Kalispell Broker - Whistleblower

www.RealEstateIndustryWhistleblower.com

crystal cox montana
www.RealtorSucks.com

crystal cox eureka
Ten Lakes Realty

Cork Andrews is a high profile member of the Creditors’ Committee. Word on the street is that Cork originally said Kevin Padrick was a shyster. Then on another day, Cork changes his mind and votes Kevin Padrick it to take care of all your money.

I find it funny to see that Cork put a lien on a Montana property owned by two of the Summit Principals and 2 innocent parties. This tells me that Cork was trying to position himself first in front of all of you. This also tells me that Kevin Padrick and/or Obsidian should know about this lien if they have done any work on this property.

So now we have Annie Buell and Cork Andrews as Chair and High Profile members of the Creditor’s Committee pushing for Kevin Padrick to be put into the CRO/Trustee role in this case.

Looking back, I don’t see any reason why Kevin Padrick or Obsidian needed to be involved. This could have been handled just fine in its original format with Terry Vance as CRO and actually WORKING on the JOB. My opinion is that Kevin Padrick & Obsidian were simply SELLING HIMSELF for the JOB. They had good allies in Cork Andrews & Annie Buell.

Cork Andrews completely changes his position and gets himself in front of the line. Then Kevin Padrick allows this. I wonder what this is about? Maybe another deal was made at your expense?

It seems to me that Annie Buell acts as a good instigator for Kevin Padrick and maybe there is a deal there too. I hear Annie Buell pushes Jeanette Thomas at Perkins Coie around. Why is Jeanette Thomas being pushed around by Annie Buell??

Seems like individuals who have their own interests in mind are big players in this Bankruptcy Case. Ask yourself why this is the case? Dig Deeper! Find your own Answers? Ask the questions you are scared to ask because you don’t want it to be the Truth. Only then will you be able to see what you need to do to save your money.

THE MONEY IS THERE! It is YOUR HARD EARNED money! The Attorneys look at your money as a game. I don’t think money is a game. It is what we use to pay for our living expenses. We shouldn’t want all of it, but I don’t see why we should be able to PROTECT the money we did earn and is still there. Do you see why you should not get your money back if it is still there if someone just did their job and looked out for your best interest?

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Kevin Padrick of Obsidian Finance is Trying to Have Does Kevin Padrick Own the Oregon Police.....Kevin Padrick wants Stephanie DeYoung Arrested for Industry Whistleblowing.

Does Oregon have a Criminal Code? Is Kevin Padrick following the Criminal Code? Can Kevin Padrick MAKE the police take "Evidence" from Stephanie Studebaker DeYoung.

Do Whistleblower Laws protect these videos? How can a local cop take them... Well I guess Kevin Padrick ZILLIONAIRE owns the Oregon Police.

Folks, you had Better Wake Up.. if you are a Victim of the 1031 Summit Exchange Bankruptcy it is past time for OUTRAGE.. Kevin Padrick of Obsidian Finance has BIG MONEY and he can even tell the local Oregon Police what to do.

Stephanie Studebaker DeYoung has made a Stand for the Folks hurt and being lied to in Regard to the Summit 1031 Exchange bankruptcy, She taped a meeting - She was allowed into the meeting and She is an Industry Whistleblower. YOU have rights to know what was said and what is being done to you to deliberately CHEAT you out of MILLIONS OF DOLLARS.

Does Kevin Padrick of Obsidian Finance Own the Oregon Justice System? These Videos need to be seen and they affect more then JUST Oregon Investors.

Do local POLICE have a right to take these videos from Stephanie Studebaker DeYoung? I don't think they do but they sure act like they do and they are GOING TO DO IT...

How far will Kevin Padrick REALLY go to Silence the TRUTH and to KEEP you, the Exchangers from Seeing ANY of your MONEY?

If your interested in the TRUTH - you had better Download these videos NOW on your hard drive or computer, because Kevin Padrick does not want the Creditors Council, the Exchange Council, the Department of Justice, the Exchangers to see these Videos.. and he will STOP at nothing to get this Channel Shut down...

Download these Videos and Post them EVERYWHERE, this is WHISTLEBLOWING and The 1031 Exchange Victims have a Right to Know.
Montana 1031 Exchange - Summit Exchange - Kalispell Real Estate

Cork Andrews, seems like I nice guy. I don't know, I have never met him.. I don't Yet know a whole lot about the National Council of Exchanges, but I soon will. The Question I will be exploring about Cork Andrews is why he is quoted to have said that Kevin Padrick of Obisidian Finance was a "Shyster" and then he suddenly changed his tune and supposedly voted for Kevin Padrick to be the Court Appointed Bankruptcy Trustee with the Bankruptcy of Summit 1031 Exchange.

We are not yet sure what Kevin Said to Cork Andrews, or even if all this is really true, however, we do intend to get to the bottom of it. As a Real Estate Consumer Advocate, I want the Real Estate Victims who have lost millions to get their money back as soon as possible. And I have very good reason to believe that Kevin Padrick of Obsidian Financial is Holding up the Process for Selfish Gain, Greed, and Mysterious Motives that are NOT good for my Real Estate Consumers...

I am the Real Estate Industry Whistleblower and I intend to figure out how Kevin Padrick got to be the Bankruptcy Court Appointed Trustee on the Summit Financial Case, who voted for him or influenced Kevin Padrick being in that position... ALL who stand to gain from Kevin Padrick being in this positions as well as all correspondence to renters, interfering with debts being paid, refusing settlements with some LLC's, and basically keeping the Real Estate Consumers money tied up while he makes $600 an hour and has 5 years to liquid Summit 1031's assets.. meanwhile what he is really doing is called "Billable Hours" - he is sucking money out of the estate and the Real Estate Consumers will likely see NOTHING.

These days Kevin Padrick and his Intellectual Property Guru Attorney David Aman are spending Consumer money trying to STOP a video of their presention to summit exchangers from being on the internet. Keven Padrick of Obsidian Finance and David Aman of Tonkon Torp want Summit 1031 part owner's daughter Stephanie Studebaker DeYoung to REMOVE this video, in fact they Demand it.. but I really that you Deserve to Know the Facts.

Here is a Link to Those Videos that Kevin Padrick Wants Shut Down.. the Question is Why?

Download Them to Your Computer.. you never know when Kevin Padrick will Strike Next against the real estate consumers, Against Disclosure.


Read Stephanie's Extremely Informative Blog Below and Make up your Own Mind of Who is Really holding up Creditors / Consumers money in the case of Summit 1031 Exchangers Bankruptcy.
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When Realtors Need to Lobby, To be involved in Legislation and Government affairs you know it is NOT a good thing, and that it is ONLY to Benefit Realtors, NAR, NMAR and Big Builders and Developers.

Realtors CLOUT, and Cartel Super Powers Can Only Be STOPPED, Demanded by you the Tax Paying Public and the Real Estate Consumers.

Who Represents Your Rights? NAR, Realtor is a Multi-Billion Dollar Company and when they stomp their feet, the get what they want. It is not about real estate consumers rights. NMAR could care less about real estate Consumers Rights - I can Prove it.

NMAR is not listening to Broker Owners who tell them of blatant fraud, NMAR is not listing to Real Estate Victims who come in and BEG for Help, I can Prove it.

Who will STOP - NMAR from running over tax paying citizens, real estate consumers? My Guess is No One. NAR - NMAR - MAR has pretty much taken over your Planning and Growth Policy, they can afford to fight, you don't have the money to fight them. And most of the time they push things through before you even know what is going on.

NAR, the National Association of Realtors, on ever level in every state and most towns have Paid Lobbyists and these NAR Cronies Lobby against the Real Estate Consumer and for the Benefits of Builders, Developers, and of Course to Ensure that Realtors keep their Paychecks.

This is wrong, immoral, and unethical on every level and No One Cares.

Northwest Montana is Rampant with Mortgage Fraud, Realtors Lying, Silent Fraud, Adverse Material Facts, Shoddy Construction and a HUGE number of foreclosures and what is that the Realtors are Lobbying for.. LOOK twice, it is not in YOUR BENEFIT.

And why does NO one hold the Realtors accountable for all the Foreclosures... A year before the Collapse Tom Burk of Coldwell Banker publicly comforted conusumer into thinking it is a good time to buy... and even suggested the Flathead Valley was Somehow Recession proof and he had to know better.. the news was everywhere.. and NOW Coldwell Banker is talking of not being around for long at LOCAL Company Meetings... Realtors mislead you on a National Scale as well and you KEEP TRUSTING THEM......
http://www.realtorsucks.com/2009/07/nar-president-on-cnbc-21108-nar-lied_02.html

Realtors Keep forcing your governing bodies to FORCE them into your lives when REALTORS offer no real service and I guarantee you USING a REALTOR offers you NO Real Protection in YOUR real estate transaction.

They lobby to keep banks out of Real Estate - They LIE about all the Reasons WHY... have you read their reasons why..

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John Sinrud is the new government affairs director for NMAR in Kalispell - Northwest Montana, land use regulations seems to be his Target... YOUR his Target, it is as if John Sinrud, and guys that take this local NAR association position around the US.. are Bounty Hunters.. and YOU are WHO THEY ARE hunting !!!

Now Keep in Mind Folks a Real Estate Broker does not Legally have to be a NAR Member, yet most can't seem to figure out how to sell real estate without big daddy NAR... so NAR is an association, it has members who pay to join, your listing gives their website content, they sell advertising. NAR makes money on every level of the Game.. An Association such as this should not have so much power over you land, your developments, your lake shores, your planning boards, your zoning, your historical buildings, banks in real estate and all that your local NAR association tries to influence and control.

Local Realtor Associations, around the world, have NO business pushing your local government around, using their money and member numbers to push land use regulations, growth policies, and more nonsense on the real taxpaying people who live and buy in the community. Get REALTOR, NAR out of your local, state and national government.. they are and always have been up to NO GOOD.

the National Association of Realtors NEEDS to Sit Down and SHUT UP.. how dare they even talk about your problems with foreclosure and the housing slump... NAR got you into this mess...
http://www.realtorsucks.com/2009/07/nar-president-on-cnbc-21108-nar-lied_02.html

Now the Realtors are making Niche Markets out of your Downfall.. you pay the Realtor on the Way up.. You pay the Realtor on the Way Down.. Sounds Like a Real Estate Mafai - a Real Estate Cartel to me.

My name is Crystal Cox, I am the Real Estate Industry Whistleblower. I am a Self Appointed Advocate for Real Estate Consumers otherwise known as Real Estate Victims. I am now read all over the United States and Canada and can hardly stomach the stories that come to me. What I have heard, read, and personally witnessed or experienced at the hands of NAR, the lack of Real Ethics and NO Realtor accountability what so ever is SHOCKING to me at ever level.

NMAR is my hometown, per say, where I first became a REALTOR, where I proudly took my oath .. where I proudly took my Ethics Vow seriously and where I first naively believed in the Standards of Practice and the "Higher Standards" of being a NAR member... I was so happy and proud to be a Realtor.. that was almost 10 years ago now.

Since then I have witnessed fraudulent MLS Data, Flat Out Fraud, MLS data changed, NMAR refuses to listen to complaints from Broker Owners and Consumers, NMAR lobbys and bullies on the WRONG side of the Moral compass. NMAR stand up for the Realtor with the most money and power over the TRUTH told by a non-franchise powerless Realtor as I was.. and over YOU the Real Estate Consumer.

