The Checkout

Help Me Help You Continued

Some of you have been posting in the comments on the previous "Help Me Help You" entry. Definitely keep them coming. And if you have stories to share and tips to pass along, please e-mail them to me at thecheckout@washpost.com.

Also, here's an interesting story for the day:

Retailers' Receipts Promote Feedback, Give Discounts (Arizona Republic)

By Stacey Garfinkle |  January 23, 2006; 2:30 PM ET Help Me Help You
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Posted by: Anonymous | January 23, 2006 3:27 PM

Can anyone save our home from foreclosure
Grover Williams 720-422-5921
MAKING OF A PREDATORY LOAN
1. In 1998 the Debtor worked for Quicksilver, a position requiring the use of a personal vehicle . In 1999 Debtors van was totaled in an accident. Quicksilver informed Debtor that he would need to purchased a late model van to continue employment. Debtors went to Rockys Auto and financed a 1998 Ford Windstar for $15,000. Things went well for ten months, then the transmission of the van failed. Debtors soon learned that the transmission would cost between $2000 and $3500 to replace, but could only be guaranteed for 3000 to 5000 miles, because the vehicle frame had been compromised in an accident prior to Debtor purchased. Debtor continued to make payments on the van as it sat non-functional in their driveway for a year. Rockys auto refused to fix the van or take it back and Bank One demanded that the Debtors continue making payments
2. The non- functioning van became a financial burden to the Debtor homestead , consequently Debtors had to stop making payments. Debtors offered to send their van to Bank One or Rockys but they refused
3.Bank One began a hostile collection campaign against the Debtors.
4.In January of 2002 a Bank One representative calls the Debtors demanding payment in full of $15,000 with in 30 days . Bank One stated that if payment was not received with in 30 days they would sue Debtors for treble damages of $45,000 and force Debtor to lose homestead. Debtors contacted legal services who convinced Debtors that Bank One could indeed cause Debtor to lose home. Debtor began to seek to borrow money to pay off van and avoid loss of home.
5.During this period Debtors were receiving daily phone calls often with harsh abusive language, demanding payment in full. Bank One repeatedly admonished Debtors that they would lose their home if $15,000 was not paid in 30 days.
6.Debtors contacted M&M Mortgage and after two weeks of office visits and phone calls, M&M Mortgage determined that the Debtors did not come close to meeting the minimal standards for refinance. M&M Mortgage determined that the Debtor income was less than 50% of what was required that Debtor appraisal was $50,000 lower than what was required and that Debtor FICO was 100 points below what any of their 57 b, c and d paper lenders could underwrite.
7. In March of 2002 Debtors contacted H&R Block about refinancing. After one week of deliberation, H&R Block informed Debtors that no ethical lender could refinance Debtor homestead because of low appraisal, low credit score and low income. Duress began to reign in the Williams household. Debtors were unable to conceal their despair from their children, dog, friends and family. The affects of despair began to manifest themselves in every aspect of life.
8. Debtors contacted Bank One and informed them that they were unable to refinance. The Bank One representative asked the Debtors if they understood the grave nature of their predicament. The Bank One representative went into a matter of fact style exclamation of how the Debtor would be homeless by May of 2002, out on the streets owing $45,000.
9. Debtors replied that they must keep their home, that they acquired their home the hard way and that they had no reasonable alternatives for shelter. The Bank One represntative stated that he would have someone call the Debtors the following day and hung up abruptly .
10. Here comes Ameriquest in mid March, Debtors were contacted by a representative of Ameriquest Mortage.
11. The Ameriquest representative asked questions about our income, credit and our home value. The Ameriquest representative said he would have an appraiser come around the followng day.
12. The Ameriquest appraiser came over, took pictures of the house inside and out, asked if we owned any other properties and was gone in than less than ten minutes.
13. Debtor was contacted by the Ameriquest representative the following day. The Ameriquest representative stated that they had appraised our house at $166,000. Which was $47,000 more than the largest previous appraisal. The Ameriquest representative stated that Ameriquest would be able to refinance our home, and a set a closing for April 2, 2002.
