bamboozledFor nearly 20 years, in particular, the last 10 years, the courts, foreclosure defense attorneys, homeowners and politicians have been bamboozled by the blur and use of “MERS” – the service mark for the MERS® eRegistry system owned and operated now by MERSCORP Holdings, Inc.

“MERS” first became the acronym, an abbreviation for the first Mortgage Electronic Registration Systems, Inc., in 1995. This corporation was registered in Delaware on October 16, 1995. In 1997 Mortgage Electronic Registration Systems, Inc. registered “MERS” as the service mark with the United States Patent and Trademark Office (USPTO) for its mortgage loan eRegistry system. This original MERS corporation has long since been eaten up by other entities created by its executives and board of directors to replace it over the past 18 years. Bottom-line: The original Mortgage Electronic Registration Systems, Inc. is dead and it died in 1998… RIP

It would be naive to think that the MERS Blur© is not intentional especially when all of the documents and filings are reviewed in order as will be provided herein… whewwww!

Attorneys and judges seem to have the biggest mental block distinguishing the “separate and distinct” corporate entities of MERS. Dissecting the paperwork is intense, however, once you nail it – it becomes obvious that there were a lot of mergers and name changes to protect the corporations’ actual intentions – skirt the “safe harbors” of UETA – and they actually say so.

MERS HISTORY CHART USTPOThe mergers, name changes and filings are in chronological order with links to the documents that you may also find in the USPTO and the State of Delaware:

  1. Mortgage Electronic Registration Systems, Inc. was originally incorporated in the state of Delaware on October 16, 1995. [Click HERE for Exhibit “A”]
  2. On July 29, 1997, Mortgage Electronic Registration Systems, Inc. registers the Service Mark “MERS” with the United States Patent and Trademark Office (“USPTO”).    [Click HERE for Exhibit “B”] ¹
  3. On June 30, 1998, Mortgage Electronic Registration Systems, Inc. (1) created another company named NEW MERS, Inc. (“NEW MERS”); (2) merged it with Mortgage Electronic Registration Systems, Inc.; (3) made NEW MERS the surviving company; and (4) renamed NEW MERS to Mortgage Electronic Registration Systems, Inc. However, the corporation did not file the changes with the USPTO until April 9, 2003. [Click HERE for Exhibit “C”]
  4. On December 30, 1998, NEW MERS, now known again as Mortgage Electronic Registration Systems, Inc., files a Certificate of Amendment with the state of Delaware to once again change its name – this time to MERSCORP, Inc.  The resolution certificate was signed by William C. Hultman as Vice-President of Mortgage Electronic Registration Systems, Inc. The name change to MERSCORP, Inc. was to become effective on January 1, 1999. However, the corporation did not file the changes with the USPTO until May 8, 2003. [Click HERE for Exhibit “D”]
  5. On January 1, 1999, MERSCORP, Inc. created a 3rd Mortgage Electronic Registration Systems, Inc. and filed the incorporation papers with the State of Delaware. This is the Mortgage Electronic Registration Systems, Inc. in the mortgages but it does not own the service mark or the eRegistry. [Click HERE for Exhibit “E];
  6. See also William Hultman deposition (see pages 47-48):                       “Question: And as for the title holding function, that now resides with the third iteration of Mortgage Electronic Registration Systems, Inc. as of January 1, 1999, is that correct?
    Hultman Answer: Yes.”
  7. It’s official – Mortgage Electronic Registration Systems, Inc. (1999) #3 is active and filed its 2012 Annual Report in Delaware. [Click HERE for a copy of the Delaware Records as of 11/22/13]
  8. On April 9, 2003, MERSCORP, Inc. under the dead name of Mortgage Electronic Registrations Systems, Inc. files the June 30, 1998 State of Delaware merger and name change certification with the USPTO. [Refer to Exhibit “C”]
  9. On May 8, 2003 (a month later), MERSCORP, Inc. under the dead name of Mortgage Electronic Registrations Systems, Inc. files the January 1, 1999 State of Delaware merger and name change certification with the USPTO. It appears this was in preparation for the renewal of the service mark with the USPTO. [Refer to Exhibit “D”]
  10. On June 26, 2003, MERSCORP, Inc. begins the renewal process of the MERS® Service Mark with the USPTO and files a specimen of use and affidavit dated June 19, 2003 by Sharon M. Horstkamp, Vice President and General counsel of MERSCORP, Inc. stating that MERSCORP, Inc. owns the service mark registration number 2,084,831 and that the mark has been in continuous use for five years and that there has been no final decision adverse to the corporations claim of the ownership of the mark. However, none of the State of Delaware corporate name change certificates had been filed with the USPTO at the time the name changes and mergers were made [Click HERE for Exhibit “F”]:
    Horstkamp Affidavit6-19-2003
  11. On March 6, 2007, Sharon M. Horstkamp’s June 19, 2003 affidavit is re-filed again with the USPTO asserting MERSCORP, Inc. ownership of the “MERS” Service Mark along with usage specimens and originating documents. [Click HERE for Exhibit “G”]
  12. On July 16, 2007, MERSCORP, Inc. files more advertising specimens with the USPTO. [Click HERE for Exhibit “H”].
  13. In the 2007 advertising specimen filed with the USPTO is an explanation of “What is the MERS® eRegistry?” It appears it was to enable lenders to skirt the “Safe Harbor” requirements in the state-led Uniform Electronic Transactions Act (UETA) and E-SIGN (Electronic Signatures in Global and National Commerce Act of 2000) adopted by Congress:
  14. What is MERSOn August 29, 2007, the USPTO accepted the renewal and name change to MERSCORP, Inc. that had been executed and effective as of January 1, 1999. [Click HERE for Exhibit “I”]
  15. On February 27, 2012, MERSCORP, Inc. files another Certificate of Ownership and Merger merging MERSCORP Holdings, Inc. with and into MERSCORP, Inc. and changing the name of the corporation to MERSCORP Holdings, Inc. The documents were filed with the USPTO on July 25, 2012. [Click HERE for Exhibit “J”]

