Joseph Zernik, PhD, of Human Rights Alert (NGO) released his Declaration, in hope that We the People regain our sovereignty in the United States, a nation, now held hostage by corrupt bankers, judges, clerks, and attorneys.
Massive fraud in COUNTRYWIDE was ongoing for at least a decade prior to the financial crisis. The evidence shows that COUNTRYWIDE was operating as a corrupt organization under CEO ANGELO MOZILO and Chief Legal Officer SANDOR SAMUELS. Such conduct of the Los Angeles-based COUNTRYWIDE was made possible through direct collusion with the LA-JR (Los Angeles Judiciary Racket).

Los Angeles County, State of California, US law enforcement and US banking regulators were fully informed of the criminality in the sub-prime industry well before the onset of the financial crisis, but all worked in concert to cover it up. In contrast, following the eruption of the crisis, senior officers of some of the same agencies, repeatedly made false and deliberately misleading statements in various hearings before the US Congress, where they denied any evidence of criminality in the sub-prime industry.

The notion that covering up the corruption will help instill public confidence in the US financial system is delusional at best.
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DECLARATION OF JOSEPH ZERNIK
I,
the undersigned, Joseph Zernik, declare as follows:



1) In December 2006, well before the eruption of the financial crisis, I learnt
for the first time the name of COUNTRYWIDE FINANCIAL CORPORATION
("COUNTRYWIDE"). I had no business with the Countrywide, I had
no mortgage with the COUNTRYWIDE, and never had any mortgage serviced by
COUNTRYWIDE.



2) In mid-December 2006 I obtained from the office of Attorney CHARLES CUMMINS
(then Managing Partner in SULLIVAN WORKMAN & DEE , 800 S. Figueroa, Suite 1200, Los Angeles 90017; Tel: 213 624 5544 x223, Email:
CCummings@SWDLAW.NET), who represented me at the time, copies of
discovery records, including some 400 pages of banking documents from
Countrywide Financial Corporation.



3) Although I had no background in the law, in banking, or in professional real
estate, I realized after review of the documents that COUNTRYWIDE and its Legal
Department, then headed by Chief Legal Officer SANDOR SAMUELS, today President
of Bet Tzedek ("The House of Justice"), were key parties in real
estate fraud perpetrated on me.



4) To rule out the possibility that it was human error, I made in late December
2006 some phone calls to COUNTRYWIDE's Legal Department and its Custodian
of Records. Following these phone calls I became convinced that it was
deliberate conduct, and not a human error.



5) I also visited around December 2006 - January 2007 the FBI office in Los
Angeles and talked with the agent by phone as well. The Duty Agent
reviewed my records during my visit, and confirmed that it was fraud. Moreover,
he advised me that my attorney was at fault as well, since for over a year, he
had never filed on my behalf in court a counterclaim of fraud and deceit.
The Duty Agent advised me that I had to find immediately an attorney, who would
file on my behalf the Fraud and Deceit counterclaim.



6) From January to June 2007 I interviewed numerous law firms in Los Angeles.
None agreed to file on my behalf the Fraud and Deceit counterclaim. One
attorney explained to me that I was "radioactive", and any attorney
who would agree to represent me would suffer consequences. Another
attorney explained to me that no attorney would dare to file on my behalf the
Fraud and Deceit counterclaim, since the judges themselves were part of the
fraud, and any attorney who would dare to do so would suffer retaliation.



7) After I confronted Attorney CHARLES CUMMINGS in this matter, he offered me a
$25,000 fee waiver, if I agreed to leave his office immediately and relieve him
of his duties as my counsel.



8) Further analysis of the records led me to the conclusion that the fraud was
initiated in 2004, by JAE ARRE LLOYD (formerly Timothy Lloyd Morrow) (listed
online today as: J.R. Lloyd - President & CEO

Beverly Hills Capital Group, 468 N. Camden Drive #255B, Beverly Hills,
CA 90210; NMLS MLO Lic #236709; DRE Broker #01871179, Email: JR@JRLloyd.com),
who was at the time "Loan Originator" for Countrywide, in collusion
with Countrywide's San Rafael's Branch Manager MARIA MCLAURIN.



9) Upon information and belief JAE ARRE LLOYD had been convicted on financial
crimes, related to the theft of the benefits funds of the employees of SKYLINE
FUNDING CORPORATION.



10) I also talked by phone with Branch Manager MARIA MCLAURIN around that time,
and she claimed that all records produced by COUNTRYWIDE were reviewed by the
COUNTRYWIDE Legal Department and that the discovery was directly managed and
produced by the COUNTRYWIDE's Legal Department in consultation with her.



11) Additional analysis of the discovery records, led me to the conclusion that
DIANE FRAZIER (4329 Gloria Ct, Rohnert
Park, CA 94928, (707) 586-1479), who was in 2004 Underwriter in COUNTRYWIDE's
San Rafael Branch, was a key figure in the case. Moreover, my analysis
led me to the conclusion that she unsuccessfully tried to resist the mortgage
fraud being perpetrated by JAE ARRE LLOYD and MARIA MCLAURIN.



12) In March 2007, I managed to locate
DIANE FRAZIER, and spoke with
her at length by phone (about an hour).



