- 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
Illinois Legislatures Pass Homeowners Bill of Rights!Center for Responsible Lending and Consumers Union: State Action Still Needed to Prevent Unnecessary Foreclosures. States have yet to recover from the foreclosure crisis that has stripped trillions of dollars from homeowners and devastated local communities across the nation. Industry analysts estimate that 6 million borrowers remain at risk of foreclosure.1 States are in a strong position to prevent unnecessary foreclosures, stabilize local housing markets and protect homeowners from mortgage servicing abuses. Through practical enhancements to the standards set by the Consumer Financial Protection Bureau (CFPB) and California’s Homeowner Bill of Rights, states can help borrowers get full and fair consideration for loan modifications before losing their homes to foreclosure. State Action Remains Necessary Following the CFPB Servicing Rules On January 17, 2012, the CFPB issued final servicing rules that address loss mitigation and dual tracking, the practice by servicers of simultaneously pursuing foreclosure while working with a homeowner on a loan modification or other foreclosure alternative.2 Although the CFPB rules will apply to servicers whether or not states adopt them, 3 only by adopting the rules themselves can states give borrowers the ability to prevent foreclosure sales when servicers violate the rules. Hence, we provide recommendations on how to implement aspects of CFPB’s national reforms. And although the CFPB rules are strong in many respects, there are key areas where the states can provide stronger protections for homeowners. Recommended Dual Track Rules Pre-Foreclosure Referral: The CFPB rule provides that a mortgage servicer may not start the foreclosure process until a borrower is more than 120 days delinquent. Additionally, under the rule, if a borrower submits a complete loss mitigation application before the servicer starts the foreclosure process, then the servicer may not begin the process while the application is pending. States should adopt this strong standard. Post-Foreclosure Referral: Under the CFPB rule, if a servicer has already started the foreclosure process, it is prevented from moving for a judgment or order of sale or conducting a sale only if the borrower submits a complete loss mitigation application more than 37 days before the foreclosure sale date. California law has no deadline. CRL had recommended that the CFPB adopt a shorter deadline of 15 days. States should consider giving borrowers more time to apply with timelines that are consistent and workable with their state’s foreclosure timetables. Limited Right to Appeal: The CFPB rule gives borrowers a right to appeal a denial only if a complete application is received by the servicer 90 days before a possible foreclosure sale date. California law allows a borrower to appeal a denial regardless of when the application was received. Given the evidence of widespread servicer errors related to denials, states should consider providing borrowers with broader appeal rights for borrowers who meet the state’s application deadlines. Procedural Rules regarding Borrower Outreach and Denial Letters: The CFPB also requires outreach to borrowers about loss mitigation programs and denial notices. States should adopt the CFPB outreach procedures, but should consider adopting California’s more detailed denial notice, which provides greater transparency and information to borrowers. States Should Also Give Borrowers the Ability to Prevent Unlawful Foreclosures Dual track restrictions are intended to prevent unnecessary foreclosures. This goal cannot be effectuated fully by the CFPB rule alone, however, given that the law under which the rule was implemented, RESPA, does not allow borrowers to actually prevent a foreclosure sale when servicers violate the rule’s requirements.4 States, therefore, should adopt dual track rules (as outlined above), and then also provide borrowers with a right to seek an injunction (in non-judicial foreclosures) or raise a defense to foreclosure (in judicial foreclosures), for a violation of these rules. This will allow borrowers to put a pause on the process while the servicer considers the borrower for foreclosure prevention alternatives as required by the rules. This protection ensures that borrowers receive the full benefit of the dual track restrictions to prevent unnecessary foreclosures. http://www.responsiblelending.org/mortgage-lending/policy-legislation/states/2013-crl-and-consumers-union-joint-state-foreclosure-recommendations-final-february.pdf
Tell this Third Party Debt Collector to Give the Clarke's their Home Back!,"The collection agencies have traumatized my family and especially hurt my children psychologically with abusive and immoral collection practices including coming to our home on multiple occasions and banging on the door so hard that it shook the whole house.”
Help us keep our home!Our home is being taken from us and we don't even understand why. We have held good to everything we said and paid the rent on time. We had no idea that the secretary was going to run off with the money! All the little children the neighborhood loves coming to our home to play with our four children. We help the neighbors cut their yard and try to keep the area safe. We got the house as a fixer upper and we have been making steady improvements. We all need this house especially the kids!
