Former DocX President Sentenced to Prison for Mortgage Fraud; FRAUD STOPPERS Mortgage Audits Offer Consumer Protection

Former DocX president, Lorraine Brown, has been sentenced to 40 months to 20 years in prison for her involvement in authorizing the fraudulent signing of mortgage documents in Michigan. This announcement was made by Michigan Attorney General Bill Schuette, who had launched an investigation into questionable mortgage documentation filed during the foreclosure crisis. Brown pleaded guilty to the charge of Conducting Criminal Enterprises (Racketeering) on February 11, and her conviction followed the Attorney General’s probe into the suspicious mortgage documents.

The investigation began in April 2011 when county officials across the state of Michigan reported suspicions of forged Assignment of Mortgage documents filed in their offices. The issue gained national attention when a “60 Minutes” news broadcast highlighted the signing of thousands of mortgage-related documents with the name “Linda Green,” signed in various handwriting styles. Michigan county officials discovered similar documents in their files, raising doubts about their authenticity.

As part of the investigation, Schuette examined documents prepared by DocX, a document processing company based in Georgia. DocX was responsible for processing mortgage assignments and lien releases for residential lenders and servicers across the country. The Attorney General’s investigation revealed that Lorraine Brown, the former president of DocX, orchestrated a widespread scheme of robo-signing. This practice involved employees fraudulently signing another person’s name on mortgage documents to expedite their execution.

DocX internally referred to this practice as facsimile signing or surrogate signing. Between 2006 and 2009, Brown directed the creation and recording of improperly executed documents. Over 1,000 unauthorized and improperly executed documents were filed with county registers of deeds throughout Michigan. As a result of the investigation, Brown was charged with Racketeering, a felony that carries a potential 20-year sentence, in November 2012.

In addition to prosecuting individuals involved in fraudulent mortgage practices, Attorney General Schuette took part in a settlement with the five leading bank mortgage servicers in 2012. This settlement aimed to address allegations of faulty foreclosure processes and poor servicing of mortgages, which had negatively impacted homeowners in Michigan. The agreement also required comprehensive reforms in mortgage loan servicing to enhance customer service for borrowers in the state.

In light of the challenges faced by consumers during the foreclosure crisis and the prevalence of fraudulent mortgage practices, organizations like FRAUD STOPPERS mortgage audits have emerged to help homeowners protect their rights and avoid falling victim to such scams. FRAUD STOPPERS provides specialized mortgage audit services that examine loan documents for potential fraud, errors, or violations. By conducting thorough audits, they help homeowners identify any irregularities in their mortgage documents and take appropriate legal action to defend their interests.

FRAUD STOPPERS mortgage audits can play a crucial role in safeguarding consumers against fraudulent mortgage practices. These audits empower homeowners with knowledge about their mortgage contracts, enabling them to challenge any fraudulent or erroneous documents. By partnering with experienced professionals, homeowners can gather the necessary evidence to support their claims and seek legal remedies to address fraudulent activities.

In conclusion, the sentencing of Lorraine Brown, the former president of DocX, to up to 20 years in prison highlights the serious consequences of fraudulent mortgage practices. The investigation conducted by Michigan Attorney General Bill Schuette shed light on the widespread scheme of robo-signing orchestrated by Brown and the filing of unauthorized and improperly executed documents. It is essential for homeowners to be vigilant and seek assistance from reputable organizations like FRAUD STOPPERS mortgage audits to protect their rights and avoid falling victim to similar fraudulent schemes.

DocX president sentenced to up to 20 years in prison

The Blotter Tuesday, May 07, 2013

Michigan Attorney General Bill Schuette announced Lorraine Brown, former president of mortgage document processor DocX, was sentenced to 40 months to 20 years in prison on one count of Conducting Criminal Enterprises (Racketeering) for her role in authorizing the fraudulent signing of mortgage documents filed in Michigan.

Brown was sentenced on May 2, by Kent County’s 17th Circuit Court Judge Mark Trusock. Following the sentencing, Brown was remanded to the custody of the Michigan Department of Corrections to begin serving her sentence. Brown pleaded guilty to the racketeering charge on Feb. 11. Brown’s conviction followed an Attorney General investigation into questionable mortgage documentation filed with Michigan’s Register of Deeds offices during the foreclosure crisis.

In April 2011, Schuette launched an investigation after county officials across the state reported that they suspected Assignment of Mortgage documents filed in their offices may have been forged. A “60 Minutes” news broadcast, (The Next Housing Shock) had shown that the name “Linda Green” was signed to thousands of mortgage-related documents nationwide, but with many different variations in handwriting. County officials in Michigan reviewed their files and found similar documents, thus raising questions about the authenticity of the documents filed.

As part of his investigation, Schuette reviewed documents filed in Michigan and prepared by DocX, a document processing company located in Georgia. DocX processed mortgage assignments and lien releases for residential lenders and servicers nationwide. Schuette’s investigation revealed that former DocX president Lorraine Brown, 51, of Alpharetta, Georgia, established and orchestrated a widespread scheme of robo-signing, a practice in which employees were directed to fraudulently sign another authorized person’s name on mortgage documents in order to execute these documents as quickly as possible.

Internally, DocX identified this practice as facsimile signing or surrogate signing. From 2006 through 2009, these improperly executed documents were created and recorded at Brown’s direction. Schuette’s investigation revealed that more than 1,000 unauthorized and improperly executed documents were filed with county registers of deeds throughout Michigan. Schuette charged Brown with Racketeering, a 20-year felony, in Kent County’s 61st District Court in November 2012.

In 2012, Schuette joined 48 other state attorneys general in entering into a settlement with the five leading bank mortgage servicers. The settlement addressed allegations of faulty foreclosure processes and poor servicing of mortgages that harmed Michigan homeowners. The settlement also required comprehensive reforms of mortgage loan servicing to improve customer service for Michigan borrowers.

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