Defining "Intent"

In multiple (possibly hundreds) of instances, Casey Serin has told the world a novel's worth of fiction about his intentions: He never intended to commit mortgage fraud; he never intended to force his banks into repossession; he intended to repay "every dirty penny" of the borrowed monies.

I've thought all along that this was a load of hooey, and Casey Serin's latest, repeated comments about exploring bankruptcy protection (ha!) prove that his actual intent is to get away as unscathed as possible from the financial trainwreck that he and his wife Galina Serin created.

I don't know how I missed this article, but 'lawnmower man' over at ExUrbanNation deserves major credit for bringing it to the forum's attention.

In January of this year, C. Robert Simpson wrote a fantastic article called "Truth or Consequence" in the Scotsman Guide. It is an incredibly insightful piece on mortgage brokers' role in the subprime lending meltdown, and I found myself nearly breaking my neck by nodding so vigorously in agreement.

I have been arguing with friends and family members for several months now that mortgage brokers should be held accountable (with buyers, of course) for non-performing, no-documentation subprime loans. The reason is that they are charged with vetting a potential borrower on behalf of the financial institution.

The bank trusts that when mortgage brokers approve a borrower as a good risk that he or she actually is. Did any of these greedy bastards ever think about why subprimes often paid a heftier commission? Because finding performing borrowers in this category is tough. Any asshole can give a loan to a crackhead, so to speak. Simpson agrees (although in a less profane tone, of course), saying:

Some months ago, I attended a loan-originator luncheon, where a speaker from the
FBI gave a presentation about the latest mortgage frauds and prosecutions. The
agent said that if a stated-income loan shows an income of $10,000 per month and
the borrower's actual income is much less than that -- say, $5,000 per month --
then it is fraud, and the FBI would prosecute it as such.

The loan originators were incredulous. One broker stood up to say, "But lenders created stated loans so we could state whatever income would get the borrowers the
loan."

If I read his facial expression correctly, the FBI agent couldn't believe what he had just heard. There ensued a lively give-and-take between the agent and the loan originators regarding the intent of stated loans.

Simpson included Casey Serin in his article, and there is a very telling bit in it that should keep Casey and Galina Serin up at night with cold sweats of fear. Because it's such a huge fucking smoking gun that you can almost hear the prison doors clang as you read the article.

Of Casey and Galina Serin's eight properties, Simpson states:

On six of the properties, he received cash back at closing. The largest check he
received was for $50,000. The cash was paid to a bogus company,
controlled by a third party. It was then funneled back to Serin. In all other escrows, cash was paid to the seller, then back to Serin after closing.

Wh..wha...WHATTHEFUCK?!?! This certainly clarifies the "INTENT" question. Holy shit, we've got shell corporations, an undisclosed third party....Look here, little Casey Serin--this goes way beyond "I didn't know it was wrong," which is something you've always claimed.

This demonstrates some serious intent to defraud. And since there are already hundreds of thousands of people in America who are calling for Casey Serin's head, there's just no way that the proper authorities can (or should) overlook his theiving ass. Same goes for his wife Galina Serin.

If you have joined the ranks of the people who are fed up with Casey Serin and Galina Serin still being allowed to walk the streets as free people, feel free to contact the following folks to express your displeasure.

You can report mortage fraud via the following:

FANNIE MAE
1-800-732-6643
mortgagefraud_tips@fanniemae.com

FBI
FBI Online Tip Form
Sacramento Field Office (916) 481-9110

SACRAMENTO COUNTY DISTRICT ATTORNEY
Real Estate Fraud Unit (916) 874-9045
Special Investigations Division (916) 874-5897

Casey Serin's Ridiculous "Live Chat"

Okay, so after a visit over to Rob Dawg at http://exurbannation.blogspot.com, I read some speculation that lazy ass Galina Serin has finally quit school and gotten a job. So with that, I decided to actually listen to Casey's idiotic podcast or whatever he's calling it.