Stop thewrongful eviction of the Awad family by Fannie MaeThe Awad family faces an unjust eviction by Fannie Mae after Monday, July 1, 2013. They were victims of mortgage fraud and theft from day one. In 2008, Mrs. Awad believed she was getting a mortgage to purchase a home. But her name was never put on the mortgage, only on a quit claim deed. The Awads made timely payments on the mortgage for years, until their payments were refused because the mortgage was placed in bankruptcy by the named mortgagor. The Awads did not find out until after the foreclosure redemption period had expired that they were not a party to the mortgage. The Awads discovered that the years of payments they made meant nothing and the bank refused to even talk to them, despite cashing their checks for years. The Michigan courts ruled in favor of the banks and found that the Awads had to raise the fraud before redemption period ended, even if the knowledge of the fraud occurred later. It did not matter that the bank cashed a check every month from Mr. and Mrs. Awad. The Awads have tried to get their home back from Fannie Mae, a government-owned corporation. Fannie Mae refused their offer to match the $234,000 that Fannie Mae paid at the sheriff's sale. The Awads then offered the full amount of the loan, $280,000 and Fannie Mae again refused! In January 2013, Fannie Mae asked for almost $345,000, an amount considerably more than the fair market value of the house. The Awads were surprised, to say the least, and asked for a review and a more reasonable price. Taxpayer-owned Fannie Mae even ignored the $350,000 mortgage approval that was offered for a home that cost $234,000 at auction. Fannie Mae and Freddie Mac package millions of mortgages purchased from banks and other mortgage lenders into mortgage-backed securities (MBS). The banks then become loan servicers, collecting the monthly payments and passing them along to Fannie and Freddie for a small fee. Fannie and Freddie then guarantee full payments to investors if the loans go bad. The bank loses nothing. In 2008, Fannie Mae and Freddie Mac were taken over by the Federal government and put under the control of the Federal Housing Finance Agency (FHFA). They were ultimately bailed out with $188 billion from taxpayers. As Mrs. Awad stated in a letter to Senator Debbie Stabenow, "The current offer for $350,000.00 is not only above the market value and the mortgage amount, but a purchase at this price would save the government-owned Fannie Mae taxpayer dollars, and help keep a neighborhood stabilized by not having another vacant, foreclosed home. "I don’t think it is fair that people pay money to seek help from the government who is supposed to help them for free not to make a profit from them. We are seeking emergency intervention as we have children who should not be uprooted especially when we are willing to pay above the mortgage amount for the home." Help the Awads now by calling Fannie Mae and asking that it stop the eviction of the Awad family and negotiate a fair purchase price. Home address: 21931 BEECHCREST ST. DEARBORN HEIGHTS, MICHIGAN 48127 LOAN INFO: Fannie Mae [GMAC servicer, acct # 060188936] New numbers to try: Timothy J Mayopoulos, CEO,Fannie Mae, +1 202-752-7000 (and +1 877-753-0562?) Other Fannie Mae contact info: Fannie Mae Chicago Office: (312) 368-6200 Fannie Mae Mortgage Help Center: 866-442-8572 Email: email@example.com Note: You may be told by a Fannie Mae representative to call Orlans and Associates (248-502-1387), the legal firm handling the eviction from Fanny Mae. Please respond by first pointing out that Fannie Mae is in charge, is the paymaster, and is the one to call off the eviction. Then call Orlans, if you can. For updates, visit www.moratorium-mi.org or www.detroitevictiondefense.org
JUDGE MARTINEZ, PLEASE RULE ON THE CONSTITUTIONALITY OF COLORADO'S STATE FORECLOSURE LAWSBy signing this petition you can help all facing unjust or fraudulent foreclosures in Colorado and the rest of our nation! Judge Martinez and many other Judges are starting to recognize the people are being victimized by unjust & unconstitutional foreclosure laws. To avoid setting legal precedent, before our Judges can make a ruling, the banks are withdrawing cases or settling with the plaintiff if it looks like they will lose. Our judges have the right to continue cases if they can show that other individual members of the public are interested in the decision because it bears upon their individual rights. Please sign this petition so that when it is sent to our judges they can prove that legal argument and justify continuing these cases brought against the banks. THIS IS OUR CHANCE TO STAND UP TO THE BANKS AND STOP UNJUST FORECLOSURES! PLEASE SIGN AND SHARE WITH FRIENDS. For more info on Lisa Brumfiel's case please visit libertylisa.com
To all Bankers reduce home principals now!It is important that we keep fighting the banks and not give up. If we give up, they win and will continue their evil practices of writing the laws, packaging our homes and selling them on wall street, raise prices on us, make us live off of less money, and continue to pay off and manipulate our politicians who are corrupt as well. We must educate ourselves and the public and continue to fight, otherwise, they will manipulate the market so they can get richer. Iceland arrested the bankers, kicked them out and now their economy is thriving again.