MERSCORP Holdings certificate

When all is said and done what does this prove and how does it benefit you or your attorney? Note that in this last MERSCORP Holdings, Inc. Certificate of Ownership and Merger that there is no mention of Mortgage Electronic Registration Systems, Inc. The straw man in the mortgages cannot own assets – it must remain bankruptcy remote. The merger and name changes only applied to the assets and service mark – not to straw man MERS, the lonely acronym.

MERS eRegistry logoAlthough the 1995 Mortgage Electronic Registration Systems, Inc. created the MERS® service mark and system – it was dead and long gone after the name change to MERSCORP, Inc… and then again to MERSCORP Holdings, Inc. which is the eRegistry but it is not in the mortgages. Homeowners did not contract with the eRegistry corporation.

SEPARATE AND DISTINCT CORPORATIONS – (We even learn the definitions in a paralegal course)

corporation is a separate legal entity that has been incorporated through a legislative or registration process established through legislation. Incorporated entities have legal rights and liabilities that are distinct from their employees and shareholders, and may conduct business as either a profit-seeking business or not for profit business.  Corporations are people – remember?  Despite not being human beings, corporations, as far as the law is concerned, are legal persons, and have many of the same rights and responsibilities as natural people do.


Subsidiaries are separate, distinct legal entities for the purposes of taxationregulation, and liability. For this reason, they differ from divisions, which are businesses fully integrated within the main company, and not legally or otherwise distinct from it.

In other words, a subsidiary can sue and be sued separately from its parent and its obligations will not normally be the obligations of its parent.

The MERS Blur© gang would like you to think of them all as one big corporation – but they are not. They have bamboozled the courts into making absurd decisions – many of which are based on erroneous information.

And for any of you lingering doubting Thomases – The following governmental entities filed a MERS Consent Order in 2011 [Click HERE for a copy] and they have figured out there are 2 separate and distinct entities – it’s time to wake up:

“The Comptroller of the Currency of the United States of America (“Comptroller”), through his national bank examiners and other staff of the Office of the Comptroller of the Currency (“OCC”), the Board of Governors of the Federal Reserve System, Washington, D.C. (“Board of Governors”), the Federal Deposit Insurance Corporation (“FDIC”), the Office of Thrift Supervision (“OTS”), and the Federal Housing Finance Agency (“FHFA”) (collectively the “Agencies”), as part of an interagency horizontal review of major residential mortgage servicers and mortgage service providers, have conducted an examination of MERSCORP, Inc. (“MERSCORP”), and of its wholly-owned subsidiary corporation, Mortgage Electronic Registration Systems, Inc., (“MERS”), both of which provide various services to financial institutions related to tracking and registering residential mortgage ownership and servicing, acting as mortgagee of record in the capacity of nominee for lenders, and initiating foreclosure actions.”