14. Debtors entered Ameriquest offices in Downtown Denver and presented the Ameriquest loan officer with income tax returns and payment statements from taxicab revenues. Debtors were asked to signed numerous papers but declined. Debtors asked to see in writing what the payments on the new loan would be and the terms thereof. Ameriquest representative began to talk about how Debtors would most likely lose their home if this loan was not closed.
15. The Ameriquest loan officer advised the Debtors about how greatful they should be that Ameriquest would be funding their loan and saving their house. When the Debtor saw the new loan payment would be $1100 a month they informed the Ameriquest loan officer that they could not afford such a payment. The Ameriquest representative turned red in the face and exclaimed "You are a cab driver. You are just starting out. I have family in the cab business. Stick with it you will make $50,000 before the year ends."
The Debtors asked the Ameriquest loan officer what would happen if we didn't make $50,000 that year. The Ameriquest representative stated that he did not want the Debtors to lose their home that the Debtor has chosen a very lucrative field of employment and that no other lender had offered to help the Debtors.
16. At this point, the level of duress upon the Debtor family was surreal.
17. Bank One had subjected Debtors to of months of harsh collection efforts. Debtors had gone through months of efforts to refinance only to meet with logical rejection. Through clever rhetoric and claims of vocational expertise in the taxi field, the Ameriquest representative convinced the Debtors before this Honorable Court to continue signing papers. The Ameriquest representative informed Debtors that they would need an income of $47,000 a year to fund the loan
18. The Ameriquest loan officer handed a piece of blank paper to each of the Debtors and instructed Debtor One (Grover Williams) to write: "I Grover Williams Handyman Service will earn $47,000 this year."
Debtor Two (Sheila Williams) was instructed to write: "My babysitting service will make $800 a month this year."
19. Debtors looked at each other in bewilderment and asked in unison why the false statements were necessary. The Ameriquest representative stated that he was an expert in his field and did not appreciate Debtor distrust.
20. The Ameriquest representative made a phone call to Bank One and said that it was done.
21. The Ameriquest representative then informed the Debtors that the van had been paid off and handed the Debtors a check for $11,000. Because of the $11,000 the Debtors were able to make payments despite continued deminishing returns from the taxi venture.
22. Once the $11,000 was exhausted, Debtors began to fall hopelessly behind in mortgage payments.
23. Debtors, despite pulling themselves up by the boot straps and increasing their income three and fourfold from $700 a month to $2500 to $3200 a month Debtors are still hopelessly caught in the predators web.
24. After several months of deliquency Debtors emailed the Office of the President of Ameriquest a summary of the Ameriquest closing. Debtors were than contacted by Ms P. Chastine of the Ameriquest Office of the President, who explained that we have been dealing with an over zealous loan officer. P. Chastine appointed Shane Stangner, loan resolution specialist of Ameriquest, to modify the Ameriquest loan #35769454. Shane Stangner sent us a loan modification that required a payment of $914 per month.
25. The loan modifiction reduced the loan payment by $200 and included $200,000 balloon.
26. Debtors refused to sign because the of payment being to high and the balloon ridiculous. Shane Stagner then told Debtors that the $200,000 balloon was a typo and he could not reduce the payment any further. The Ameriquest loan specialist Shane Stangner informed the Debtors that he would be willing to reduce the balloon from $200,000 to $23,000 and would overnight a new modification to be signed the next day.
27. Debtors signed in duress, the modification which included an agreement not to ever sue Ameriquest. Despite modification of loan, Debtors continue to struggle to meet predation.
28. Every agreement, contract or stipulation that the Debtors have signed directly related to the unconscionable duress inflicted upon the Debtors by Ameriquest.
29. Debtors pray that this Court will find the relationship between Creditor and Debtor in this case to be unconscionable with clear elements of duress.