Keep the Roziers' in the Home They Built1. My husband built our entire home from foundation to finish with no outside labor. Our home is over 4,200 square feet, and has been since 2000. When US Bank went for Relief from Stay, they filed a false Broker's Price Opinion claiming our home was only 2,096 square feet and underwater. The Judge -- the former head of Bank of America's Bankruptcy Department -- ruled in their favor despite appraisals and the tax records, which reflects the true size. My appeal has been approved for Oral Arguments with the 9th Circuit BAP.1. Judge Derek Hunt (Orange County Superior Court) threatened to put Severson and Werson lawyers thrown in jail, and Judge Bauer denied their request for a bond, so they hired a larger law firm (Locke Lord) to have the cases removed to a new judge. 2. They placed me in default when I was still paying my mortgage, which is why they had to cancel the initial default. Unfortunately, I lost my security clearance. I used to be a missile engineer for the Navy. I was offered the position of "Chief Engineer, Air-to-Ground Missiles." That would have made me one of the highest ranking female rocket scientists in the country. I worked my butt off to earn that position, and they cost me my entire career with their mistake. Now I am considered a "deadbeat", "unstable", and a "threat" even though I have not change at all. All that has changed is my employment status and wealth. 3. We also have a disabled son. He was born 15-weeks early with massive brain damage, lung and heart damage. He has survived lung/heart surgery, three brain shunt surgeries, two hernia surgeries, and five eye surgeries. Despite being legally blind, in Jan 2012 he saved a stranger's life and was recognized locally for his action. This is the only home he has ever known. His father built it for him -- he quit his job when our son was born to heal him, and built our home in the process. He has not been compensated for his work, and they are trying to steal all the equity he built with his two hands. We would have loved to pay our mortgage, but they stole that ability from us when they wrongfully placed me in default and cost me my career.
Friday March 15th Eviction of The Broken Angel! Artistic Landmark in BKI saw my friend Arthur today. He is 84. He built the Broken Angel in Bedstuy and after 6 years of fighting the courts he has been evicted from his home. This Friday the sheriff comes to close the deal and I want to throw a big block party to commemorate his monumnetal presence in the neighborhood. http://lovewerk.tumblr.com/ http://en.wikipedia.org/wiki/Broken_Angel_House In 2006 Arthur , his son Chris, and his wife Cynthia came back from lunch to part of their home being on fire. The back tower. The fire dept. couldn't fight the fire from the inside the building and had to use the ladder, which brought in the building Department who declared the structure not up to code. The Woods were arrested for a violation of an eviction notice and told that if they entered their house again they would be arrested. Arthur and Cindy Wood lived in a VW bus in the 8 lot of their property to avoid arrest. They were in their late 70s at the time. The Council woman Laticia James, who in the guise of doing something good for the situation, set Arthur up with Shaun Andersen a real estate developer with an interest in the neighborhood. This turned out to be a very bad partnership. The bank, Madison Realty, gave a 4 million dollar mortgage loan to The Broken Angel LLc, a partnership between Shaun Andersen and the Woods. The loan was supposed to be to bring the building up to code and turn it into condos. $50,000 was given to the LLC every week, which never made it past Shaun's office, except for a few things like a steel staircase and demolition of the top floors. They emptied the building and Shaun Anderson forged documents that said he paid Arthur Wood more than $800,000 for the #8 lot. They did not sign these documents and this money was never given to the Woods. Despite these injustices, the money in the loan ran out and the bank called in the mortgage as a foreclosure. Anderson, Madison Realty and Arthur Wood have been in court in regards to this matter for the past six years. After various appeals and new cases, Arthur has run out of options on his eviction. He has been give a final date of March 15, 2013. Despite his efforts to bring attention to his cause, he has met unsympathetic coverage, the Daily News mocked his case last Sunday saying the neighbors think his house is an eye sore...When standing on the street today hanging out with the neighbors they had tears in their eyes. Prominenty featured in David Chapelle's love letter to BK "Block Party" I would love to have media, friend music whatever present to show the City and whoever else cares that this man is loved and deserves to stay in his home that he built! If you don't think this pertains to you think about all our futures and the houses we buy.. boosting dying neighborhoods,towns,and cities (ahem..) and after you put 40 years of love into something have some developers give you a bad deal and kick you out of your home at 81. If your into humans vs. money and making your dreams come to life... C'mon and share some love on Friday! Even at 81, he was cutting up his artwork with a circular saw to fit it through his door today so he could stick it in a Uhaul. He makes star gazing chairs, beautiful paintings, mechanical furniture...the basement where he made a huge fireplace had a waterfall that flowed in a sheet of water infront of the fire... and when you go take a look the seating area in front of the fireplace. There are two butt imprints one is of Arthur's and the other of Cynthia who died of cancer 2 years ago in the midst of this mess.