13) DIANE FRAZIER remembered in
great details the case related to JAE ARRE LLOYD and MARIA MCLAURIN. She explained to me that she had
worked for well over a decade in the COUNTRYWIDE's
San Rafael Branch, and in 2004 was a Senior Underwriter there. She
further told me that in early 2005 she was fired, in retaliation for her
resistance to the fraud in the case describe herein. She provided me with
additional details regarding the fraud in this specific case, and also
described to me in detail the large-scale fraud that had been perpetrated in
the underwriting of US government-backed sub-prime mortgages in the COUNTRYWIDE's San Rafael Branch in
2004 and previous years. She described the branch as involved in massive
mortgage fraud on the US government, to the tune of what amounted to billions
of dollars per year in that branch alone.



14) DIANE FRAZIER, who by then was not
employed by Countrywide for over two years, sounded scared, and repeatedly
warned me: "You don't know who you are dealing with".



15) About a week later, I tried to call DIANE FRAZIER again, to let her know
that I was going to serve on her a subpoena for deposition. A man
answered the phone and told me that COUNTRYWIDE forbade DIANE FRAZIER to talk
with me, and that if I called her again: "I will come down to LA and gun
you down".



16) Later, still in early 2007, I tried to subpoena DIANE FRAZIER for
deposition, using the services of ABC LEGAL SERVICES, Orange County.
Their people staked the house of DIANE FRAZIER for over 24 hours, but she was
nowhere to be seen. A person, who ABC LEGAL SERVICES said answered the
door, claimed that DIANE FRAZIER no longer lived there. However, when I
tried to call DIANE FRAZIER in 2010, she was again at the same phone number.



17) I have repeatedly filed with FBI and US Department of Justice complaints
against those involved in this conduct (see links below), but both FBI and US
Department of Justice, both in Los Angeles, California, and in Washington
DC. However, both FBI and US Department of Justice refused to provide me
any protection.



18) In June 2007 I transmitted directly to Chief Legal Officer SANDOR SAMUELS
and to then CEO ANGELO MOZILO requests to stop the fraud being perpetrated
against me. Both refused to do so. Instead, they retained in June 2007
the law-firm of BRYAN CAVE, LLP, to initiated a campaign of retaliation,
harassment and intimidation against me, as part of which I was threatened with
jailing.

19) Following the takeover of Countrywide by
Bank of America Corporation, I likewise directly forwarded requests to both
KENNETH LEWIS III and BRIAN MOYNIHAN, who served as Presidents of Bank of
America Corporation. I asked the to
stop the fraud and retaliation perpetrated against me. However, the retaliation was only exacerbated.




20) In 2008 Senator DIANE FEINSTEIN and Congresswoman DIANE WATSON filed
on my behalf Congressional Inquiries on then US Attorney General MICHAEL
MUKASEY and FBI Director ROBERT MUELLER III, why they would not provide me
Equal Protection under the law.



21) Responses to the US Congress, signed by FBI Assistant Director for Criminal
Investigations KENNETH KAISER and then Director of the US Attorneys Office
KENNETH MELSON (who later became known as a key person in the "Fast and
Furious" operation), falsely claimed that I was complaining about
"foreclosure procedures".



22) I have never been party to foreclosure, mortgage default, or bankruptcy
procedures of any kind.



23) I later obtained from highly decorated FBI veteran JAMES WEDICK
(Sacramento, California, Land Line: 916 638 3566 Cell: 916 501 2805, Fax: 916
290 0999, Email: jwedick@fraudspecialists.com) a fraud expert opinion letter in
this matter. (linked below).



24) Moreover, JAMES WEDICK documented in an email notice to me (linked below)
that he was contacted by FBI Special Agent from the Los Angeles Branch, who
agreed with JAMES WEDICK that I was a victim of fraud, and that FBI was
required to provide me Equal Protection.



25) To this date, I have never been accorded Equal Protection in this and
related matters by any of the numerous US and California law enforcement
agencies, which I filed complaints with.



26) In late April 2010 I abruptly escaped from Los Angeles, when I realized
that my life was seriously endangered.



27) The danger to my life coincided with the deadline for submission of
submission of my report, on behalf of Human Rights Alert (NGO), to the United
Nations. The report was later incorporated into an official United
Nations report, with a note referring to: "corruption of the courts and
the legal profession and discrimination by law enforcement in California".
(see linked below)



28) Beyond the persons listed above, key figures in the fraud were:

a) California Judge JACQUELINE CONNOR (famous for her role in the Rampart
Scandal, 1998-2000)

b) California Judge JOHN SEGAL

c) Then California Judge TERRY FRIEDMAN (former Bet Tzedek's Executive
Director)

d) Attorney DAVID PASTERNAK (former Bet Tzedek's President and former President
of Los Angeles County Bar Association)



29) Numerous other California and US judges, California and US clerks,
attorneys, financial institutions, and others were involved in perpetrating the
fraud.



The above declaration is made under penalty of perjury under the law of the
United States, and is transmitted via my personal, secure electronic mail
account.



Signed this date: December 26, 2011, here in Jerusalem,