Order of Reference: An Order of Reference sends a foreclosure case to a referee, who willthen determine the full amount owed by the borrower to the lender. http://4closurefraud.org/2010/10/27/onewest-bank-f-s-b-v-drayton-brooklyn-judge-arthur-schack-is-a-local-hero-decision-casts-light-on-fraudulent-mortgage-paperwork/ Please follow and like us: