MAN HAVING MASSIVE MORTGAGE FRAUD SCHEME AMID BANKRUPTCY BATTLE, JUDGES IGNORE HIS PLEAS
By #EricMesi
#AXJMO News Desk
October 7, 2025 – Kansas City, MO
Abigail E. Williams, Missouri Bar: ID Number: 72695, Financial Services Litigation Lawyer from the corrupt Law Firm Polsinelli, continues to try to evict Larry Eugene Mael II.
Eric Mesi, with years of real estate experience, is beside himself with this case and its extreme fraud scheme. Trying to get judges to act upon this fraud is like pulling teeth. This case includes mail and wire fraud and Rico-orchestrated fraud.
In a dramatic saga blending allegations of corporate fraud, judicial oversight failures, and personal tragedy, Parkville resident Larry Eugene Mael II is fighting to save his home from what he describes as a predatory foreclosure orchestrated by unlicensed lenders. Mael, 56, filed a sweeping federal complaint this week in the U.S. District Court for the Western District of Missouri, accusing Trim Financial Services, Inc., and a web of associated entities and individuals of racketeering, fraud, and violations of consumer protection laws. The case stems from a disputed $335,000 loan on his residential property at 6807 Cedar Bend, where Mael’s process service was forged and illegally serviced, leading to a wrongful eviction and sale.
Mael’s ordeal escalated amid his Chapter 13 bankruptcy filing (Case No. 25-50156-can13) (Trim Financial violated 11 U.S.C. § 362 of the United States Bankruptcy Code, which creates an “automatic stay” prohibiting most collection actions against the debtor or their property), where he alleges U.S. Bankruptcy Judge Cynthia A. Norton has refused to address key evidence of fraud, including Trim’s lack of licensing for residential mortgages. “The judges aren’t listening,” Mael told local advocates in a statement shared with this outlet. “I’ve presented proof of forgery, unlicensed lending, and violations of the automatic stay, but it’s like shouting into the void.” A parallel state eviction case in Platte County Circuit Court (No. 25AE-ACO2096) has further complicated matters, with Mael filing a motion to dismiss, citing the same issues.
Trim’s Alleged Sale of Mael’s Home During Bankruptcy
In a stunning claim at the core of Larry Eugene Mael II’s federal complaint, Trim Financial Services, Inc., is accused of illegally selling his primary residence at 6807 Cedar Bend, Parkville, Missouri, while his Chapter 13 bankruptcy case (No. 25-50156-can13) was active, in direct violation of the automatic stay mandated by 11 U.S.C. § 362.
Mael alleges that Trim, an unlicensed lender for residential mortgages in Missouri, orchestrated the sale through forged documents and without legal authority, exploiting his bankruptcy filing to bypass protections designed to halt collection actions. “They sold my home right under the bankruptcy court’s nose,” Mael stated in his verified complaint, filed October 2025 in the U.S. District Court for the Western District of Missouri.
He asserts that the sale, tied to a disputed $335,000 loan to the defunct Rose Distributing LLC, was executed with the complicity of attorney Abigail E. Williams and Polsinelli law firm, who continued eviction proceedings in Platte County Circuit Court (No. 25AE-ACO2096) despite the stay. Mael’s advocate, Eric Mesi, calls it a “brazen fraud,” pointing to Trim’s lack of a Missouri residential mortgage license and Chicago Title’s refusal to provide a title report as evidence of a coordinated scheme to conceal the illicit transaction.
A Heart Attack Amid the Chaos, adding a layer of human tragedy, Mael suffered a severe heart attack around September 25, 2025, which he attributes to the stress of the ongoing legal battles. According to court filings assisted by his ADA advocate, Eric Thomas Mesi, Mael was clinically pronounced dead before being revived by medical teams using defibrillation. “This fraud didn’t just steal my home—it nearly killed me,” Mael stated in his verified complaint. He invokes the Americans with Disabilities Act (ADA) for accommodations; the bankruptcy court’s disregard for his disabilities has prejudiced his case under the Judicial Conduct and Disability Act.
Mael’s health crisis has become a focal point in his filings, with claims that the defendants’ actions— including harassment and eviction proceedings—exacerbated his condition. “The relentless pressure from these illegal proceedings caused Plaintiff to suffer another heart attack, requiring hospitalization,” reads one section of the district court complaint.
