When their financial nightmare becomes yours

saddest thing

There are a couple of things that just haven’t added up. First, in looking at one of the last loan applications completed for a Suntrust loan on 601 N Ellwood Ave in Baltimore city, you will see that both borrowers indicated that they were “single”. You’ll see that on page 1 attached:

Page one of loan app

Then, moving onto page 2 is where it was disclosed to the Suntrust loan officer (and signed off on settlement day) that something called “BAH” was extra income for borrower 1:

page two of loan app

And then, well you can see the date that this particularly loan application was completed, which was in June of 2006:

page three of loan app

Ok. So, now comes the tricky part. In those documents received from the FOIA request from the military, there appears to be some confusion as to whether or not Mr. Black is still the spouse. See for yourself. On this first page, the box for item 14 where it asks for “marital status” is checked “single”. Jumping down to box #22, Christopher’s first and last name are typed into block “a”, but block “b” (darn) has no social security number (do you have one?). See:

Download (PDF, 4.11MB)

And then, on the back side of the document, block #29 has typed into it “Estranged from spouse address unknown”. Block #30 requests the signature of Mr. Black because it asks for his permission so that the retiree can waive his right to retirement benefits and give them instead to the two beneficiaries listed on the first page. Likely, the form couldn’t be submitted without Mr. Black’s signature (or was rejected because they were making payments based on him being supported by those BAH payments). Anyway, Mr. Black indeed ended up coming to his wife’s rescue and being able to be located, signed the form in March 2006, and had a friend or buddy “James Miller” who lived in Florissant, MO, witness his signature. Clues as to where we may find Christopher Black, finally! James Miller is SUCH a common name, but there is a specific address listed on the document, see:

Download (PDF, 2.19MB)


Now, we are dealing with the US Government here, so I notice that there is a statement before the signature for the retiree that reads “Under penalties of perjury, I certify that the number of withholding exemptions claimed does not exceed… and that all statements on this form are made with full knowledge of the penalties for making false statements (18 US Code 287 and 1001 provide for a penalty of not more than $10,000 fin, or 5 years in prison, or both).” The Federal statute involves “false, fictitious or fraudulent claims”.

Why is this post referring to a financial NIGHTMARE, you ask? Simple. When one files in the Federal court, seeking protection from creditors, it is a right, but it’s also a privilege. See, if you want to get that protection and be able to discharge the debts that you no longer want to pay, the trustee relies on you being HONEST about those debts as well as your true ability to pay them. Can’t hide assets, can’t fail to disclose income or hide money, can’t transfer money for a time period before you file, can’t ring up credit card debt knowing what you are about to do (file), and you can’t discharge debts that were incurred as result of your FRAUD (whether false pretenses or actual fraud). See:

Download (PDF, 2.04MB)

At the same time when those loan documents were being executed with someone declaring to be “single”, monies that were based on being “married” were being declared on them in order to qualify for those mortgages in Baltimore city. Wonder if those seven loans would have been approved without that extra money factored into the equation? A case of:

Too late now

Too late now


So boys and girls, the lesson for today is what we will call the “Three Cs”. Just as you should be careful who you get into bed with, you should also be very Careful, Cautious and Check who you get into business with. For if you don’t, you may find yourself wishing that you could be free of the nightmare of dealing with them, only to realize that the nightmare is only beginning!

In keeping with the theme of this website: we’re looking for anyone at Suntrust Mortgage who CARES (oh, another “C”!) about this who can tell us the truth. Yes, there are foreclosures all around the country, but can you tell us for sure whether or not you plan on pursuing your rights to NOT have these debts discharged in bankruptcy? Inquiring minds wanna know!



11 thoughts on “When their financial nightmare becomes yours

  1. Lori Stanton

    It makes people not want to invest or go into business with anyone. You don’t really know who you can trust not to spindle you out of your money. I don’t trust anyone with my money. When i hear stories like this one, I know I am doing the right thing. I may never be financially rich, but I live in peace daily by living my life right.

  2. Quad is Here

    That’s why people have a hard time trusting people. Wanting to believe someone is what can get you into trouble. If she didn’t care about doing the fraud, then she surely wasn’t going to care about YOU. I’m not saying AN EYE FOR AN EYE, but she’s had time and her chance to make things right, and hasn’t. She will get what’s coming to her! Good for you, showing the fraud she’s done and using it to show and teach others. It’s not ok what I’ve read that she did. There no excuse when greed is the motive. It clearly was.

    1. Jason S

      I agree. Every day that she woke up, she had a decision to make. Keep up the fraud, or stop. Greed is what motivates someone like that. I mean, did she have kids? If so, she put them at risk with her actions. Making up someone for money, shows how devious she was. That wasn’t a government mistake. It was her plotting over time to create, and then watching every month as she reaped the benefit. Though retired, she should be stripped of any benefit she is now getting. How’s that for a penalty for perjury?

      1. Dawn T

        Stripped, and made to pay every penny of it back with interest! Not supposed to be able to get certain benefits if you don’t have an honorable discharge. Nothing honorable in her actions. She can keep honorable status if she pays back all the money now. Otherwise, change her discharge to dishonorable. After all, the shoe fits! Damn.

  3. draftcuz

    This is mortgage fraud. Knowing that you are falsifying one set of documents at the same time as completing others, shows clear fraud. I think both sets of agencies should be looking. They stole from government, and then was greedy trying to profit further from it. Suntrust should go after her.

    1. admin Post author

      We’re looking for a good contact at Suntrust. Do you have or know of one? Please send an email to fishy(at)tocatchafish.net Thanks!!

  4. dopplegangergeez

    Can anyone say Edward Snowden? What’s up with people who are trusted by our government, acting like children on bad behavior? Maybe she needs to be in Hong Kong with him!

  5. prescott2

    Wow. It’s a shame that you almost would have needed to investigate this chick before getting into business with her. But who would think that someone would have had the “balls” (sorry, she sounds like a dude to me) to do these things right under the government’s nose? Disgrace. No wonder we have security breaches!

  6. cruz24

    Has anyone tried to notify the FBI about this person? Can’t help but wonder what else she may have done that you just don’t know about (yet).

    1. The Fisherman

      All things are happening exactly as they need to. Nothing can be confirmed or denied here, of course, but your point is appreciated and shared by many. Please spread the word. As you said in your other comment, when people are held accountable then things have a better change of changing for all of us.

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