- American Home Mortgage Servicing
- Aurora Loan Services
- Bank of America
- Deutsche Bank
- Fannie Mae
- Federal Reserve
- Freddie Mac
- JP Morgan Chase
- Litton Loan Servicing
- MetLife Home Loans
- Nationstar Mortgage
- Ocwen Loan Servicing
- Other/Not Listed
- People with Disabilities
- PHH Mortgage
- PNC Bank/National City Mortgage
- Saxon Mortgage
- Senior Citizens
- Stage: Eviction Defense
- Stage: Foreclosure
- Stage: In Default
- Stage: Post Eviction
- Stage: Underwater
- US Bank
- Washington Mutual
- Wells Fargo
Wall Street: Stop Playing Games with the Shadrick HomeWe have been trying to modify our loan since 2010, before we fell behind in our payments due to job lose. The loan servicing company, (Ocwen) refused to tell us who owned the loan, stating that the investor (Deutsche Bank National Trust Company, As Trustee Under Pooling And Servicing Agreement Dated As Of July I , 2003 Morgan Stanley Abs Capital I Inc. Trust 2003-NC7) would only deal with us through Ocwen. We finally found the identity of the investor when we were served with foreclosure papers in 2011. The investors knew that Ocwen has defrauded and exploited consumers (see http://www.worldlawdirect.com/forum/business-finance-law-issues/52457-problem-ocwen-can-i-sue-do-i-need-lawyer.html ) yet continues to hide behind Ocwen instead of negotiating with the Shadrick family. The 500+ page pooling and servicing agreement (between investor and Ocwen) was dated July 1, 2003 but was not signed until 2007. Neither the investors nor the Ocwen know the whereabouts of the original note. The investors and Ocwen have stalled, misdirected, and lied in order to steal our home. Sending legal notices to the wrong address, directing us to seek assistance from the wrong government agencies, acting on requests as slowly as possible, and refusing to produce documents, transcripts, and information. We were following Ocwen’s instructions when we applied for their hardship program and made no payments until an appropriate figure could be reached. We had a hardship agreement 3 years earlier so we were familiar with the action of delaying payment until a new figure could be reach. When we contacted Ocwen with all the facts and figures they told us that we needed to pay all that was owed which was more than we had. They refused a partial payment and have refused payments since that time, even though we could have made reasonable payments. When we first contacted Ocwen to get back on track with our mortgage we were only 6 weeks behind. They proposed the hardship program and then pulled the rug out from under us. Once the foreclosure started the lawyers for the investors kept telling us that Ocwen would work with us to modify our loan. I believe that this was a stalling tactic as Ocwen insisted that the investor was directing them not to modify the loan. When I was finally able to speak with a representative from Ocwen and the investor’s lawyer at the same time we were dealt another body blow as we were informed that the investor’s lawyer was really Ocwen’s lawyer. Ocwen is NOT named as a plaintiff on the suit. When the person representing himself as the investor’s lawyer was confronted with this information, he confessed that since Ocwen was paying his firm, perhaps he was their lawyer too. Is this not a conflict of interest? Smoke and mirrors have plagued this entire situation. We want answers. We want relief. We want accountability on the part of the investors and Ocwen. While our mortgage may be part of some crazy spaghetti mess of a pooling and servicing agreement with 499 other poor souls, our family is not just a number on a ledger of some big bank. We are taxpayers, citizens, disabled veterans, teachers, volunteers, environmentalists, aunts and uncles, sisters and brothers. We are part of the 99% and WE WILL FIGHT FOR JUSTICE!