A New "Realtor" PAID Lobbyist.. Yippeee.. Your in for Some more Real Estate Consumer Bashing, Clout Pushing, Agenda Setting and Good Ol' Fashion Cartel Action.. and not on your behalf.. Conflict of Interest??? YES.. YOURS .. but not theirs.. and they have more money and
"Super CLOUT" then you so just go home and hide under the covers.. Shhhh.. the NAR Lobbyist is Speaking.. you better do what they say..

If the Real Estate Consumer is Harmed, Mis-led, lied to and TOLD that Summit 1031 is holding their money hostage, and somehow robbing them blind but the Truth is that someone else is actually holding the money up, taking HUGE chunks or the money and creating a smoke screen, well then the Real Estate Victims in all this Deserve to know the Truth.



Stephanie Studebaker is on a mission to tell the Real Estate Victims the Truth, she is being an Industry Whistleblower and telling what is going on behind the scenes that is in FULL DISCLOSURE and that the Real Estate Consumers Deserve to Know.
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David Aman wants her to NOT tell you, the Real Estate Consumer the Truth about where your money and going and David Aman of Tonkon Torp working on Behalf of Kevin Padrick of Obsidian Financial ~ Why are they Fighting so Hard to Keep You, the Real Estate Consumer from knowing the Truth? David Aman is seemingly on a mission to Shut up Truth Telling that May help Real Estate Consumers to understand what is Really Going On.
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So if David Aman of Tonkon Torp FOR Kevin Padrick were to Succeed in shutting up the Industry Insider, the Industry Whistleblower Stephanie Studebaker - DeYoung then this successfully would Strip the Real Estate Consumers of their Rights to what is Really Going On.
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The Real Estate Consumers are the Real Victims here and I feel that they deserve to have ALL the INFORMATION available so they can fight this, get justice, get their money back, and to know who it is that is taking their money, holding their money hostage and holding up their justice and in that putting their very life on hold.
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I have been dealing with a lawyer, Kevin Padrick, who knowingly took advantage of a business, Summit Accommodators, Inc. dba Summit 1031 Exchange, that was having liquidity problems by selling himself and his companies, Obsidian Finance Group, LLC, services to them. He told them his company would help facilitate 1031 exchanges, fund the exchanges, and liquidate the assets for top dollar to earn their high hourly rates and 15% commission.

The shareholders of the company were not familiar with bankruptcy law because their company was not in danger of bankruptcy for the last 15 years. It was only when the real estate market collapsed that they found themselves with a liquidity problem. They couldn't get temporary loans, the could liquidate property, they couldn't get paid back on loans owed to them. However, when they declared bankruptcy, they still had $13.6 Million in the bank account.

Kevin Padrick, Senior Principal of Obsidian Finance Group, LLC, saw the cash in the bank and decided that a few million of the cash should be his. Instead of helping the debtor facilitate the exchanges and liquidate the assets, he and his company did nothing except stall and go to the other side (creditors' committee) with priviledged information (debtor's gave him) claiming he had done all the research and somehow convinced them to give him the job as Chief Restructuring Officer. Originally, this was a bankruptcy that was a debtor in possession with a Chief Restructuring Officer (CRO) in charge of the restructuring efforts.

Obsidian Finance was supposed to be working for the CRO. Obsidian Finance or Padrick did not communicate with the CRO or the debtors. Instead, they communicated with the creditors. All of a sudden, the Court said their needed to be a trustee and Kevin Padrick was appointed as bankruptcy or liquidating trustee.

The CRO had already figured out there was no Ponzi scheme and he was doing his job working with all the parties and liquidating properties. He approved $750K of sales before he was dismissed. Obsidian Finance & Kevin Padrick charged the bankruptcy estate $184K to get their Senior Principal the job of Bankruptcy Trustee.

Then simply by transferring the remaining cash (cash not distributed to creditors) OR $6 Million, Kevin Padrick charged the estate 3% or approximately $1/2 Milllion for a simple bank transfer & money in checking when he got the job. Then Kevin Padrick hired legal counsel, Tonkon Torp, to harass innocent people until they run out of money and energy and give up their interest in properties where they put their hard earned money in and have every right to still own that interest.

Tonkon Torp is charging the estate $270K of which most is for services that bring no benefit to the creditors, but hike up their hours and legal fees earned. The more time they waste, the more money they are able to charge. Total charges between these 3 entities is almost $1 Million in just 5 months. The only amount of money they have brought into the estate is $10K.

Pursuant to 11 U.S.C. Section 330 of the United States Chapter 11 bankruptcy code, (3) in determining the amount of reasonable compensation to be awarded to a Trustee or professional person, the Court shall consider the nature, the extent, and the value of such services, taking into account all relevant factors, including...

(A) time spent on such services (Who gets paid $184K to land a job)
(B) the rates charged for such services (Kevin Padrick's rate is $600/hour and all he does for the hourly rate is waste time, allege things without proof, and harass innocent people until they throw up their hands and give them their property)

(C) whether the services were necessary to the administration of, or beneficial at the time at when the service was rendered. (Who gets $164K to transfer money from one bank account to another???? The remaining is simply 3% of what was in the Summit 1031's bank account when Kevin Padrick took over the job as Trustee)

(D) whether the services were performed within a reasonable amount of time commensurate with the complexity, importance, and nature of the problem, issue, or task addressed (Kevin Padrick makes it look like it is more complex than it is, he does nothing to make things move quickly, he ignores and loses offers on properties ($900K worth so far), and he has caused the majority of the delays in this case)

(E) with respect to a professional person, whether the person is board certified (Kevin Padrick is an attorney so he does fit this part of the code)

(F) whether the compensation is reasonable based on the customary compensation charged by comparably skilled practitioners (The attorneys are trying to finish the 1031 exchanges and the estate is paying for their learning curve...The attorneys have charged $125K more than a Qualified Intermediary would charge for the same work)

(4) (A) The Court shall not allow compensation for...