Truth be told, it was either this or that hellacious Pussycat Dolls show. I'm one of those 'young entrepreneurs' who doesn't believe in paying eighty bucks a month for cable. (I also brew my own coffee, mix my own smoothies and can offer a veritable wealth of other such money-saving ideas. Hell! I should write a book about that, rent out hotel ballrooms and charge assloads of money to tell the lemmings about my gloriously simplified lifestyle!)

I mention that because, what a precious counterpoint to Casey Serin, who has just said that "life wouldn't be worth living" if he can't go to Starbucks. What a whinging little cunt.

This whole fiasco podcast had already started by the time TalkShoe finally decided that 1,000 fucking questions in my (fake) registration was enough. But the first revelation is that the Dallas house, the only property that Casey put any money into (cash back from another deal, of course) was most likely a jacked-up appraisal!

I'm not entirely surprised by this, but fucktard actually came out and said that the appraiser put the number at FUTURE value, valuing it as if the house stood AFTER Casey had done some remodeling flipper magic to it. I'm going to need someone from Texas to chime in here, but I'm going to stick my neck out here and assume that's NOT legal.

And if it is, I'm going to buy a duplex in Texas and tell the bank that I plan to put a 40-story condo building on it.

Secondly, Casey admits that he has income. NOTE TO CASEY SERIN CREDITORS: CASEY SERIN IS CLAIMING TO HAVE INCOME. I've been speculating all along that his "hardship" letters to the banks where he claimed to have no income was another bullshit fraud.

Like the weasly little fuck that he is, he can't even commit to making ONE fucking payment to Cash Call. According to the sleuths over at ExUrbanNation, he's apparantly taken out additional loans in his wife Galina and his father Aleksey's names as well.

He goes on to say that someone currently owes him $5,000. There's a veeery long pause after he let that one go. He won't say what that might be for, and starts to get a bit stumbly as he wishes that moment never happened.

As for Galina's job, it's another hoax. Casey is looking to "bring her on board" and she's cooking his books, oops, "overseeing his financials" in preparation for tax season. Why won't they just die already?!?

Casey actually sounds surprised when several callers are explainig to him that, regardless of how much he claims to owe, that he owes on everything he's signed off on. And he's really surprised that people think he's a fucktard for doing things like going on vacations, going out to eat every week, going to Starbucks and Jamba Juice.

Now he's droning on about how he has some sort of dodgy ass money partner and they are continuing to shop for real estate deals in Utah. Money partner is adamant about not being named...no shit. Together, they are working on "helping" others with their deals. CAN ANYONE SAY RICO ?!?!!?

Suze Orman is going to be the next so-called money guru who goes down in the flames with Rober Kiyosaki. She's going to allow fucktard to be on her show. But apparantly she doesn't want Casey cooties...she's only allowing him to be a call-in, not an actual guest.

Closing things up, Casey wants to jump the shark and talks about his new business idea of turning his dumbass site into an actual resource for people going through foreclosure. WHY?!?! What could be possibly offer to people in foreclosure?!?! He's the poster boy for doing abso-fucking-lutely everything wrong.

Fuck, I need a drink.

Ooooh...I went to go close the talkshoe pages out, and WTF, Casey's back. Guess he juiced up his prepaid cell with some more minutes!

Someone right now is giving Sercasey a ration of shit over buying eight houses at once, and for not putting any sweat equity of his own into them. He is apparantly, and I quote, "too busy with other things" to do that.

I think Casey Serin just shit himself a little when his next caller was "Walt CashCall". For a second Sercasey actually freezes, no doubt with his finger on the button, waiting for Walt to come through the phone and demand a Cash Call repayment.

Now we're on to an actual topic...confirmation that Galina quit school. According to Casey "not because we couldn't afford it" WHAT?!?! You can't afford to BREATHE right now. Will she get a refund on tuition? No, and it hasn't even occurred to them to ask.