Support a Community Benefits Agreement for the Turner Field CommunitiesFor fifty years, the communities surrounding Turner Field have been neglected, an almost forgotten footnote in Atlanta’s race to prove it is the “city too busy to hate.” Once thriving neighborhoods fell victim to the economic priorities of others: busy interstates divided communities and families; stadiums rose and fell, flooding communities with crime and raw sewage; local schools were neglected and underfunded; and promises for positive development were as empty as the scores of parking lots that litter the area. Now, there is a once-in-a-generation opportunity to change all this. It’s called the Turner Field Community Benefit Agreement (CBA). A Community Benefits Agreement is a legally-binding contract with the developer that describes mutually-agreed and enforceable goals for the development project. This agreement is driven by local residents and the over 40 community organizations that make up the Turner Field Community Benefits Coalition, which Occupy Our Homes Atlanta is a member of. What would a CBA mean for our communities? A world of difference–for everyone. A well implemented CBA could alleviate flooding; improve transportation and create new public space; provide jobs for residents and create opportunities for training, education and services for people of all ages; create housing for people of all incomes and prevent displacement of existing residents; and make our streets and communities safer and cleaner, while providing places to shop for people in the neighborhood. Your support now can bring real and lasting change. Can we count on you? We need to demonstrate how powerful a Community Benefits Agreement could be for our communities and the developer. And the best way to do that is to show how many people support a CBA. Please add your name to our petition, then spread the word!
Stand With Peoplestown Residents Fighting Displacement!Tanya Washington: My neighbors and I live in Peoplestown, in Atlanta, Georgia, one of many historic minority neighborhoods across the country that is being targeted for gentrification. I purchased my home four years ago and planned to raise my children here in a neighborhood that I love. The City of Atlanta wants to replace homeowners in Peoplestown with a park and a pond, and it is threatening to take residents' property via eminent domain to achieve its goal. The City claims that flooding in our neighborhood is the reason for our displacement, but many of our homes don’t flood and the City refuses to consider other plans that could address the flooding that does occur and allow us to stay. I believe the City is using flooding as an excuse for moving us out and making room for new residents and development. I have been resisting these efforts for almost 2 years now and I am so grateful to Occupy Homes for their organizing support around helping me and my neighbors to stay in the homes we love! Mr and Ms. Darden: I have lived in my home for more than 25 years. I don’t trust the City when it says that it needs my house to address the flooding. Over the past year I have watched the City demolish house after house on my block. It hurts to go to work in the morning and come home for lunch and see half of a neighbor’s house and then return to work and come home that evening to find the whole house gone. The City sends threatening letters that made some of my neighbors accept small settlements for their homes. I miss my neighbors and I can’t go anywhere in the City and find a house like mine in this location for what the City has offered. It’s a shame and I’m not giving up or giving in! Tanya Washington: The story of development, displacement and gentrification in Peoplestown is happening all across the nation. People don’t want to just move into our neighborhoods they want to take over our neighborhoods. This isn’t fair and we are organizing and fighting the City to remain in our homes. We’ve invested in our homes and in our community and we are determined to set an example of resistance for other urban communities facing gentrification. Most of the residents on the block whose homes flood have moved away and their homes have been demolished. There are only 8 of 28 families remaining on the block and the City wants to displace these residents, many of whom experience no flooding, with a park and pond. The City maintains it is taking homes to save residents from phantom flooding they don’t experience. What I want to know is who will save us, the people of Peoplestown from the City? It is clear that if we don’t fight to stay we will be displaced. We Shall Not Be Moved!
BARNETT CAPITAL, LTD: WORK WITH TENANTS AND GIVE THEM A YEAR LEASEWith a sharp increase of corporations buying up rental properties in neighborhoods across the United States, renters everywhere are standing up for their rights. All tenants deserve dignified homes and that means that corporate landlords must make necessary repairs for that to happen. Furthermore, all tenants deserve a sense of security in their homes, rather than the uncertainty of a month to month tenancy. Supporting these tenants who have organized to ensure that corporate landlords like Barnett Capital maintain the property and guarantee secure tenancies for all, is a step forward for all tenants. ¿Por que es importante esta lucha? Con el incremento dramático en la cifra de compra de propiedades por corporaciones en barrios a lo largo de EEUU, inquilinos en todos lados están afirmando y defiendiendo sus derechos. Todos los inquilinos merecen hogares dignos y eso significa que los propietarios corporativos deben asegurarse que las reparaciones necesarias se lleven a cabo. Todos los inquilinos merecen un hogar estable, en vez de la incertidumbre de un arriendo de mes a mes. El apoyar a estos inquilinos quienes se han organizado para asegurar que propietarios corporativos tales como Barnett Capital mantengan sus propiedades en buenas condiciones y garanticen arriendos seguros para todos y todas, es un paso adelante para todos los inquilinos.
