tag:blogger.com,1999:blog-55266916667066203692024-03-12T20:03:33.882-07:00AB149 -- Mortgage Mediation Blog for Nevada HomeownersAB149 -- Mortgage Mediation Blog for Nevada Homeownersnvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.comBlogger75125tag:blogger.com,1999:blog-5526691666706620369.post-80079733974697946822013-01-18T08:51:00.002-08:002013-01-18T08:51:23.041-08:00Reno-Sparks homes underwater<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-GZC2C0ZAVYg/TLfqffp1AdI/AAAAAAAAK8E/jkx0tzkuiy8/s1600/IMG_0129.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="http://3.bp.blogspot.com/-GZC2C0ZAVYg/TLfqffp1AdI/AAAAAAAAK8E/jkx0tzkuiy8/s320/IMG_0129.JPG" width="320" /></a></div>
Nevada had the highest percentage of mortgaged properties in negative
equity at 56.9 percent, followed by Florida, 42.1 percent; Arizona, 38.6
percent; Georgia, 35.6 percent; and Michigan, 32 percent.nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-18535475610617552982012-02-16T08:46:00.000-08:002012-02-16T08:46:28.265-08:00Audit Uncovers Extensive Flaws in Foreclosures By GRETCHEN MORGENSON Published: February 15, 2012 The findings of San Francisco county officials suggest how pervasive irregularities may be across the nation.<img src="http://graphics8.nytimes.com/images/article/functions/nyt_logo.gif" /> <br />
<br />
<br />
<a href="http://www.nytimes.com/2012/02/16/business/california-audit-finds-broad-irregularities-in-foreclosures.html">Audit Uncovers Extensive Flaws in Foreclosures By GRETCHEN MORGENSON Published: February 15, 2012 The findings of San Francisco county officials suggest how pervasive irregularities may be across the nation.</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-36726070978996382922012-02-11T14:51:00.000-08:002012-02-16T08:47:12.545-08:00The Deal Is Done, but Hold the Applause<img src="http://graphics8.nytimes.com/images/article/functions/nyt_logo.gif" /> <br />
<br />
<a href="http://www.nytimes.com/2012/02/12/business/mortgage-settlement-leaves-much-to-be-desired-fair-game.html">The Deal Is Done, but Hold the Applause By GRETCHEN MORGENSON Published: February 11, 2012</a><br />
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<br />
<div class="nyt_headline" id="nyt_headline" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #333333; font-family: Georgia, serif; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; letter-spacing: normal; line-height: normal; orphans: 2; padding-bottom: 3px; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">The Deal Is Done, but Hold the Applause</div><div class="byline" id="byline" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #999999; font-family: Arial, Helvetica, sans-serif; font-size: 11px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">By <a class="meta-per" href="http://topics.nytimes.com/top/reference/timestopics/people/m/gretchen_morgenson/index.html?inline=nyt-per" rel="author" style="color: #666699; text-decoration: none;" title="More Articles by Gretchen Morgenson">GRETCHEN MORGENSON</a></div><div class="timestamp" id="pubdate" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: grey; font-family: Arial, Helvetica, sans-serif; font-size: 11px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Published: February 11, 2012</div><div class="story" id="summary" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; clear: left; color: #333333; font-family: Georgia, serif; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 15px; orphans: 2; padding-bottom: 30px; padding-left: 0px; padding-right: 0px; padding-top: 2px; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">The settlement reached last week over questionable mortgage practices by major American banks hardly cracks the iceberg that is the foreclosure mess.</div>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-51894034899146375032012-01-08T06:22:00.000-08:002012-01-08T14:17:29.163-08:00Fair Game From East and West, Foreclosure Horror Stories By GRETCHEN MORGENSON Published: January 7, 2012<div class="separator" style="clear: both; text-align: center;"><a href="http://graphics8.nytimes.com/images/article/functions/nyt_logo.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://graphics8.nytimes.com/images/article/functions/nyt_logo.gif" /></a></div><br />