(i) unnecessary duplication of services (I identified almost 200K is for duplication of services)
(ii) (I) services that are not reasonably likely to benefit the debtor's estate (Kevin Padrick knows this is not a Ponzi scheme and there was not any Embezzlement, but he is trying to use this to drum up claims against innocent third parties.

The fees that have been charged to go after innocent third parties is $111K. By the time everyone figures out there was no Ponzi Scheme or Embezzlement, Kevin Padrick will be $6Million dollars richer and on his way to benefit from someone else's misfortune. He has only netted the estate $3K, but has charged the estate almost $1Million.

Folks What is Happen in Flathead County Montana should Scare you all. Local Planning Staff seems to be being overthrown somehow. It seems to be under the disguise of the Rule of Law and the Voice of the people, but as someone who thinks the rule of law is not a bad thing, I don't think that is what is going on in Flathead County. With a County Attorney shutting down a website and things going from bad to worse in the name of the people and the supposed majority, I tell you ALL of Montana had better wake up on this one.

Knowledge is Power and you deserve all the fact. I am not claiming to have all the facts, I am simply encouraging you not LISTEN to ONE source, especially if it is the Lee Newspaper Chaing. Money affects news and the slant it is given to the public.

In Kalispell Montana, It seems that there is a whole lot going on behind the scenes that may not be in the Best Interest of the People, the Real Estate Consumer and the Quality of Life that the naysayers seem to be trying to protect.

If you are close to Growth Policy issues in Kalispell Montana, in Flathead County Montana I encourage you to email me at Crystal@CrystalCox.com and to Write on this Blog, Let's here your take on all this. We don't allow Comments on most of our blogs, our news by the People for the People Network due to the hatred out there and not enough time to monitor it. However if you would like to write our Blogs about what your seeing in your area, please email me.

In Kalispell Montana Something does not look right to me. I am not saying I know all of it, I certainly do not. But I can see enough playing out that I want you folks to Look Deeper and I want to bring more attention to all sides of this as it plays out. It is a big deal !!!

In the Big picture, in what Governs Montana, and what affects your future quality of life ~ what is happening with the Flathead County Planning Board, the Flathead County Attorneys Office and the Cartel pulling the strings behind the scenes WILL be at your door as soon as they are done in Kalispell. So pay attention now...

I am simply saying find out more before you make a decision on who to believe in all this. I don't know a whole lot, I admit it, but what I see with the County Attorney, the Clout, and the way this is playing out, I can see "Agendas", Games, and what looks to be a major political play that is a tad bit scary. And as the Self appointed Real Estate Industry Whistleblower, I can see a bullying, a throwing around of "Clout" that is NOT good for the Real Estate Consumer or the Tax paying Public... Look Deeper. Make Up your Own Mind.

My personal Opinion is that where George Culpepper Jr. is, in any way, there is a "Realtor" and a "Developer" agenda and you the Tax Paying Public, the Consumer .. YOU LOSE... and I Believe that the Public Should Look Twice at the Website Shutdown. Get ALL the Information You can and Stay Alert on This One.

Check out the 2 Links Below written by James Conner of the Flathead Memo and find out what is Really Going on in Flathead County, Northwest Montana and Make up your Own Mind from there. www.FlatheadMemo.com

Ok, almost a Decade as a Real Estate Agent and My Very First Audit. Hmmmm wonder where that came from. Could it be because I yap and yammer about the Board of Realty Regulations NEVER auditing? Could it be the Realtor of NMAR whining to big daddy? Could it be all those Realtors attacking me at active rain?

Could it be because I am telling the real estate consumer the TRUTH about the Realtors at www.RealEstateIndustryWhistleblower.com ?

Could it be because I own http://www.CharlesMcmillan.com/ which is the name of the NAR president, I own the site to prove a marketing point. Could it be because I own www.RealtorSucks.com and many other sites as an Advocate for the Real Estate Consumer?

Well You bet it Could be, don’t think for one minute that the National Association of Realtors does not control your State board of realty. NAR has billions of dollars and they use it against the Real Estate Consumer.

You Deserve the Truth, I am tell it and for the first time EVER I am being audited. I had 17 agents, I got my Brokers license after 10 months as an agent, yes I waited til' the one year mark, so what I got it.. and no Audit... no help.. no assistance... no advice from the Montana Board of Realty Regulations. Since then I have seen consumers go to them for help and their "hands are tied" - they cannot fight the Association of Realtors .. no way.. no how...

I have asked for help on issues that concern consumers and I get nothing, they do not even provide us with advice or forms.. we have to JOIN the association of Realtors to REALLY practice real estate and make a decent living. The State Realty Boards enable, side with, conspire with and do as NAR tells them to do, in MY OPINION.

the Big bad Board DOES Not look into Lying, Cheating, or Fraud. They do Not Checking MLS Data for accuracy who cares.. they leave that up to the Realtors.

The "Board" does nothing to advocate for REAL consumer protection in Real Estate.

When the Consumer Obviously, and Deliberately has been cheated and fraud and they come to the board for help, there really is NOT alot they can do to enforce the LAWS in the State of Montana. A Realtor lies to you and the Association of Realtor and the Board of Realty Regs is of no help .. you have to Get an Attorney and FIGHT.

But when the Realtors whine that a Now Non Realtor member is Telling on them and yapping and yammering well here comes the state real estate licensing board to see what they can do to help the association of Realtors out. Can’t really say that I did not expect this. The Thing is I truly wish that the "Board" was out to protect, serve and help the real estate consumer - the public that pays their wages.. but Honestly I do not believe that they are.