Declaration of the Eviction Free ZoneWe, the residents of the Central and Powderhorn neighborhoods of Minneapolis, hereby declare our community an Eviction Free Zone. We pledge not to move out of our homes until stable, equitable, and affordable housing is accessible to everyone who lives in our neighborhoods. We refuse to watch any more of our neighbors forced out of our community. As our community has suffered 835 foreclosures since 2007, our elected officials refuse to act. Though the Central and Powderhorn Neighborhoods are among the poorest in Minneapolis, we owe Wall Street over $52 million in negative equity. While many of us are homeless, abandoned homes sit uselessly vacant, vulnerable to crime and blight. As Wall Street and the big banks are again making record profits, in our community we have seen no relief from the foreclosure crisis. We will no longer be held hostage by the tyranny of the financial institutions that crashed our economy. We have come together as a community to voice our collective demands, and will not move from our homes until they are met. -A moratorium. State and Federal authorities must declare an immediate stop to foreclosures and evictions until policies are in place to ensure stable, affordable, quality housing for all. -No public resources for unjust evictions. Our public servants, city officials, police officers and sheriffs must not interfere with any negotiation by evicting residents who intend to negotiate with their lender. City and County officials could enact a de facto moratorium by publicly refusing to carry out evictions of unjust foreclosures. -Principal reduction. Lenders must rewrite all mortgages to reflect today’s housing prices at an affordable fixed interest rate. Households in Powderhorn Park and Central neighborhoods owe at least $52 million in negative equity to the big banks. Relieving this unjust debt would provide relief to thousands of families. -Housing is a human right. Hundreds of bank-owned vacant properties sit uselessly in our neighborhoods while in Hennepin County homelessness is at a six-year high, and over 30% of all people experiencing homelessness are children. Bank-owned vacant properties should be placed under community control, to be used for affordable housing. We believe that safe, equitable, and affordable housing is a human right. Until this vision becomes a reality for all of our neighbors, we stand together against foreclosures and evictions. We hereby declare the Powderhorn and Central neighborhoods of South Minneapolis an Eviction Free Zone. We, the residents facing eviction, shall not be moved. Jaymie Kelly, 55407, JP Morgan Chase Sergio Ceballos Aguila, 55407, JP Morgan Chase Jessica English, 55408, Wells Fargo Genet Beyene, 55408, Ocwen Loan Servicing Gayle Lindsey,55408, M&T Bank Nafeesah Abdullah McReynolds -El, 55407, Midland Mortgage Co. Paula Medlock, 55408, JP Morgan Chase Connie G, 55407, Citi Mortgage Nathaniel Daniel, 55408, Bank of America
HELP ANGEL SAVE HIS TOWNHOUSEIT IS IMPORTANT BECAUSE IT IS THE ONLY HOME I OWN, I HAVE FOUR DEPENDENTS AND MYSELF TO SUPPORT WITH MY MONTHLY TEACHER PENSION, AND BECAUSE WE HAVE LIVED IN THIS TOWNHOME SINCE 1978. IT IS THE ONLY HOME MY CHILDREN HAVE KNOWN, I AM A DIVORCED AND A SINGLE PARENT HEAD OF THE HOUSEHOLD AND THE ONLY ONE WHO RECEIVES AN INCOME. I HAVE HAD TO RAISE MY CHILDREN AND THOSE OF MY DECEASED SISTER ALONE. SHE PASSED AWAY AT AGE 55 AFTER A GALLBLADDER SURGERY. MY CREDIT HAS BEEN DESTROYED BY HSBC AND GMAC, AS WELL AS BY THE CREDIT CARD COMPANIES AND I CANNOT AFFORD TO MOVE, TO BUY ANOTHER HOME OR EVEN RENT, BECAUSE WHEN I HAVE TRIED TO RENT THEY ALSO CHECK MY CREDIT SCORE AND MINE, THAT