<br />
<a href="http://www.nytimes.com/2012/01/08/business/mortgage-servicing-horror-stories-fair-game.html">Fair Game From East and West, Foreclosure Horror Stories By GRETCHEN MORGENSON Published: January 7, 2012 </a><br />
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<br />
<div class="bylineRegion" id="section">Business Day</div><div class="nyt_headline" id="nyt_headline">From East and West, Foreclosure Horror Stories</div><div class="byline" id="byline">By <a class="meta-per" href="http://topics.nytimes.com/top/reference/timestopics/people/m/gretchen_morgenson/index.html?inline=nyt-per" rel="author" title="More Articles by Gretchen Morgenson">GRETCHEN MORGENSON</a></div><div class="timestamp" id="pubdate">Published: January 7, 2012</div><div class="story" id="summary">There is still no nationwide settlement over practices at mortgage servicing companies. But a couple of state attorneys general have been taking matters into their own hands.</div>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-91195941974026776582012-01-07T20:51:00.000-08:002012-01-07T20:51:28.392-08:00January 4, 2012, Oral Arguments Davis vs. US Bank Carson City – 10:00 a.m. – Full Courthttp://www.nevadajudiciary.us/index.php/oralarguments/1390-davis-vs-us-bank-<br />
<br />
Davis vs. US Bank,<br />
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Docket No. 56306<br />
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Carson City – 10:00 a.m. – Full Court<br />
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This appeal from a district court order granting a petition for judicial review in a foreclosure mediation action addresses the proof that a lender must provide to show they are a legitimate trustee on a property on which they seek to foreclose. The case began when appellants Andrew and Lauretta Davis defaulted on their home loan and elected to participate in Nevada’s Foreclosure Mediation Program. At the mediation, the purported deed of trust beneficiary, respondent U.S. Bank, sought to establish that it was the owner of appellants' loan. To do so, U.S. Bank produced a document indicating that Mortgage Electronic Registration Systems (“MERS”), acting as a nominee for the couple’s original lender, had assigned both the beneficial interest in the deed of trust and ownership of the corresponding promissory note to U.S. Bank. The mediator, however, concluded that this document was insufficient to establish ownership of the loan as required by the Program and that, consequently, a foreclosure certificate should not be issued. U.S. Bank then filed a petition for judicial review, seeking a determination that it had produced the documents necessary to establish its ownership of the loan. Without addressing the legal effect of the MERS assignment, the district court granted respondent’s petition and ordered that a foreclosure certificate be issued. The couple then filed this appeal, contending that the MERS assignment was insufficient and the district court improperly ordered a foreclosure certificate to be issued. ISSUES: (1) Were the foreclosure mediation proceedings and the resulting judicial review proceedings appropriate forums for appellants to raise arguments regarding the validity of assignments of the deed of trust on their home and issues concerning the use of MERS? (2) Can a district court refuse to issue a letter of certification at the conclusion of judicial review proceedings stemming from foreclosure mediation, even if the district court does not find that the lender participated in the mediation process in bad faith? (3) In the underlying judicial review proceeding arising from a foreclosure mediation, did the district court properly conclude that respondents met their burden of demonstrating that sanctions were not warranted, when the mediator apparently found that respondents failed to bring all necessary documents, including all assignment documents, to the mediation, but U.S. Bank claims that an offer to modify the subject loan was made and was rejected by appellants? (Disclaimer: This synopsis is intended to provide