The State Governing Body has nothing to do with the MLS data, yet the accuracy of this data is what the entire financing industry is based on. The mortgage market industry, the collapse, that was all based in a foundation of real estate loans based on real estate equity built on Real Estate Data that was NOT and is Not policed for Quality Control of any kind.

Why is your State Governing Body not made to REALLY police the Real Estate industry?

Well probably because most real estate agents HAVE to be Realtors in order to participate in the game and the National Association of Realtors is left to do as they please in “policing” their own industry and they fail miserably.

Oh well, this failure pays Big Time.

And you’re the One Who Pays for it.. Find out more at

www.RealEstateIndustryWhistleblower.com

NMAR wants to Play Dirty, an Audit to Me.. Alrighty then The Truth has barely been told here… Stay Tuned for lots more stories on the Dirty Deeds of NMAR. Got a Story of how a Kalispell Realtor, a Northwest Montana Realtor has treated you. Have you Been Lied to? Has Fraud been committed to you? Did the Realtor lie and you LOSE…. Lets hear it Crystal@CrystalCox.com Time to Name Names, and EXPOSE the Truth. The Realtors are hurting you and you Have to TAKE it.. Even if they break the law. You the Real Estate Consumer cannot afford to make them pay, make them accountable and in my opinion NAR and your state governing body is of no real help to the Real Estate Consumer.

You Folks Want to knaw at my legs and yip at my heels. I will NOT back Down. The Real Estate Consumer Wants the TRUTH, they Deserve the Truth. Real Estate is Our LIFE, it is where we live, where we sleep and eat, where we love and raise our family, where we are sick, where we get well. Real Estate Transaction affect every single part of our life and the Real Estate Consumer Deserves Better then the National Association of Realtors is giving them. And NAR is forcing, enticing your governing bodies to get in there and assist the Realtor and forcing their way into your real estate transaction even though it causes more harm then good.


Coming Soon emails, marches to Washington, News letters, MAR attorney Lies, deliberate actions by NAR and MAR against the real estate consumer… and inside information on NMAR and the Dirty little Secrets of the Association of Realtors.

I have taken their abuse ENOUGH.

The Real Estate Consumer Deserves the Truth. And you nitpicking me, threatening me at every turn in the road is NOT right and is NOT going to STOP me from telling the Real Estate Consumer the TRUTH they Deserve. I am the Real Estate Industry Whistleblower and You Cannot Take My Experience, my Truth the way it happened to me. I saw what I saw and it is STILL happening today... there is no end in site to the harm Realtors do to the Real Estate Consumer and they seemingly have NO LIABILITY...

the Real Estate Consumer keeps coming back for more, they kind of have to. Yet NAR says that being a Realtor is not “Mandatory” BULL. Your State governing Body should, indeed, watch over the Association of Realtors at the State and Local Level but they do not, they are their for licensing purposes and to make sure you don’t break the laws in place by the state.

Oh wait that’s not true either, because when you tell them what a real estate broker - a Realtor has done to you as a Real Estate Consumer they tell you there is nothing they can do and they suggest a Real Estate Attorney. Then you spend all your money and then some fighting for what the Realtor told you, promised you that you were buying in the first place.

There is a serious gap in the State Regulating boards and what their responsibility is to the Real Estate Consumer. They DO not make Realtors follow the laws, they do not enforce the laws, but yet….

In My opinion the State Governing Body does the dirty work for NAR, they do what NAR wants because the do not have the Money or the Support to STOP THEM.
They say a Real Estate Agent is Not a Realtor, unless they are a NAR member. Yet the State Board Does the Dirty for the National Association of Realtors. If they do not than NAR is not happy and they will STOMP their feet and make some NOISE…

As a Real Estate Broker Owner which I still am to date, I do NOT feel that any governing body, licensing board, state law maker, judge, Association of Realtors, politician or any one else is out to or can really protect the Real Estate Consumer in the Current System of the Real Estate Industry. As it is REALTOR, the National Association of Realtors reigns king, and they are NOT fair, they are NOT just and they are NOT listening... not to the Broker Owners and not to The Real Estate Consumers....

oh maybe a Broker Owner in the Covated Conclomerate of Apollo Management, Realogy or Cendant whatever name they go by now.. known to you as ERA, Coldwell Banker, Century 21 and Sothebys...

www.RealEstateIndustryWhistleblower.com

My Name is Crystal L. Cox, I am a Real Estate Broker Owner. I can NOTHING from telling the Real Estate Consumer the Truth and stand to lose everything... I am the Real Estate Industry Whistleblower and this stufff REALLY did happen to me and to my real estate consumers... the Truth is the Truth no matter what the REALTORS try and do or say to SHUT me up... The Real Estate Consumer NOW has an Advocate whether they know they need it or not and I am NOT going AWAY.. so keep on coming, keep on tugging, keep on lying and whining to the board, to the association at all levels and to NAR... the TRUTH is the Truth...

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It is 2009, the Internet is in Full Swing, over 90% Real Estate Buyers are looking for Real Estate Online. Realtors are not giving you targeted internet marketing they are giving you the MLS and Realtor.com , this is in the best interest of the Realtor and the National Association of Realtors. You see if they can get you and your buyers to their website, they can sell them other stuff. Be it houses, mortgages, insurance, lawn chairs, books, furniture, investment companies, you name it. So getting your signature on the Line of the Listing means a whole lot more then just the Listing or the Commission your Local Realtor Gets.

Realtors pay dues to their Franchise (which offers NOTHING to protect you). Realtors pay dues to the National Association of Realtors, Realtors also pays NAR for supposed accreditations that means nothing to the real estate consumer. Realtors pay NAR to be on Realtor.com and to subscribe to all the Techno Gimiks the National Association of Realtors is selling this week. YOU, the Real Estate consumer end up really paying for all this.