Wells Fargo: Stop Foreclosures & Pay Us Back! (Morristown, NJ, not Palo Alto, CA)We have all heard that "a divided house will not stand," and I, a 62-year-old woman in distress, left struggling alone -- fighting Wells Fargo Bank's and its cohorts' corruption, can tell you that firsthand. When there is a land grab like the one today, unscrupulous, opportunistic people -- including your enemies, will play on any division in your family and create it to take your family's home. Many families are losing homes this way today. In 2001, my mother died without a will and her small -- estate has been pending ever since due to the aforementioned reasons. She had owned the home for fifty-seven (57) years. Immediately after her demise, family enemies instigated division in our family to force a court-ordered sale substantially below value. In fact, in February 2009, to expedite the sale, they tried -- unsuccessfully -- to get me committed to a hospital psychiatric ward to disempower me as co-administrator of the estate. When the court-ordered sale failed, they targeted a Wachovia Bank -- now Wells Fargo Bank mortgage and Personal Equity Line (PEL) loan, opened to repair the property for sale. Their intention was cause court battles to drain the equity in the estate, and they did, with the help of Wells Fargo Bank. However, this is also how I discovered the bank's fraud. In collusion with these enemies, Wells Fargo Bank allowed an estranged nephew being exploited by them to use what appears to be a fraudulent power of attorney to take the remaining equity in the PEL account. He has no interest in the estate or PEL account. My name is on the account and I am the only one who had ever paid the bill, yet Wells Fargo never gave me a courtesy call when the fraud occurred. Temporarily, Wells Fargo replaced the funds but then closed the account, at least to me! Without notifying me, Wells Fargo held a private meeting, gave the funds to my nephew again, then sent me the bill and pre-foreclosure notice! As a result, I am suing Wells Fargo in federal court (United States District Court for the District of New Jersey, Civil Case No.: 2:12-cv-01932-KM-MAH). My attorney took the case on contingency. Wells Fargo's foreclosure mill lawyer is unlawfully representing my nephew, causing the court to favor him and punish me! In fact, after Wells Fargo gave the funds to my nephew, he underhandedly purchased my late brother's home, taking it from his children. When my attorney deposed him, he asked him if he used the PEL funds to purchase the home, and my nephew told him that someone named Felix gave him the money. My attorney then asked for Felix's information so we could investigate the lead, but Wells Fargo's lawyer told my nephew he did not have to answer the questions. More than a year later, the court has still not impelled my nephew to answer the materially-relevant questions and has allowed him to commit perjury with impunity. As usual, Wells Fargo and its cohorts are making me the public scapegoat, falsely portraying me as a deadbeat who does not work, and who refused to rent an apartment which needs repairs. I had a well-paying job until my adversaries created a false charge to make me lose it, so I could not pay the bills. The people involved also interfere with tenants. Once, I had to have a lawyer send them a cease and desist letter. Despite its egregious misconduct, Wells Fargo refuses to settle my case. Instead, it is delaying it to wear me down by inflicting legal abuse upon me. Wells Fargo's and its cohorts' misconduct keeps me inundated with oppressive paperwork, and places me under considerable stress -- harming my health. Property is being vandalized to harm me too. My mother's home was in good standing and was not in danger of foreclosure, until Wells Fargo aided and abetted the people involved. Now, the property is in jeopardy, my good credit is destroyed and I am struggling alone to survive. I sent Wells Fargo a letter withdrawing a life insurance policy, but I never received a response. My case is important because it shows you the necessity of maintaining family unity when a family member dies intestate, and because it tells you how your enemies can use banks and courts to bully you, to take your family's home to humiliate, degrade and destroy you, and to make you homeless in retaliation for exercising your constitutional rights! Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
Atlanta's Renter's State Of Emergency #RenterCrisisATLAtlanta is in a renter’s state of emergency. How many of us have engaged in or overheard conversations with folks in our city about the rising rents and rapidly changing face of our city? Development doesn’t have to be a bad word but what we are seeing in Atlanta right now is the kind of development and wealth extraction that will leave Atlanta totally unaffordable for low and moderate income people. In just a few short years the Old Fourth Ward, home of Dr. King, went from affordable to one of the most expensive places to find new housing in the city, we simply can’t afford this kind of status quo development that leaves renters and low income people behind. Some of the report’s findings include: *Since 2012 Atlanta has lost 5% of its affordable housing every year *95% of Apartments built since 2012 have been considered luxury * 72% of Atlanta neighborhoods are considered gentrified or gentrifying * More than 53% of all renters in the city pay more than 30% of their income on housing, yet many landlords require proof that tenant income exceeds 3x rent We need a movement to build a city that works for everyone, and the release of this report will be the launch of a campaign to push the City and County to begin reigning in unchecked development. The campaign will also focus on renter’s rights, as Atlanta is several decades behind other cities of its size. We hope we count on your solidarity! Real full report here: https://d3n8a8pro7vhmx.cloudfront.net/oohatl/pages/53/attachments/original/1468328705/RSOE.pdf?1468328705 Sumary page: https://d3n8a8pro7vhmx.cloudfront.net/oohatl/pages/53/attachments/original/1468329040/CDPR.pdf?1468329040