only general information about this case before the Nevada Supreme Court. It is not intended to be all inclusive or reflect all positions of the parties. To access the documents that have been filed in this matter, type the docket number into the court’s case search page: http://caseinfo.nvsupremecourt.us/public/caseSearch.do)nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-52480152693523335022011-12-01T09:03:00.000-08:002011-12-01T09:03:36.450-08:00Foreclosure fraud whistleblower found dead<a href="http://usnews.msnbc.msn.com/_news/2011/11/29/9099162-foreclosure-fraud-whistleblower-found-dead">Las Vegas Robo-Signing Whistleblower Found Dead Before Sentencing Hearing</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-45720593871241556142011-07-27T12:27:00.000-07:002011-07-27T12:27:56.277-07:00<a href="http://www.nytimes.com/2011/07/24/business/bank-settlement-in-mortgage-mess-may-hinge-on-mers.html">The Banks Still Want a Waiver</a><br />
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<img src="http://graphics8.nytimes.com/images/article/functions/nyt_logo.gif" style="float: left; margin: 10px 0px 13px;" /><br />
<br />
<br />
<br />
<div class="bylineRegion" id="section">Business Day</div><br />
<div class="nyt_headline" id="nyt_headline">The Banks Still Want a Waiver</div><br />
<div class="byline" id="byline">By <a class="meta-per" href="http://topics.nytimes.com/top/reference/timestopics/people/m/gretchen_morgenson/index.html?inline=nyt-per" rel="author" title="More Articles by Gretchen Morgenson"><span style="color: #004276;">GRETCHEN MORGENSON</span></a></div><br />
<div class="timestamp" id="pubdate">Published: July 23, 2011</div><br />
<div class="story" id="summary">Could an eventual settlement of the foreclosure mess give banks a shield against future lawsuits?</div>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-41601827426919819542011-06-21T12:13:00.000-07:002011-06-21T12:13:02.328-07:00Categorized | STOP FORECLOSURE FRAUD IN RE VEAL | AZ 9th Circuit BAP “Reverses Stay, Wells Fargo & AHMSI Lack of Standing, PSA Fail, Assignment Fail, UCC Articles 3 & 9 Applied”<a href="http://www.scribd.com/doc/57568003/IN-RE-VEAL-w" style="-x-system-font: none; display: block; font-family: Helvetica,Arial,Sans-serif; font-size-adjust: none; font-size: 14px; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal; margin: 12px auto 6px auto; text-decoration: underline;" title="View IN RE VEAL w on Scribd">IN RE VEAL w</a><object data="http://d1.scribdassets.com/ScribdViewer.swf" height="500" id="doc_110064431610049" name="doc_110064431610049" style="outline: none;" type="application/x-shockwave-flash" width="100%"><span class="Apple-tab-span" style="white-space:pre"> </span><param name="movie" value="http://d1.scribdassets.com/ScribdViewer.swf"><span class="Apple-tab-span" style="white-space:pre"> </span><param name="wmode" value="opaque"><span class="Apple-tab-span" style="white-space:pre"> </span><param name="bgcolor" value="#ffffff"><span class="Apple-tab-span" style="white-space:pre"> </span><param name="allowFullScreen" value="true"><span class="Apple-tab-span" style="white-space:pre"> </span><param name="allowScriptAccess" value="always"><span class="Apple-tab-span" style="white-space:pre"> </span><param name="FlashVars" value="document_id=57568003&access_key=key-21zui8wgrizbsty2ugqa&page=1&viewMode=list"><span class="Apple-tab-span" style="white-space:pre"> </span><embed id="doc_110064431610049" name="doc_110064431610049" src="http://d1.scribdassets.com/ScribdViewer.swf?document_id=57568003&access_key=key-21zui8wgrizbsty2ugqa&page=1&viewMode=list" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" height="500" width="100%" wmode="opaque" bgcolor="#ffffff"></embed><span class="Apple-tab-span" style="white-space:pre"> </span></object>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-72315870413139109502011-06-21T12:05:00.000-07:002011-06-21T12:05:07.961-07:00Nevada Foreclosure Mediation Program - call ins and podcasts<object allownetworking="all" allowscriptaccess="always" data="http://www.talkshoe.com/badges/badgeSm160.swf?domainId=api.talkshoe.com&masterId=96855&colorId=blue" height="317" id="W46e01640976f216c" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" width="160"><param name="wmode" value="transparent" /><param name="movie" value="http://www.talkshoe.com/badges/badgeSm300.swf?domainId=api.talkshoe.com&masterId=96855&colorId=blue" /><param name="allowScriptAccess" value="always" /></object>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-85634291486353572442011-02-07T13:31:00.000-08:002011-02-07T13:31:15.445-08:00Foreclosure mediation on today’s Nevada Supreme Court docket | Las Vegas Legal News<a href="http://lvlegalnews.com/high-profile/5624.html">Foreclosure mediation on today’s Nevada Supreme Court docket | Las Vegas Legal News</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-29769348170796950862011-01-31T09:41:00.000-08:002011-01-31T09:41:52.150-08:00Treasury Impotent To Penalize Wrongfully Denied Loan Mods - The Consumerist<a href="http://consumerist.com/2011/01/treasury-impotent-to-do-anything-about-wrongfully-denied-loan-mods.html">Treasury Impotent To Penalize Wrongfully Denied Loan Mods - The Consumerist</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-47748731028270642842011-01-21T12:52:00.000-08:002011-01-21T12:52:58.462-08:00To walk or not to walk: Underwater homeowners face moral dilemma - Friday, Jan. 21, 2011 | 2 a.m. - Las Vegas Sun<a href="http://www.lasvegassun.com/news/2011/jan/21/afflicted-debt-morality/">To walk or not to walk: Underwater homeowners face moral dilemma - Friday, Jan. 21, 2011 | 2 a.m. - Las Vegas Sun</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-7913285713794614862011-01-07T14:49:00.000-08:002011-01-07T14:49:04.054-08:00Banks Lose Pivotal Foreclosure Case in Massachusetts Top Court<div><span class="Apple-style-span" style="font-family: sans-serif; line-height: 18px; "><span class="news_story_title" style="font-weight: bold; ">Banks Lose Pivotal Foreclosure Case in Massachusetts Top Court </span><br /><p>By Thom Weidlich</p><p>Jan. 7 (Bloomberg) -- U.S. Bancorp and Wells Fargo & Co. lost a foreclosure case in Massachusetts’s highest court that will guide lower courts in that state and may influence others in the clash between bank practices and state real-estate law. The ruling drove down bank stocks.</p><p>The state Supreme Judicial Court today upheld a judge’s decision saying two foreclosures were invalid because the banks didn’t prove they owned the mortgages, which he said were transferred into two mortgage-backed trusts without the recipients’ being named.</p></span></div><div><br /></div><a href="http://mobile.bloomberg.com/apps/news?pid=2065100&sid=aKRyoX5I8i6U">Bloomberg.com</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-35640716415027869232010-12-03T21:51:00.000-08:002010-12-03T21:51:25.400-08:00"Support Representative Kaptur's Bill: Time to Shut Down MERS and to Restore the Rule of Law" By L. Randall Wray UMKC | Re-Imagining Economics<a href="http://economics.arawakcity.org/node/804">"Support Representative Kaptur's Bill: Time to Shut Down MERS and to Restore the Rule of Law" By L. Randall Wray UMKC | Re-Imagining Economics</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-2341383244125707282010-11-12T13:29:00.000-08:002010-11-12T13:29:42.010-08:00Matt Taibbi: Courts Helping Banks Screw Over Homeowners | Rolling Stone Politics<a href="http://www.rollingstone.com/politics/news/17390/232611?RS_show_page=1">Matt Taibbi: Courts Helping Banks Screw Over Homeowners | Rolling Stone Politics</a>: "The mortgages that are being foreclosed upon have no real owners. The lawyers bringing the cases to evict the humans have no real clients."nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-61333033049812672302010-10-25T14:23:00.000-07:002010-10-25T14:23:02.636-07:00In Nevada, a fight over foreclosure paperwork - Monday, Oct. 25, 2010 | 2 a.m. - Las Vegas Sun<a href="http://www.lasvegassun.com/news/2010/oct/25/fighting-over-foreclosure-paperwork/">In Nevada, a fight over foreclosure paperwork - Monday, Oct. 25, 2010 | 2 a.m. - Las Vegas Sun</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-62266658632980968632010-10-16T22:37:00.000-07:002010-10-16T22:37:07.285-07:00Jacob Hafter, Esq. letter to Judge Mosleynvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-14747167979656667712010-10-16T22:35:00.000-07:002010-10-16T22:35:27.277-07:00Where's the Note: Is Your Mortgage Affected?<a href="http://www.seiu.org/2010/10/is-your-mortgage-affected.php">Where's the Note: Is Your Mortgage Affected?</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-395174004544660292010-10-10T05:33:00.000-07:002010-10-10T05:41:55.443-07:00Pitfalls of Mandatory Foreclosure Mediation<a href="http://gallagherlaw.blogspot.com/2010/08/pitfalls-of-mandatory-foreclosure.html"></a><br /><br />In Florida, lenders are requesting the full disclosure of private financial information from borrowers prior to mediation, yet the lenders furnish no information regarding their financial stability. Normally, personal financial disclosure is given during discovery in aid of execution after a judgment has been rendered.<br /><br />This is true in Nevada, as well, under the foreclsoure mediation rules. Under the promise of transparency and information symmetry, borrowers are invited to provide just about every item necessary for the lender to evaluate how collectible an eventual deficiency judgment may be. And what must the lender provide? Well, according to the law, all of its loan documents, verification of their authenticity and a chain of title to the loan, and an authorized representative available to negotiate an extra-judicial settlement.<br /><br />And what comes first, the chicken or the egg? The borrower can be disqualified from mediation if he is untimely, inaccurate or misleading in submitting his financial information. After the borrower complies, what happens if the lender is not equally forthcoming? So far, the Nevada program reports no penalties being imposed for lender noncompliance.nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-66535913800636383722010-10-06T02:37:00.000-07:002010-10-06T02:37:16.915-07:00Flawed Bank Paperwork Aggravates a Foreclosure Crisis - NYTimes.com<a href="http://www.nytimes.com/2010/10/04/business/04mortgage.html?ref=business">Flawed Bank Paperwork Aggravates a Foreclosure Crisis - NYTimes.com</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-1320391154840159362010-10-06T02:35:00.000-07:002010-10-06T02:35:45.942-07:00Foreclosure Furor Rises - Many Call for a Freeze - NYTimes.com<a href="http://www.nytimes.com/2010/10/06/business/06mortgage.html?_r=1">Foreclosure Furor Rises - Many Call for a Freeze - NYTimes.com</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-8588214639463781822010-09-19T16:58:00.000-07:002010-09-19T17:00:14.097-07:00Fair Game - When Mortgage Mediation Is a Gamble - NYTimes.com<a href="http://www.nytimes.com/2010/09/19/business/19gret.html?_r=1">Fair Game - When Mortgage Mediation Is a Gamble - NYTimes.com</a><br /><br />By GRETCHEN MORGENSON<br />Published: September 18, 2010<br />Nevada’s foreclosure mediation program completed 4,212 cases in its first year. But some mediators who have participated in it, as well as some lawyers for borrowers, say it has flaws.nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-51936541608629960422010-07-29T16:16:00.000-07:002010-07-29T16:16:40.125-07:00Nevada foreclosure mediation program gets mixed reviews | rgj.com | The Reno Gazette-Journal<a href="http://www.rgj.com/article/20100728/NEWS/100728053/1321/NEWS">Nevada foreclosure mediation program gets mixed reviews | rgj.com | The Reno Gazette-Journal</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-88593584522693570672010-07-27T19:07:00.000-07:002010-07-27T19:07:07.331-07:00Dem Leaders Reduced to Begging Banks to Modify Mortgages | FDL News Desk<a href="http://news.firedoglake.com/2010/07/27/dem-leaders-reduced-to-begging-banks-to-modify-mortgages/">Dem Leaders Reduced to Begging Banks to Modify Mortgages | FDL News Desk</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0tag:blogger.com,1999:blog-5526691666706620369.post-26192117923073765852010-07-27T19:03:00.000-07:002010-07-27T19:03:28.986-07:00On Walking Away | FDL News Desk<a href="http://news.firedoglake.com/2010/07/27/on-walking-away/">On Walking Away | FDL News Desk</a>nvlawcomhttp://www.blogger.com/profile/16999845944258544196noreply@blogger.com0