So your Real Estate Listing means a whole lot to a whole lot of people, your listing is supporting much more then just the Commission to your Realtor and that Money is Yours. Oftentimes people are talked down to, treated bad and pushed around by their Realtor at the same time as they are Giving them their Hard earned Equity.

The National Association of Realtors keeps up the Image, the Ads, the New Billboards to Ensure that you think you need them and that you think by using a Realtor that you are somehow more protected in your real estate transaction, but this is not true. It is Propaganda and a Flat Out Lie.

With the Power of the Internet you Do NOT need a Realtor to Sell your Real Estate. Don’t Be afraid, we don’t do anything really anyway. The title company closes the deal, their attorney looks it over. With or without a Realtor you need to make sure that you are protected in your real estate transaction. You need to look at all paperwork, make sure you understand and change the things in your paperwork that you don’t like, you are a party to the contract and can change anything. No one can protect you as well as you can.

Realtor Forms are geared toward protecting the Realtor, don’t sign them unless you fill in every blank, change what you don’t like or don’t understand. You can close a “Deal” with a sentence or two on a napkin. The title company closes some pretty SHOCKING stuff. Why the Realtors have all those pages is to Protect them and NOT to protect you so Don’t Use a Realtor, Sell without a Realtor.

Crystal L. Cox
Broker Owner
Real Estate Whistleblower

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This was a Search Term on One of My Real Estate Sites today and I just want to say that in the Real World MAR, the Montana Association of Realtors SHOULD have nothing to do with a Real Estate Broker being able to Lose their Real Estate License.

Being a Realtor, a member of the National Association of Realtors should have nothing to do with State Laws that Govern your Real Estate License. Though the National Association of Realtors has really Big money and they push their Political Clout and Political agenda on the state governing bodies, they have no legal or ethical right to do so.

The MAR has nothing to do with someone losing their real estate license, this is the legal truth of it. However, Realtors control more then the public, the Real Estate Consumer and even a lot of Realtors know about. So who knows what really happens.

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I mean they may exist in theory but Realtors are NOT held accountable for the Ethics or really the Laws that they Break, there are a whole lot of loopholes with the laws and the local association of Realtors turns a blind eye to Realtor Ethics accountability. And they ignore situations where Realtors Lie to consumers. Kalispell Real Estate Consumers go to the Local Association of Realtors and they are turned away. Montana Real Estate Consumers Reach out to MAR, the Montana Association of Realtors and they are told there is nothing that they can do.

So if your out there searching "mar realtor ethics loose license" - this is ridiculous. MAR does not govern licensing it is a supposedly volunteer membership and they cannot take away a license - they can only remove you from "Realtor" status and that is highly unlikely.

Ethics are Not Law and have Nothing to do with a Realtor losing their license.
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The Northwest Montana Association of Realtors was telling you to Buy - Buy as the market was obviously crashing down around you. Some of the Biggest Real Estate Brokers in Kalispell Montana told you on the Flathead Beacon Blog that the Kalispell Real Estate Market was somehow insulated or safe.

NMAR has misled you and who cares, they still get a pay check. And now that your in foreclosure all over Northwest Montana the Realtors are making money from short sells, and some are even buying the foreclosed properties to resell themselves. There is no motive for the Realtors to give you good advice. There is no accountability and Realtors are self governed so whoops - You Lose.
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NMAR blatantly stands up for Realtors who flat out lie to consumers. Recently there was an incident where an unsuspecting buyer bought lake accessed property from Tom Burk of Coldwell Banker in Kalispell Montana and when they found out that they did not “really” have lake access and that it was revoked 10 years ago, all Tom of Coldwell Banker Kalispell could say was this matter is over.

He admitted to the “clerical error” but it was left at that. Now this Kalispell Real Estate Consumer is left with a property that is worth hundreds of thousands of dollars less. So they got mad and they called Kathy Schulte the director of NMAR, and she said there was nothing she could do.

This is One, just one of many - many ways that NMAR hurts the Kalispell Real Estate Consumer.

NMAR stands up for their favorite, well connected Realtor and it does not matter how much damage that Realtor does to the Real Estate Consumer.

George Culpepper’s spot on the Flathead Valley Planning Board is a complete conflict of interest and it is a big message to the Real Estate Consumer that you are not who the Realtors are working for.

Don Hines questioning George Culpepper’s spot on the board in the below listed Flathead Beacon article is VERY accurate, he has every right to question this. George Culpepper was paid by the Northwest Montana Association of Realtors ( and still has ties) and the Flathead Building Association and they are not on the planning board to influence what is of the best interest of the Kalispell Real Estate Consumer.

Some say that one voice on the board is not that big of a deal. Anyone saying that severely underestimates the power of the Realtors.

Don Hines seems to have been ignored about this issue, the thing is you can’t mess with the Realtors, they own your town. They make and influence more decisions then they will ever admit to.

Culpepper needs to be Removed immediately, but guess what the people, the tax paying public, they don’t really get a say on matters that actually affect them.

Laws are geared toward protecting Realtors and Not the Real Estate Consumer, so expect no help there.

Culpepper says: “I’m serving as a private citizen and that’s my right. And those people who are trying to take that civil right, I will fight them tooth and nail and go to the Supreme Court if I have to.” This is so funny, in the Montana Supreme court system he will most like win. The Realtors trample over your rights and No One can Stop them. Big Money Wins.