PHILADELPHIA CITY COUNCIL: PUT MORE MONEY IN THE HOUSING TRUST FUNDAfter years of population decline, Philadelphia is once again becoming a more desirable place to live. There is increased development in many neighborhoods which results in rising property values and cost of living. While this development can improve our neighborhoods, these changes have already forced too many people out of their communities. City Council needs to introduce legislation that will grow the resources our city needs for affordable, accessible housing and green space so both renters and homeowners can stay in the neighborhoods we call home. As the housing market rebounds the effects of gentrification are displacing long-term residents. There is increased development in many neighborhoods which results in rising property values and cost of living. The overwhelming majority (77%) of new market rate housing built in the past six years is located in portions of North Philadelphia, South Philadelphia, and West Philadelphia. In these neighborhoods, rising housing costs coupled with stagnant or declining household incomes are straining low-income families’ ability to stay in their homes. The cost for Philadelphia’s families in these gentrifying neighborhoods is real. In North, South and West Philadelphia: 50% of renter households are “housing cost burdened” paying more than they can afford on rent; over 30% of homeowners are also spending too much of their income on housing. Displacement due to rising housing costs is also threatening the diversity of our neighborhoods. In North, South and West Philadelphia, the African American population has dropped 22-29% since 2000. Long-term residents are forced to move away from jobs and social networks. Neighborhood-serving businesses are forced to close as commercial rents increase, leaving many residents without access to basic services and local living-wage jobs. Community gardens and farms, sources of affordable nutrition and places where people gather have also been uprooted. City government must take action to curb the displacement that is destabilizing our communities. This requires adopting public policy that encourages equitable development for homeowners and renters.
HUD: Donate foreclosed, vacant property to neighborhood organizationMy name is Willie Fleming. For the past several years, I have lived at 1401 E. 75th Street Chicago, IL 60619. I am now writing to you because the U.S. Department of Housing and Urban Development (“HUD”) recently attempted to evict me from my apartment. I and the other tenants that live in this building are seeking to contact HUD to ensure that we can continue to live in this building. In 2007, I began renting this building from one of the former owners, Patricia Hill, with plans to work out of it for at least the next ten years. As soon as I moved in, I did my best to make this place not only a comfortable place for me to live, but also a resource for others in the Greater Grand Crossing neighborhood. As this is a mixed-use building, with both residential and storefront business space, I took it upon myself to reach out to local residents to see that it be used for programs and activities that benefited children, single parents, and others in need. By the time that I learned that the building had been foreclosed on in 2008, I had signed subleases with several tenants and local organizations. For a period of time, a food give away drive, a young women’s empowerment program, a youth poetry program, and an adult literacy initiative were all being run out of this building to provide services at no charge for those in the community. All of these efforts ground to a halt in March 2010, when Citibank and HUD began their eviction at the building. Even though we had received no notification about the foreclosure, nor were we given an opportunity to present our lease to the new property owner, we faced repeated eviction attempts that disrupted the constructive work we were doing with local residents. In addition to reaching out to the former owner, Ms. Hill, we also attempted to contact her commercial lender, Citibank, but we were unable to make any headway. In January 2014, my subtenants and I were forced to evacuate the property after the new property owner or its contractors had the heat cut off in the middle of winter. Over the next several weeks, we attempted to return to the property but faced the mounting task of repairing the significant damage that had been done to the pipes, walls, and floors after the building was allowed to freeze. By late