1. Here comes Debtors bearing readily verifiable claims that Wilshire (Creditor) has full knowledge of the unconscionable manner upon which the loan they purchased from Ameriquest was constructed.
2. Here comes the Debtors before this Honorable Court proclaiming that Ameriquest has been investigated by the Attorney General, the FBI and other federal government agencies.
3. Here comes the Debtors before this court offering evidence Exhibit B the Ameriquest has entered into a settlement of $325 million dollars to compensate alleged of predatory lending.
4. Here comes the Debtor before this Honorable Court seeking Court findings of Lender Liability and set off.
5. The Attorney General has advised Ameriquest victims that it could be well into the year 2007 before Ameriquest victims receive compensation. Debtors herein pray this Honorable Court will continue automatic stay until Set Off, equitable subordination and or lender liability related issues are found.
6. Here comes the Debtors damaged, harmed, precariously balanced between justice and tragedy.
7. Debtors have sought legal counsel willing to explore the issues at hand to no avail until today.
8. Debtors have located an astute and able esquire and will be able to hire such counsel on June 16th.

Posted by: grover williams | June 19, 2006 11:22 AM

Can anyone save our home from foreclosure
Grover Williams 720-422-5921
MAKING OF A PREDATORY LOAN
1. In 1998 the Debtor worked for Quicksilver, a position requiring the use of a personal vehicle . In 1999 Debtors van was totaled in an accident. Quicksilver informed Debtor that he would need to purchased a late model van to continue employment. Debtors went to Rockys Auto and financed a 1998 Ford Windstar for $15,000. Things went well for ten months, then the transmission of the van failed. Debtors soon learned that the transmission would cost between $2000 and $3500 to replace, but could only be guaranteed for 3000 to 5000 miles, because the vehicle frame had been compromised in an accident prior to Debtor purchased. Debtor continued to make payments on the van as it sat non-functional in their driveway for a year. Rockys auto refused to fix the van or take it back and Bank One demanded that the Debtors continue making payments
2. The non- functioning van became a financial burden to the Debtor homestead , consequently Debtors had to stop making payments. Debtors offered to send their van to Bank One or Rockys but they refused
3.Bank One began a hostile collection campaign against the Debtors.
4.In January of 2002 a Bank One representative calls the Debtors demanding payment in full of $15,000 with in 30 days . Bank One stated that if payment was not received with in 30 days they would sue Debtors for treble damages of $45,000 and force Debtor to lose homestead. Debtors contacted legal services who convinced Debtors that Bank One could indeed cause Debtor to lose home. Debtor began to seek to borrow money to pay off van and avoid loss of home.
5.During this period Debtors were receiving daily phone calls often with harsh abusive language, demanding payment in full. Bank One repeatedly admonished Debtors that they would lose their home if $15,000 was not paid in 30 days.
6.Debtors contacted M&M Mortgage and after two weeks of office visits and phone calls, M&M Mortgage determined that the Debtors did not come close to meeting the minimal standards for refinance. M&M Mortgage determined that the Debtor income was less than 50% of what was required that Debtor appraisal was $50,000 lower than what was required and that Debtor FICO was 100 points below what any of their 57 b, c and d paper lenders could underwrite.
7. In March of 2002 Debtors contacted H&R Block about refinancing. After one week of deliberation, H&R Block informed Debtors that no ethical lender could refinance Debtor homestead because of low appraisal, low credit score and low income. Duress began to reign in the Williams household. Debtors were unable to conceal their despair from their children, dog, friends and family. The affects of despair began to manifest themselves in every aspect of life.
8. Debtors contacted Bank One and informed them that they were unable to refinance. The Bank One representative asked the Debtors if they understood the grave nature of their predicament. The Bank One representative went into a matter of fact style exclamation of how the Debtor would be homeless by May of 2002, out on the streets owing $45,000.
9. Debtors replied that they must keep their home, that they acquired their home the hard way and that they had no reasonable alternatives for shelter. The Bank One represntative stated that he would have someone call the Debtors the following day and hung up abruptly .
10. Here comes Ameriquest in mid March, Debtors were contacted by a representative of Ameriquest Mortage.
11. The Ameriquest representative asked questions about our income, credit and our home value. The Ameriquest representative said he would have an appraiser come around the followng day.