This little Hissy Fit does not change the fact that him being on the Planning Board is a Conflict of interest regardless of whether the Law says so or not.
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He is Not serving as a private citizen, he has the best interest of the Realtors and the Developers in mind and not the Real Estate Consumer. He is going to fight you tooth and nail, what a joke.
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Folks, find out the truth about George Culpepper, start a blog and tell your story. If you believe that George Culpepper is acting as a private citizen and has your best interest in mind I have a bridge to sell you.
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The Montana Supreme Court Comment, tooth and nail, he sounds like a temper tantrum 4 year old.
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Culpepper is even crying discrimination, this is so full of it.. He is there on behalf of the Realtors, on behalf of development and big business and he is Against the Real Estate consumer.
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He is there to Discriminate against your rights as tax paying citizens in Flathead County and whatever he suggests, the huge money, attorney power and lobby power of the Realtors, NMAR and the Developers will be behind him. You Lose Real Estate Consumer. That is the Job of the Association of Realtors.

And yes of Course State Law Backs him up. State law in Montana always backs up the bad guy. Did you know that in the State of Montana by law, your not a victim until a Montana Court says you are. No matter how you look at it or who Culpepper works for now, he is not working for the Real Estate Consumer.
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How odd is it that he is on the planning board, the county planning board yet is associated with companies that want to sue the planning board. Things that make you go hmmmm….Yes you folks need to “suck up” and do what Culpepper says. He sounds so childish saying to suck up and respect the commissioners appointment. Those of you missing the Obvious Red Flags on this Issue, will be sorry later.

All of the Banks and Businesses involved in backing Culpeper should be boycotted for violating public trust. Culpepper does not represent the people, and if the commissioners appointed him then you folks in the Kalispell Real Estate Market need to have a talk with your County Commissioners on where their loyalties lay. Obviously they are more loyal to Big Business then to those taxpaying citizens who voted them in. The Northwest Montana Association of Realtors, NMAR got him to this point.

The Realtors have more money, they work with developers who have lots of money and they are not working in the Best Interest of the People in the Kalispell Real Estate Market.
Boycott NMAR, Stop Using Realtors. Use the Internet to Find Buyers. If you, the tax paying citizens of the Flathead Valley want to get Culpepper off of the Planning Board then do it, Stand up for Yourself Kalispell.
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If the Seller Pays for the Title Insurance are you, the Real Estate Buyer somehow less protected? Well if they or their Realtor chooses for you there is a big chance that you may not be protected in ways that you, the Real Estate buyer assumes that you are.


Does the Realtor you are using have to legally disclose ANY connections or percentage of ownership between them and the Title Company that they are using to Close their real estate transaction?

If your Realtor is a Franchise, then odds are someone in their Corporate Head owns a piece of a Title Company, just my opinion.

Here are some of the Highlights on Charles McMillan's agenda.

The Association of Realtors will STOP at nothing to keep Realtors in Business. I don't believe that the Assocation should get to have so much say and political power. They tell me not to use "Realtor" in place of Real Estate Agent or it is a Trademark Violation, though everyone says Realtor, yet it is the Realtors, the member of the NAR and those at the top that push their agenda on the goverment, and on committees.. NOT to protect you the Real Estate Consumer but instead to make sure that Realtors stay "Realtors" Even though there really is NOT one good reason to use a Realtor in your Real Estate transaction.

Charles McMillan Says "I also will be meeting with officials at the Federal Housing Finance Agency and Fannie Mae to get to the bottom of the additional fees they are charging lenders."

Who is the National Association of Realtors that they get to have this kind of meeting and push the Realtor Agenda on the Real Estate Consumer by attacking at the Top Levels. The Realtors are Not OUT to protect you the Real Estate Consumer, they are out to make sure that Realtors stay in Business. Realtors should not get to have their opinion's heard at "official" meetings of the Federal Housing Finance Agency and Fannie Mae. The Realtors are part of what got them in the Mess they are in and the Realtors are looking to do it all over again.

Who is Your Voice at these "Meetings" I guarantee you it is NOT the Realtors, or their new President Charles McMillan. You, the Real Estate Consumers who are directly affected, You have NO representation on any level of Real Estate from Washington D.C. to your hometown Realtor - to the E and O insurance companies to those who supposedly watchdog mortgage fraud and even the Real Estate Attorney.. no one has your Back. But they all make money off of your hard work.

The Realtors have Double Standards, they have laws that protect them from Frivolous Claims that the Real Estate Consumers make, which really means the Realtor can Legally LIE and fail to disclose. the Good Realtors don't stand a chance in the current system of NO real Checks and Balances.

Check out the Link Below to READ This Puffery and this Hype that is encouraging Realtors to keep on doing what they are doing. NAR will fight as hard as they can in Washington D.C. - no matter what kind of money and time it takes.

I had these comments in an early post, they belong in their own Post. Call it defamation if it makes you feel better, but this is True For Me, this is My Experience with Paul Wachholz.

In 2000 I passed my One Week of Real Estate School and was looking for a Broker to Hire me. I called Paul Wachholz, he interviewed me on the phone and said he would like me to work for him. He "hired" me on the Phone, it was a "done deal".

When I went to Kalispell Coldwell Banker and met with Paul Wachholz, I went into his office with him alone. I was very excited about starting real estate and ready to get started learning the Real Estate Industry. As I said I was Already "hired". I was to be an Independent Contractor with Paul Wachholz as my Broker. I did not go to Coldwell Banker Kalispell for an Interview, I went to sign my paperwork. There was not a doubt in my mind as to whether I would work their - it had already all been worked out.

Once behind closed doors, he asked me several personal questions, One of Which what was my home phone ( and not for the paperwork ) and the name of my boyfriend, what sports I played in high school and from their he made sexual innuendo's.

I did not respond the way he thought I should to the questions he asked so he told me he had to think about whether he would hire me. I was a bit shocked when before I had "not acknowledged" his sexual comments I had been hired. But because of my total disregard for playing the flirting game I was no longer a canditate to be "mentored" by Mr. Paul Wachholz.