February, we had been able to secure the property and begin making repairs. This process of making repairs to the property continued until June 2014, when we found that a contractor from Safeguard Properties LLC had, without any notification to use as the tenants, begun removing our items from the property. After notifying the contractor of our tenancy and contacting the police, they were forced to stop, but Safeguard ultimately refused to honor our claim for the items that had been taken from the property. Since August 2014, my subtenants and I have worked to make extensive repairs to the interior and exterior of this building, spending over $20,000 to address the damage done after the heat was cut, the pipes burst. Not only did we prevent it from being left as a vacant property, we also hired local tradesmen to make the repairs and convinced them to hire local youth to learn from them on the job. Ultimately, we hoped that the repairs that were made to this property might serve as an example for other organizations in how to address the growing problem of vacant properties and youth homelessness on the South Side of Chicago. On April 1st, 2016 the Cook County Sheriff executed an old eviction order. However, tenants still remained in the property because they did not have alternative safe, decent and habitable housing. These tenants have documented work on the repairs of this property as well as an extensive documented record of volunteerism with multiple organizations as they battle unemployment and the lack of labor force participation. In spite of these facts, they face continued threats of arrest for trespassing and theft of their property by the property preservation company.
Approve Short Sale of Hartrey 2 flat so 9 Tenants May Stay in their Home.The House on Hartrey is important to its residents & the community for many different reasons. First & foremost is the youth. The 3 children living on the first floor have recently transferred to Evanston Schools from CPS this year & would most likely be displaced into another school district to the dismay of their caring mother. Their father, Daniel Guillen, who runs a local handyman service providing for the community, would no longer have the space needed for the tools, truck & equipment required for his work. The Guillen's regularly have extended family gatherings in their apartment & the large yard. The Professional Handyman School of Evanston, a 4 year apprenticeship program teaching all aspects of residential remodeling, uses the property as its primary facility. Thomas, who has a background in house painting, video production, & music is the newest apprentice & coordinates the gardening of 11 raised beds. "I came to the Hartrey House a few months ago when I was going through a break up. After bouncing around on couches & sleeping in my car with my dog Ruby because I couldn't lease a place due to the fact that it is very hard to find a dog friendly place & also the amount of money it cost for rent & security deposit, I found the Hartrey which was very affordable. I call it "Heart-Tree" because its full of love & it branches out through the community like a tree. Its been a life changing blessing & has allowed me to have shelter for Ruby & myself. Also to be able to contribute to the community through efforts we have going is something I truly enjoy whether it be in the garden, or watching one of the visiting dogs or helping Kevin on a job, all the projects benefit humankind & the neighborhood in some way which I am a big advocate of." Another service provided for the community is Logical Lodging, LLC which provides short term pet friendly, furnished, lodging and utilities for professionals, academics, & others who are on the move or otherwise not in a position to sign a lease for an apartment. Emilio, another roommate of Hartrey & dog owner "Staying here at Hartrey was not only the most affordable option but also surprisingly rewarding for me & Pinkie. I get to hang out with dogs, cool people, have family over, and help take care of visiting dogs through Logical Lodging" Izzy, auto body detailer & room mate living at the Hartrey has reduced his commute to work by half allowing him much needed rest time after long hours put in the shop where he is also rebuilding his own truck. Kevin Keeler owner, room mate, entrepeneur & journeyman tradesman "the building is essential for the growth of the individuals here as well as both business'. I've invested hundreds of hours of repair & remodeling into the property. I would like to see the building continue to be an home for even more people and dogs in the community as well as those passing through. I am open to contributions of time & energy from creative persons interested in the property. The experience of defending against this attempted foreclosure has empowered me with a new and much deeper appreciation of the incredible power of the law." In addition, the large permaculture community garden project is a key aspect of the Hartrey. 11 full size, raised garden beds provide organic gardening opportunities, feeding the residents as well as some neighbors. In conjunction to the garden, there have been several Potluck gatherings to bring together artists, musicians, and people interested in organic gardening to discuss furthur plans & ideas to benefit the community as a whole.
