WIN, WIN, WIN for the straw buyer and more of the same for Detective Baluja...

Well, well, well, looks like the straw buyer is having some affect! It appears after keeping tabs on our little website, Detective Jorge Baluja decided NOT TO ATTEND A DEPOSITION FOR THE MORTGAGE FRAUD CASE LAST WEEK! The rumor mill is abuzz with different theories as to why he REFUSED to show up for his deposition, but the prevailing thought is that this website had A LOT TO DO WITH IT!


I mean after all, whats there to be scared of Jorge? We only know whats available through an online search of public records, is there something hiding in the court files that we don't know about? More misconduct on your part? More dirt on how you ran a half assed investigation? More gross negligence in the way you handled the case? Come one Jorge, you let the bad guys get away, you were oh so close to solving a real crime but instead you decided to take the path of least resistance and made a nonsensical arrest. If its out there Jorge, rest assured were going to find it, if there's more evidence of you screwing up this case we'll post it. If you don't know about it, then have someone read you the contents of this site so you'll be well aware of whats coming. After all Detective Baluja, like you guys in law enforcement like saying...

"the train has left the station"

Lets make sure we all the bases covered.

"the ship has left port..."

"the plane has left the gate..."

We're expecting a rough ride Jorge, so sit down and fasten your seat belt, there's no coming back from where we're going.

Well! Now you have to ask yourself the million dollar question, after the evidence that we've uncovered from public records available online, why has the MDPD and the State Attorneys Office refused to go after Bernardo Barrera, the man who claimed his identity was stolen therefore creating the mess that this blog is about? Consider for a moment that we here at the Straw Buyer don't have access to Mr. Barrera's credit history, bank records, etc. Imagine what we could find that would further implicate Mr. Barrera in this case or even the previous identity theft case if we had access to these records? Everything we've gathered to date has been the result of spending less than 30 minutes online examining public records that are available to EVERYONE! Ironically, Detective Baluja had the power to obtain any and all records pertaining to Bernardo Barrera, did he ever subpoena these records? Who knows.

Long before all this mortgage fraud noise became the flavor of the day for law enforcement, nearly ten years ago a Detective told me the following:

"when I know you're up to no good and I can't prove it, my first step is to pull up your mortgage."

What he meant by that was that there was virtually no one that he had ever run across that didn't in some way shape or form make some sort of misstatement on their mortgage application, by finding that little fib he then had you by the balls since by the letter of the law any misstatement or misrepresentation in obtaining a mortgage is MORTGAGE FRAUD! Lets take a closer look at the statute:

817.545 Mortgage fraud.--

(2) A person commits the offense of mortgage fraud if, with the intent to defraud, the person knowingly:

(a) Makes any material misstatement, misrepresentation, or omission during the mortgage lending process with the intention that the misstatement, misrepresentation, or omission will be relied on by a mortgage lender, borrower, or any other person or entity involved in the mortgage lending process; however, omissions on a loan application regarding employment, income, or assets for a loan which does not require this information are not considered a material omission for purposes of this subsection.

(b) Uses or facilitates the use of any material misstatement, misrepresentation, or omission during the mortgage lending process with the intention that the material misstatement, misrepresentation, or omission will be relied on by a mortgage lender, borrower, or any other person or entity involved in the mortgage lending process; however, omissions on a loan application regarding employment, income, or assets for a loan which does not require this information are not considered a material omission for purposes of this subsection.

WELL SLAP MY ASS AND CALL ME CHARLIE! Remember a few weeks back where we proved conclusively that Bernardo Barrera committed mortgage fraud in obtaining the mortgage for his primary residence?! The Straw Buyer proved that when Mr. Barrera did the closing on his home not only was he unemployed but he went on to state under the penalty of breaking the law that he was indeed employed! We now know that not only is Detective Baluja reading this blog but so are a number of other members of the MDPD. Lets assume that Detective Baluja didn't do his homework and indeed missed the fact that the states "VICTIM" had committed mortgage fraud in the past, what about all the other members of the MDPD and the State Attorneys Office that now know about the case? We've produced enough irrefutable CONCRETE EVIDENCE that shows Bernardo Barrera had committed mortgage fraud in the past and NO ACTION?! Why? After all by the letter of the law we have the states "victim" committing the very act they accused the defendants in this case of, MORTGAGE FRAUD! There's no action because by admitting that their "victim" is dirty, the credibility of their entire case goes out the window, the entire house of cards comes down.

Enough of this serious stuff, lets take a look at another accident and see what the good Detective thinks.


NO JORGE, YOU'RE NOT SUPPOSED TO GIVE THE TELEPHONE A TICKET FOR CAUSING THE ACCIDENT!