12. The Ameriquest appraiser came over, took pictures of the house inside and out, asked if we owned any other properties and was gone in than less than ten minutes.
13. Debtor was contacted by the Ameriquest representative the following day. The Ameriquest representative stated that they had appraised our house at $166,000. Which was $47,000 more than the largest previous appraisal. The Ameriquest representative stated that Ameriquest would be able to refinance our home, and a set a closing for April 2, 2002.
14. Debtors entered Ameriquest offices in Downtown Denver and presented the Ameriquest loan officer with income tax returns and payment statements from taxicab revenues. Debtors were asked to signed numerous papers but declined. Debtors asked to see in writing what the payments on the new loan would be and the terms thereof. Ameriquest representative began to talk about how Debtors would most likely lose their home if this loan was not closed.
15. The Ameriquest loan officer advised the Debtors about how greatful they should be that Ameriquest would be funding their loan and saving their house. When the Debtor saw the new loan payment would be $1100 a month they informed the Ameriquest loan officer that they could not afford such a payment. The Ameriquest representative turned red in the face and exclaimed "You are a cab driver. You are just starting out. I have family in the cab business. Stick with it you will make $50,000 before the year ends."
The Debtors asked the Ameriquest loan officer what would happen if we didn't make $50,000 that year. The Ameriquest representative stated that he did not want the Debtors to lose their home that the Debtor has chosen a very lucrative field of employment and that no other lender had offered to help the Debtors.
16. At this point, the level of duress upon the Debtor family was surreal.
17. Bank One had subjected Debtors to of months of harsh collection efforts. Debtors had gone through months of efforts to refinance only to meet with logical rejection. Through clever rhetoric and claims of vocational expertise in the taxi field, the Ameriquest representative convinced the Debtors before this Honorable Court to continue signing papers. The Ameriquest representative informed Debtors that they would need an income of $47,000 a year to fund the loan
18. The Ameriquest loan officer handed a piece of blank paper to each of the Debtors and instructed Debtor One (Grover Williams) to write: "I Grover Williams Handyman Service will earn $47,000 this year."
Debtor Two (Sheila Williams) was instructed to write: "My babysitting service will make $800 a month this year."
19. Debtors looked at each other in bewilderment and asked in unison why the false statements were necessary. The Ameriquest representative stated that he was an expert in his field and did not appreciate Debtor distrust.
20. The Ameriquest representative made a phone call to Bank One and said that it was done.
21. The Ameriquest representative then informed the Debtors that the van had been paid off and handed the Debtors a check for $11,000. Because of the $11,000 the Debtors were able to make payments despite continued deminishing returns from the taxi venture.
22. Once the $11,000 was exhausted, Debtors began to fall hopelessly behind in mortgage payments.
23. Debtors, despite pulling themselves up by the boot straps and increasing their income three and fourfold from $700 a month to $2500 to $3200 a month Debtors are still hopelessly caught in the predators web.
24. After several months of deliquency Debtors emailed the Office of the President of Ameriquest a summary of the Ameriquest closing. Debtors were than contacted by Ms P. Chastine of the Ameriquest Office of the President, who explained that we have been dealing with an over zealous loan officer. P. Chastine appointed Shane Stangner, loan resolution specialist of Ameriquest, to modify the Ameriquest loan #35769454. Shane Stangner sent us a loan modification that required a payment of $914 per month.
25. The loan modifiction reduced the loan payment by $200 and included $200,000 balloon.
26. Debtors refused to sign because the of payment being to high and the balloon ridiculous. Shane Stagner then told Debtors that the $200,000 balloon was a typo and he could not reduce the payment any further. The Ameriquest loan specialist Shane Stangner informed the Debtors that he would be willing to reduce the balloon from $200,000 to $23,000 and would overnight a new modification to be signed the next day.
27. Debtors signed in duress, the modification which included an agreement not to ever sue Ameriquest. Despite modification of loan, Debtors continue to struggle to meet predation.
28. Every agreement, contract or stipulation that the Debtors have signed directly related to the unconscionable duress inflicted upon the Debtors by Ameriquest.
29. Debtors pray that this Court will find the relationship between Creditor and Debtor in this case to be unconscionable with clear elements of duress.