Apparantly, according to Casey Serin, getting highlights is something you "just have to do", particularly when you "want to change your appearance." Good to know, for the law enforcement folks.

Next up, Casey is justifying not paying his debts because he's better off taking that money and doing something that makes money. Just what the holy hell might that be? OMG...now he's a "75% success".......at taking out the trash for sister-in-law Yulia.

Fuck, we're on wheatgrass now. You know, this has to be said--for those of you who have pets, you know when you're standing in line at PetSmart or whatever and those endcap displays are sitting there full of "pet grass"??? THAT'S WHEATGRASS. I pick up a tray of it every couple of weeks at the farmers market for the cat. And I pretty much avoid sharing foodstuffs with the cat.

Casey is surprised by the level of hate out there. Caller is correcting him on the difference between "critics" and "haters". Good for her. He's getting defensive about his work ethic and saying that he is apparantly making money by doing "consulting work." ONCE AGAIN--TO CASEY SERIN'S CREDITORS: CASEY SERIN IS MAKING MONEY. Doesn't it fucking suck that he won't even send you ten bucks?!?!?!

Casey Serin is completely missing the point that most people who start their own companies do that with income they glean from a full-time job. He's "considering" getting a job, but first and foremost is looking to "stay flexible."

Oh FUCK...He's justifying buying at the top of the market, and saying that it's possible to make money in a down market. Sure it is....if you FUCKING KNOW WHAT YOU'RE DOING!!!

According to Casey Serin, the idea that he's stressed out right now is enough repayment to both his creditors and society. He doesn't think he should go to jail, doesn't think he should repay his creditors. He's planning on filing bankruptcy to get out of the remainig debt.

He's really fucking frustrated with this caller because she's pointing out that other people in the same situation are living on the cheap. He seriously think it's some kind of myth that someone could live off of Top Ramen for six months.

Let me say this again....Casey Serin thinks that because he's experiencing a little grown-up life stress right now that this is the only reparation he needs to make.

I'm not even remotely surprised that this is his attitude. Nor am I surprised that he just hung up on that caller because she was getting under his skin. Cut and run, Casey Serin....it's what you do, isn't it?

As a postscript to all of this, I should tell you all that MUCH hilarity ensued over at ExUrbanNation while this chat was going off. Rob Dawg's traffic went through the roof, thanks to the awesome collection of cynics he's amassed over there. Rob, congrats on turning over 120,000 on the odometer over there!!!

I was straddling this blog and his site, going back and forth making snarky comments on both. I have to say, I really like the EN folks. They're fucking good people, smart as hell, and really, really funny.

It's a bit sad to admit that tonight was the most fun I've had in weeks, thanks largely to "T" and her incredible Casey Serin manipulation. She handled him like a pro, and when he couldn't take it anymore, he hung up on her. I forgot to mention earlier that T was just getting around to pressing him on his good Christian values, and wouldn't that be enough of a basis to man-up and pay his debts?

That really fucking freaked Casey out. T, my hat goes off. To manipulate such a manipulator gives me a great deal of respect for you, tinged with a healthy dose of fear. And I'm pretty sure that's just how it should be!

Casey Serin, Foreclosed and Exposed

Attention-whore Casey Serin has lived his life on the internet. That much is clear from the backlog of information available about him online. While he has tried to erase his past, others are taking a great deal of pleasure in preserving sercasey's electronic trail.

One of Casey Serin's numerous old blogs has been recently preserved for posterity (and I'm sure for the creditors and authorities as well). Prince Casey was in the midst of his 'sweet deals' at that point, happily ripping off lenders with his felonious cash-back schemes. Casey's old blogs reveal the same Casey Serin that so many of us now love to hate...slothful, arrogant, unable to plan, unable to make decisions, easily overwhelmed.