¹ MERS Service Mark Principal Register may be found at: (last viewed 9/26/13)

MERS – Trademark Status and Document Retrieval

Documents may also be downloaded on under the LIBRARY tab / MERS.

Still not convinced? Read some related posts:



ShellGame-MERS: Contrived Confusion – A MUST READ!



  1. VIrgina, I tuned into the Foreclosure Hour last night and was disappointed that you didn’t have more time to discuss this dead MERS issue. My questions, after reading the post here a half dozen times, is..Could the subsidiary , Mortgage Electronic Regisration Systems, have survived the merger of MERSCORP, INC and MERSCORP HOLDINGS INC? If it did, how could it have any legal controls,in relation to MERSCORP HOLDINGS?

    If existing separately, it looks a great deal like the spit they did on the lien instruments and notes. If it didn’t survive, believe you me they had a reason. Liability? Maybe why they did the MERGER in 2007?

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  3. How do I find out if my mortgage was filed with MERS ? My refinance / mortgage does not identify that fact. Is there a certain reference number to l ooh it up?

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  6. Virginia, you are one of the foreclosure defenders that are essential and golden to our fight. Thank you so very much for what you do.

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  9. I just found your site today and it seems like you really know what you’re doing. I’m wondering if you (or anybody else here) know how to find the paperwork (PSA and so on) for your loan on the EDGAR (SEC) site? If you could write a step by step procedure on how to find these documents, that would REALLY help.
    Thanks, and keep up the good work!

    By the way, I’ve tried what people have posted before on other sites before and they don’t seem to work now. I think they were written years ago and things have changed on that site since then.

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  12. Reblogged this on Deadly Clear and commented:

    It’s time to re-post again… Why don’t people take the time to dissect these companies! They are 2 separate and distinct CORPORATIONS! No where has a document been provided that allows these 2 separate and distinct CORPORATIONS to co-mingle assets.

  13. I think you have accomplished an enormous amount of research into this MERS ordeal. If you would like to tie this all together and see the real MERS, look at the electronic tracking agreement. MERSCORP Holdings, Inc. is the electronic agent defined in 15 USC 7006(3). With that stated, MERS the database is a subsidiary of MERSCORP Holdings, Inc.according to MERS website.
    With that said; and according to E-SIGN, how does the “electronic agent” give instructions to the database, the “corporate officer”, or even create an assignment of a mortgage? It is logically impossible, not to mention unlawful.
    Peace be with you,

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  15. Richard, you need to look at the “uniform security instrument”. Covenant 20, or similar causes concerns. Ask yourself how can a “partial interest in the note [together with this security instrument]” logically, or legally take place? Then look at 3.203(d), UCC. Have the contract reviewed by a contract attorney. The contract is adhesion, but I’m not a lawyer, and its not legal advice. The contract also allowed for “mystery” parties to join the contract. The contract also creates standing for “mystery” parties. And, keep in mind fraud does not have a statute of limitations. If they sold your home, it only made things worse for them. Check out Peace be with you.

    • Alvie, I am interested in “bending your ear” and digging into your knowledge. I am representing myself and my husband to keep our home. Have done my research… I know ALL the illegal activity and this “blur” information is icing on the cake! I was going after the backside illegal practices in the securitization filings, etc… BUT now may just attack MERSCORP Holdings Inc. and discredit their ability to assign ANYTHING. I have signature on my assignment docs that is linked to robo signing… and I want to squash the document, discredit it’s validity.

      Can we chat in a private place.

      • Not sure where my reply to you went, but bend my ear. It is ok. But, my first question to you is, what makes you think you have a contract with MERS or anyone other bank other than the original party you contracted with? For the bank to have standing, or capacity, the court would need to have jurisdiction. You are playing against a secret constitution designed for the banks, not you. You will be encouraged to admit things you don’t even realized you are admitting.

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