The Alleged Fraud: Unlicensed Lending and a “Zombie Mortgage”. At the heart of Mael’s illegal eviction claims by Trim Financial Services, a California-based commercial lender. Public records from the Nationwide Multistate Licensing System (NMLS) confirm Trim holds no residential mortgage licenses in Missouri, as required under state statutes (Mo. Rev. Stat. §§ 443.701–443.893). Trim’s website describes itself as a brokerage focused on commercial properties, stating it is “not a direct lender” and operates without government affiliation. Yet, Mael alleges Trim originated a loan in December 2023 to the now-revoked Rose Distributing LLC, secured against his primary residence—a non-commercial, single-family home.
“This is a classic zombie mortgage,” Mesi, Mael’s advocate with 40 years in real estate, explained in an affidavit. “It resurfaced with inflated fees after being dormant, tied to forged documents and a defunct entity.” The complaint lists over 20 causes of action, including violations of the Racketeer Influenced and Corrupt Organizations Act (RICO), Fair Debt Collection Practices Act (FDCPA), Truth in Lending Act (TILA), and Real Estate Settlement Procedures Act (RESPA). Defendants include Trim’s CEO Chase Simmons, attorney Abigail Elizabeth Williams, Polsinelli law firm, Chicago Title, and others accused of facilitating the scheme through mail and wire fraud.
Mael denies signing any loan documents and points to Chicago Title’s refusal to provide a title report without a subpoena as evidence of concealment. “If the mortgage were legal, they wouldn’t hide behind legal maneuvers,” the filing argues. Missouri Division of Finance officials, including Supervisor Joe Crider and Senior Examiner Jennifer Zagorac, are cited as witnesses confirming Trim’s unlicensed status, with an ongoing investigation.
Bankruptcy and Eviction Battles: Judges Under Scrutiny Mael’s April 2025 bankruptcy filing triggered an automatic stay under 11 U.S.C. § 362, intended to halt collections. However, he alleges defendants, including Abigail E. Williams on behalf of Polsinelli and Trim Financial, violated this automatic stay by continuing to pursue eviction in Platte County, leading to a writ of execution and his removal from the property despite the statutory prohibition on such actions during bankruptcy. In an adversary proceeding (No. 25-05005-can), Mael seeks to void the foreclosure and demands a jury trial, accusing the U.S. Trustee of failing to validate the debt. Critics of the case point to Judge Norton’s handling, with Mael’s disabilities being ignored as evidence of fraud and his disabilities. “The Bankruptcy Court ignored Plaintiff’s disabilities and the loan’s invalidity,” the district complaint states, seeking referral for judicial misconduct. In the state court, Mael’s motion to dismiss accuses Williams of ethical violations and fraud on the court, requesting sanctions and referral to the Missouri Office of Chief Disciplinary Counsel. PACER records confirm the bankruptcy case’s existence, with filings dating back to June 2025, including discussions in legal seminars about its implications for bankruptcy rules. However, no public rulings on the core fraud claims have emerged as of this date, fueling Mael’s frustration. Broader Implications and Defendant Responses.
This case highlights growing concerns over “zombie mortgages” and unlicensed lending, echoing national issues like the CFPB’s 2023 fine against Trim’s affiliate, OneMain Financial, for deceptive practices. Mael seeks $335,000 in compensatory damages (the property’s value), $10 million for pain and suffering, treble damages under RICO, and a $2 million award for home replacement. Trim Financial and other defendants have not publicly responded to inquiries, but court documents show no proof of claim filed with the required evidence, like payment history or chain of title. Chicago Title’s Brad Farris is accused of stonewalling document requests, further stoking allegations of a coordinated cover-up.
As Mael recovers from his heart attack, he vows to press on. “This isn’t just about my home—it’s about exposing a system that lets corporations prey on vulnerable people while judges look the other way,” he said. The case could set precedents on fraud exceptions to doctrines like Rooker-Feldman and the enforceability of unlicensed loans. Hearings in both federal and state courts are pending. For updates, follow developments on PACER or local dockets. This story is based on public filings and statements; all parties are presumed innocent until proven otherwise.