City Hall, URA, SEA: Low Income Housing for the Lower Hill!Bottom line. Rents are too damn high and wages are too damn low! In Pittsburgh there is an affordable housing crisis. This crisis is most severe for families and households who have very low and extremely low incomes. Black families and households are being forced out of the City in large numbers because of the lack of affordable housing for lower income families In Pittsburgh, over the last four decades politicians have promised a city that would be economically and racially diverse. But one mayor after another has accelerated existing class- and race-based inequities. Public housing complexes have been demolished; project-based Section 8 units are at risk of termination; and unemployment continues to skyrocket in many parts of the city. Some call Pittsburgh the most livable city in the United States but it is also the place where Black people rank 2nd from the bottom for economic opportunity. The current policy of the City of Pittsburgh is the forced migration of black people from Pittsburgh to the suburbs. In 1980 there were 100,000 black people in Pittsburgh. In 2010 there were 80,000 black people in Pittsburgh. We lost 20,000 black people. What happened? St. Clair Village 900 families gone … Arlington Heights 31 buildings -> 9… Addison Terrace is demolished displacing over 400 families. ... People who move can't find affordable housing in Pittsburgh. The City of Pittsburgh has a duty as a recipient of CDBG funds to affirmatively further fair housing choice. The City’s AFFH obligation includes the duty to provide opportunities for inclusive patterns of housing occupancy regardless of race, and this duty extends to all of the City’s housing activities. Zoning and other land use laws have a major influence on housing. These regulations govern where housing can be built, the type of housing that is allowed, the form it takes and many other factors. Land use regulations can directly or indirectly affect the cost of developing housing, making it harder or easier to accommodate affordable housing. It is unusual that zoning ordinances are written to openly discriminate, but in many cases, the unintended consequences of certain regulations are to limit housing choice, or otherwise reduce opportunities for fair and affordable housing.
BARNETT CAPITAL LTD: DON’T DISPLACE TENANTS FROM THEIR HOME AND HISTORYOur struggle is important not just because of our individual struggle as tenants against Barnett Capital, but because of the gentrification of our working class neighborhood of Albany Park. Thousands of tenants have been priced out of our neighborhood due to greedy speculation by corporations like Barnett Capital. Families living in the neighborhood for decades have to move away from their friends and extended family, their children's schools, their social networks, their community centers, their churches, all because of developers’ and speculators’ desire for profit. Because of gentrification, tenants are displaced from the place they call home. By struggling for our right to stay in the neighborhood at an affordable rent, we are forming part of the larger neighborhood struggle against gentrification. The community has power when we organize ourselves! Please join us, ally with us, be in solidarity with us, by signing this petition!
Vote NO on HR 1737For years, African-Americans as well as Hispanic and Asian Americans have paid significantly higher interest rates on car loans than have other buyers of equal credit-worthiness. Now, in a fresh outrage, more than 170 members of Congress are trying to undermine the Consumer Financial Protection Bureau’s ability to combat discrimination in the auto lending market. Since 2013, the CFPB has required a group of banks to pay more than $150 million in fines and restitution to some 425,000 minority borrowers who got stuck with an average of several hundred dollars in extra loan payments. In June 2015, the Bureau began to oversee the auto lending practices of nonbank financial companies, which had previously escaped federal regulation. But auto dealers are up in arms over the Bureau’s efforts to make them treat people fairly. They’ve persuaded the House Financial Services Committee to approve legislation – HR 1737 - that would force the CFPB to rescind the auto-lending directives it has already issued, while going through procedural hoops before taking any further action. By putting obstacles in the CFPB’s way, HR 1737 would sanction a system that not only routinely costs minority car buyers more money, but puts them at added risk of having their cars repossessed. This measure might as well have been named the “Perpetuating Auto Loan Kickbacks and Racial Discrimination Act.” But the car dealers are lobbying hard, and they have won distressingly high support so far: 170 co-sponsors for their bill, and 47 votes for, with only 10 against, in the Financial Services Committee. This terrible legislation could come to the House floor any day now. We need many more people to oppose it if we are going to succeed in keeping it from ever being signed into law. Please take action now.