One of my favorite lines is this one: Another thing is that I should be careful not to reveal too much stuff about other people because they may get offended. Maybe not even use their last names. Hmmm... its a dilema. If I start censoring too much I will get away from my purpose which is a brain dump, just how it is. But I still really want it to be public. I don't know exactly why. Part of my just wants to be open and transparent with no regard for other people's feelings about it.

Sound familiar? With that spirit of cooperation, I'd like to offer up the full Serin clan and known associates. After all, Casey would want it that way.

Galina Serin, maiden name Galina Suprun, also known as "Casey's wife." She and Casey live with her sister, Yulia Suprun at Yulia's place in West Sacramento. Unlike Galina, Yulia actually does work, and that's how she's able to keep a roof over her deadbeat sister and brother-in-law's heads. Here are some pictures of Galina Suprun:

Galina looking cross-eyed. I wonder if that's Yulia?

Picture of Galina Serin having 'nothing' to do with Casey Serin's shady business deals...Oh wait...she cooked did the BOOKS.

Margarita Serin, Casey's 21-year old sister. To paraphrase Margarita Serin, 'Jesus loves the Serin family this I know, 'cuz my brother's not a prison ho.' No really, Margarita Serin loves her some Jesus. She likes to talk about that. A lot.

There's that Serin nose.

Margarite says: If I am distressed and sad about a few of my faithless friends, when how much more does Jesus grieves for the whole world?! I don't even know how He does it! And who am I to judge people so quickly? Some peoples sin is seen, most people's sin is hidden. So for me to look at someone who smokes and think that they are a horrible sinner not even worth talking to is wrong and sinful!

Wow...what an arrogant little cunt....someone who smokes a cigarette is so sinful that she can't even be bothered to speak to that person, yet her brother is a multi-state felon?!?!?! She must be one of those "Good Christians" I keep hearing so much about. Seems this Serin rationalization thing runs deep.

Here's Margarita with the other Serin sister. Margarita mentions that daddy Serin drops a lot of American coin for this little one to twirl around on the ice.

Speaking of the Serin family, here are some photos of them. Dad Aleksey Serin and the vagina fruit in all their hypocritical Christian glory:

Now this one I would have missed without the awesome post from Trent over at http://Exurbannation.blogspot.com, where Rob Dawg rocks the Casey Serin hater forum. Here's a picture of Casey Serin in some early glory, doing some white-boy breakdance move. (Note too that all of these kids are shoeless. I can only imagine that the girls are practicing for the lifetime of 'barefoot and pregnant' ahead of them.)

But this photo is significant. Look at the guy in the first row, far left, flashing some bizarro fake gangsta sign. Now look at this:

Whooohoooo! Whaddya know? Casey's friend has been a "Full Spectrum" Home Loan Consultant for Countrywide in Folsom since June 2006. That's interesting, because some of Casey Serin's fraudulent money came from Countrywide. Hmmmmm.....guess that's what the little fucktard himself would call a "sweet deal!"

Casey Serin's friend David Welch is another one who considers himself to be quite full of ye olde religious ferver. His headline states that "For if I am not part of the Solution... I am injustice!" Well, David, you're either the most deluded co-conspirator yet, or you are cooperating with both your employer and the authorities to see that justice truly is served.

Another interesting tidbit from Casey Serin's old blog is mention of a Peter Peychev. Casey mentions that he's going over to speak to him about real estate. Apparantly Peter Peychev is some sort of American liaison for real estate deals in Bulgaria.

So, if you're interested in that kind of thing, contact Casey so he can get one of those sweet referral fees. Oh wait, that's right...paying a commission or referral fee to someone without a real estate license in California is also illegal. Jesus, the number of legal pads that are going to be used to sort out the various charges.

Since Casey Serin obviously has no problem with how his activities affect others, and how his narcissism brings them into the fold, I am sure that he will have no problem with all of this. Hell, the little fuckwit will probably relish the added attention.