1. Here comes Debtors bearing readily verifiable claims that Wilshire (Creditor) has full knowledge of the unconscionable manner upon which the loan they purchased from Ameriquest was constructed.
2. Here comes the Debtors before this Honorable Court proclaiming that Ameriquest has been investigated by the Attorney General, the FBI and other federal government agencies.
3. Here comes the Debtors before this court offering evidence Exhibit B the Ameriquest has entered into a settlement of $325 million dollars to compensate alleged of predatory lending.
4. Here comes the Debtor before this Honorable Court seeking Court findings of Lender Liability and set off.
5. The Attorney General has advised Ameriquest victims that it could be well into the year 2007 before Ameriquest victims receive compensation. Debtors herein pray this Honorable Court will continue automatic stay until Set Off, equitable subordination and or lender liability related issues are found.
6. Here comes the Debtors damaged, harmed, precariously balanced between justice and tragedy.
7. Debtors have sought legal counsel willing to explore the issues at hand to no avail until today.
8. Debtors have located an astute and able esquire and will be able to hire such counsel on June 16th.

Posted by: grover williams | June 19, 2006 11:23 AM

Mr. Shane Stagner, he had my file gave it to Ms. Plum she or he lost it at that point, at least that was what Farrah M said Shane told her. that was April 2005.

Now I am dealing with their attorneys and some guy named Michael Zastuopil and a guy named Tom Noto they say he is the compliance officer for ameriquest. if he is he's not doing his job!

There is Thousands of dollars $$ missing from my mortgage with Ameriquest, their attorneys and the names above can't or just wont answer questions regarding all of this, they have caused the loss of our home and all of our things because they didn't pay things as promised during the closing.

Shane Stagner was/is also part of Melba V. Ameriquest 6,000,000,00 million dollar jury verdict against Ameriquest.

Ameriquest has offered to settle with me 5 times but does not offer an amount that would replace our home or help us recover from the losses they caused and they want to put a balloon payment on but don't say how much it would be. they are trying to scam me I'm sure.

It would take 2 days tell tell you everything they have done to us, It's been a nightmare!

I need some HELP tooooo PLEASE!

Markie8611@aol.com

Posted by: Me 2 hit by this guy! | September 23, 2006 1:24 PM

The 2 guys in theses cases would make the list for sure. they are involved in my case also. I'm dealing with Mike right now and I was told Shane lost my file.


[DOC] Atoo Heera Sakhrani
File Format: Microsoft Word - View as HTML
Pursuant to the March 20, 2006 Certification of Michael Zastoupil, ... Defendant Washington Mutual is conspiring with Michael Zastoupil to steal Plaintiff ...
www.crrol.org/sakhraniWFS.doc - Similar pages


Help Me Help You Continued - The Checkout Shane Stagner then told Debtors that the $200000 balloon was a typo and he could not reduce the payment any further. The Ameriquest loan specialist Shane ...
blog.washingtonpost.com/thecheckout/2006/01/help_me_help_you_continued.html - Similar pages



OCIS Case Summary for CJ-2003-4426- GILLEAN, MELBA M v. AMERIQUEST ... DATE NOVEMBER 28, 2005 MELBA GILLEAN VS. AMERIQUEST MORTGAGE COMPANY ... SHANE STAGNER, KURSTON MCMURRAY, SHERITA PULLEN, MAXWELL E. MEEK, MELBA GILLEAN, ...
www.oscn.net/applications/oscn/GetCaseInformation.asp?number=cj-03-4426&db=Tulsa&submitted=true - 261k - Cached - Similar pages

The American Dream? I don't think sooo...

Posted by: Me 2 | September 23, 2006 1:58 PM

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