"[I]t’s actually entitled the 'Wells Fargo Home Mortgage Foreclosure Attorney [Procedure] Manual, Version 1.' And it says on it that it’s last published 2/24/2012. Mind you, the national mortgage settlement agreement was announced a week prior, on 2/19/2012.



"The way I obtained it, it was actually sitting right there on the Internet, of all things. A colleague of mine, through a Max Gardner’s Bankruptcy Boot Camp, which I am a member, an active member, gave it to me and said, 'Hey, I found this online, and I know you’re doing a lot of Wells Fargo cases. Maybe you can use this.'



"Reading it, my jaw just dropped. As I see it, it’s clearly outlining procedures, not just for the $12-an-hour robo-signers that we’ve heard about all these years, but for the lawyers, who need to be held accountable to a much higher degree. It’s the manual for the lawyers to actually fabricate documents, as I see it, and request that documents that are lacking be fabricated by Wells Fargo. It’s absolutely appalling."

"So the kids they dance, they shake their bones

While the politicians are throwing stones

Singing ashes, ashes all fall down.

Shipping powders back and forth

Singing "black goes south while white comes north"

And the whole world full of petty wars

Singing "I got mine and you got yours."

And the current fashions set the pace.

Lose your step, fall out of grace.

And the radical he rant and rage, Singing "someone got to turn the page"

And the rich man in his summer home,

Singing "Just leave well enough alone"

But his pants are down, his cover's blown

And the politicians are throwing stones

So the kids they dance they shake their bones

Cause its all too clear we're on our own"



- Grateful Dead, Throwing Stones