What would you think if an outside enemy systematically attacked hundreds of U.S. county real estate recording offices, making it impossible for most of us to know who owns what legal rights regarding real estate anymore. Imagine that our courts, from coast to coast, have slowed to a crawl because the enemy had nefariously dismantled a system that had worked quite well for centuries. Imagine that, also for centuries, the filing fees paid for recording real estate interests had funded numerous important local government functions, but that the outside enemy destroyed this source of income, causing many government functions to flounder. Image that this enemy then set up its own real estate "information" offices that gave lots of incomplete information, often refusing to provide any information at all, and did so with reprehensible customer service.
Imagine one more thing: This has all really happened, but it was not caused by an outside enemy. Rather, all of this has happened regarding 60% of all home mortgages, and the entities doing the damage are America's banks, who have conspired to create an entity called MERS, designed to circumvent government real estate recording offices, at a high cost to everyone who relies on the integrity of our real estate recording system.
If you want to know the specifics, here is a terrific article by law professor Chris Peterson: "Two Faces: Demystifying the Mortgage Electronic Registry System's Land Title Theory."
This damage to our recording system is relatively new--it's been happening for a bit more than ten years, but the theme is now familiar to many of us: Corporate players taking over government functions and, in the process, rigging the playing field against the interests of ordinary Americans. The challenge now is to see whether the courts across America can recognize MERS for what it is, a despicable scam that has clouded the real estate titles of millions of people in an effort to rev up private corporate profits. The courts are now clogged with many cases attempting to deal with the problems caused by MERS; you'll want to keep your eye on this story to see whether the courts will slap down the banks.
There is a new series on the Pharyngula blog: Posts confessing "Why I Am An Atheist" gleaned from comments and responses. Some are well written, others not so much. But each is selected for showing a particular path into the light for people who have recovered from invisible friend addiction.
The most recent post, Why I am an atheist – Adam, shows how an upbringing under the Ken Ham school of Young Earth Creation and science denialism eventually led him to an understanding of the willful ignorance and dishonesty that pervades that culture. Once he began to question the "facts" that he was raised with, he quickly climbed up toward rationalism and lost his religion.