So I simply went away and on to my Real Estate Career. After awhile and after hearing several stories from other woman on how Paul Wachholz behaved toward them, I decided to write Paul Wachholz a later and ask for an apology. My Motive was to STOP him from doing this to other woman, to stand up for my rights and to speak out for those Paul Wachholz had done this to.

The headlines Read the Bubble has BURST - The Nightly news talks of 30 percent housing prices dropping in some areas. And they say the prices will keep falling until at least next summer. The houses really hit are the over built areas, houses in subdivisions and next to each other. Some folks have money and the loans will now be VERY cheap. So there are still buyers. And in recreational area, where homes are on over 5 acres with views - water - and such, it is my opinion that buyers are still buying at quite high prices. Homes on small acreage are not doing so well.

All the While Big Companies such as Coldwell Banker in My area were assuring the public that all was well. Those who should have known all this was coming and stood idle. The Realtors knew what was really going on and did nothing to Watchdog, to Lobby to Fight to Change it, they wanted the Gravy Train to keep on coming their way.

The SHOCK of all this is the Real Estate Consumers that are losing and have lost their homes are the ones hurt by this, obviously. However, the Lenders that got them into this are Getting their Government Bailout. The Mortgage Brokers are still getting those loans out and making plenty of money doing whatever it takes to close the deal. The Realtor on the Nightly News (yes they called this gal a Realtor.. even though NAR says I cannot say that someone is a Realtor.. I have to say they are a Real Estate Agent that is a Member of the NAR.. blah blah... You cannot Use Realtor as a Synonym for Real Estate Agent.. though EVERYONE does.. NAR calls it a trademark violation and it is bad.. but only for a few of us...) and way the Realtor said it is VERY busy for her, buyers are looking - and some are buying because Yes indeed it is a Buyers market, so those who do have money and the ability to get loans will swoop in and get properties for very CHEAP. Most will use a Realtor and a Mortgage Broker, who will in turn use an appraiser and those Lenders that got their bailout will begin loaning again.

NAR is making plenty of money advertising foreclosures, fighting to get mortgages flowing, starting a NEW Realtor Credit Union and forcing development even when there is so much already that houses are standing empty.

Yes Buyers had a choice to get into those loans, but Buyers really believe that the "Value" was there. The Realtor - Mortgage Broker - Appraiser and Lender all assured the Real Estate Buyer that it was the True Value of the Home. The Lender knew that they were giving loans that were more then the home was worth. They actually knew that the Realtor - Mortagage - Broker and appraiser had created values that were to high, they actually said that if it is 10% above the real value then that is ok.

So if they knew of at least 10% in the price increase then there was a whole more percentage that was "fudged" behind the scene to get the value up. And where did the 10% rule end, it didn't end so at random prices increased higher and higher Falsely. Each 10% led to another and the values kept rising but it was not making economical sense. People sensed that something was not quite right but hey the Realtors say it is Ok, and the lender will give me the money so it must be ok.

So Those who got the Real Estate Consumer into this will still keep making money from it. The Foreclosure Companies list with in house franchises or affiliated franchises so those Big Companies, most who are owned by Realogy-Apollo Management.. they get to keep making Huge Money.. Billions but what do they do with this money, well I THINK they hide it.. because they too seem to be getting in on the Bailout Game with the Hand Out for Help.. the Let's take the Real Estate Consumer's Money and Go Bankrupt... Search the News folks.. this stuff is true.. and what I say about the 10% thing.. that is True.. I have seen False Prices, forced closings.. and things like Sellers Contributions were a Flat Out Crime in my opinion...

I mean a house is valued at say $200,000, and the buyer has no down payment, a seasonal job, and the lender requires at least 5% as a Down Payment. The Buyer has NO money, so they talk the Seller into, or shall I say the Mortage Broker directly talks the Seller into or has the Realtor talk the Seller into raising the price to include the furniture so the Buyer will not have that expense, maybe even raise the price and throw in a car.. and certainly raise the price so that their will be that 5% down payment the buyer needs so the Lender will give them the loan, that 5% or more that the buyer simply does not have - but hey the Mortgage Broker and the Realtor promised a miracle and they will pull it off.

So get the Buyer the Loan QUICK while they have a job, no big deal later when the job ends.. or situations where buyers get into loans with the current job to buy elsewhere - knowing that they are moving and quitting that job, and the mortgage broker tells them that this is the only way to get it through.. and Of Course that is the Whole Point Right.. Just Close the Deal.

So the price raises, and as this happens over and over and years roll by, the Value Rises but it is not real with the Economy it is a Made up Value based on the Games that Happen behind the closed doors of the real estate transaction. And what will stop all this from happening all over again.. nothing really. People will come in and buy those foreclosures and re-sell it to the consumers who lost before, some that buy now will even finance it to those consumers for a high interest rate, and those who lost their homes before will have no choice, if they want to own.

Things like this happen every single day.. where does it end.. no where.. when things collapse it just finds another way.. the only hope you have to Protect your Family and your Assets is to Know More about all of this.. don't trust the Realtor.. folks they may be the nices - honest person but they also simply may not know enough to protect you, they cannot protect you from the lies of those on the other side of the transaction, they simply can not do what you, the Real Estate Consumer think they can...

Those who Created - Allowed - Encourage the Problems that the Real Estate Consumer is NOW facing are the very ones who will now again benefit from the opposite side of the coin. Except for those Realtors who don't get internet marketing or don't work for the Big Franchise who gets to list and sell all the foreclosures they helped to create.

www.SavvyBroker.com

Believe What You Want to Or What You Need to.
Just Know that there is so much more to this
Real Estate Game then You may possibly EVER Imagine..

Watch your Back ~ No One Else is..