt up to the value of the property. We believed him — and we offered $550,000, which was more than the original $485,000 they had claimed.
The bank refused. They demanded $750,000, claiming we owed $900,000 — all based on inflated and unlawful numbers.
That’s how they forced our Chapter 11 case into Chapter 7, where everything you own can be liquidated. That’s how we lost control of our future.
Part 3: The Trustee Who Sold the Truth for a Price
The Chapter 7 trustee was supposed to be neutral. Instead, he accepted the bank’s false claims without question.
He told the court that “limited relief” had been granted to the bank to add more debt. That was a lie. The court had denied the bank’s motion to add more debt. But the trustee falsely claimed otherwise.
Why? Because the bank promised to pay him $175,000 in a carve-out deal if he agreed to sell our home. Later, he came back asking for another $100,000, blaming us for continuing to fight.
He ignored the court’s denial. He ignored the inflated debt. He ignored our objections and the false proof of claim. He sold the truth — for a price.
Part 4: Two Weeks Left — And No One Is Listening
Now we’ve received a final notice: the U.S. Marshals are scheduled to remove us from our home. We have two weeks left.
But this house isn’t just ours — it’s home to several disabled individuals who rely on us for care and stability. The court never considered their needs. The trustee ignored them entirely.
We tried to pay. We followed the law. But the bank got the house. The trustee got paid. And we — the people who told the truth — are the ones being punished.
We didn’t lose because we did something wrong. We lost because we believed the system would protect us.
Part 5: How It All Really Started
We bought our first home from a builder. The home was unfinished, so we assumed the builder’s loan. The bank promised that after we completed the construction, we would receive a 30-year mortgage. We finished the home. We never missed a payment. Our credit was excellent. We had money in the bank.
Then the bank was taken over by the FDIC, and our loan was transferred to a new bank. We called to request the long-term loan we were promised. The new bank instead offered a loan modification, saying they might lower the monthly payment or the principal.
But they said we had to miss three payments to qualify. We didn’t know it was a trap. After three months, we applied — and they denied the modification.
Then we found out they had already reported our loan as defaulted, ruining our credit. We couldn’t refinance anywhere else. Every lender said we had only one option: go back to the bank that set us up. They rejected us again.
We finally found a private investor who was willing to help — but each time we got close, the bank raised the amount we supposedly owed. In the end, they had inflated the debt by $700,000. We accepted their demand, just to save the house. Then they foreclosed on us anyway.
If This Can Happen to Us, It Can Happen to Anyone
We share this story not for pity, but because we believe the public needs to know the truth.
This isn’t just about one family. This is about a billionaire bank, a trustee blinded by money, and a system that ignored the law to protect the powerful.
If you believe in justice, please help us be heard. Don’t let this happen in silence.
About the Author
We are a family who came to America with hope. We built our lives through hard work and dedication. We opened our home to disabled individuals in need of care and stability. We told the truth. And we lost everything.