USED TO BE 789 ALL MY LIFE UNTIL I WAS FORCED INTO EARLY RETIREMENT IN 2007, IS NOW ONLY 520. I HAVE BEEN PAYING FOR BOTH MORTGAGES WITH MY PENSION FUNDS AND THE LITTLE SAVINGS I HAD SINCE 2007, BUT THEY ARE EXHAUSTED NOW. I HAD TO START USING MY IRA FUNDS TO CONTINUE PAYING THE MORTGAGES, BUT THEY ARE ALMOST GONE NOW AS WELL. I NEED HELP. ON TOP OF MY REGULAR FAMILY, WE ALSO HAVE 5 POMERANIAN DOGS THAT WERE GOING TO BE EUTHANIZED BY A FRIEND OF MINE WHO ALREADY LOST HER HOUSE, AND WE SAVED THEM. WE ALSO HAVE A PARROT AND FOUR LOVEBIRDS THAT WOULD BE OUT ON THE STREET TOGETHER WITH ALL OF US IF WE LOSE THIS TOWNHOUSE. I AM STILL PUTTING TWO OF MY KIDS THROUGH COLLEGE. PLEASE, HELP ME!!! THANK YOU AND GOD BLESS.
US Bank & OCWEN: Don't Evict Cancer Patient Jacqueline Barber & Keep Her Family In Their Home!!http://youtu.be/0ijEyBpBKsQ http://youtu.be/r1u05QffjHY I spent 20 years working as an officer and detective for the Atlanta Police Department. In 1998, I was struck by a car while on the job, causing spinal injuries that left me unable to work. Forced into early retirement, I spent the next few years recovering and welcoming new grandchildren to my ever expanding family. In 2005, while visiting a former co-worker with my daughter, I came across my dream home. A friend urged me to apply for a loan, which I did and then quickly forgot about. A few weeks later, I got a call from a loan officer telling me that I had been approved and asking me when we wanted to move. Reluctant at first, my family and I decided to purchase the home in Fayetteville, Ga. In 2009, shortly after the housing bubble burst causing our economy to crash, the adjustable rate on my mortgage reset, causing my payments to go up by almost $1500. Meanwhile, the value of my home began to plummet. Then tragedy struck. I was diagnosed with multiple myeloma, a form of bone marrow cancer. I began aggressive chemotherapy and radiation treatments, while my son helped me begin the long process of applying for a loan modification with Wells Fargo. After almost a year of treatment, including a bone marrow transplant, my disease went into remission. My mortgage troubles however were far from over. Over the next 2 years, I sent in document after document to the bank, attended countless seminars with housing counseling agencies, and tried everything I could to obtain a loan modification, all while still in a wheelchair from the pain I was suffering. My family and I even fell victim to so called “foreclosure rescue” groups, paying them over $3000 to assist us. Finally in early 2012, I received a letter from the executive VP of Wells Fargo assuring me that they were working on my case. I felt a sense of hope at the prospect of finally getting some relief. Much to my surprise, I received a letter a few weeks later from US Bank, claiming they had purchased my home at auction for less than a third of what I had paid for it, and demanding that I vacate the property. Despite their assurances that they were working on my case, it seemed Wells Fargo had moved forward with the foreclosure. My family, including my four young grandchildren who now live with me, were faced with being put out of the home we love. This began my next battle with US Bank & GMAC. US Bank purchased my home at the auction for less than a third of what I paid for it. Now they are trying to evict me, even refusing to sell the home back to my friends and family who were more than willing to pay for it. It appears that my home was bundled with thousands of others into a risky Mortgage Backed Security, the same kind that led to the crash of our economy in the first place. US Bank is trying to place the blame on GMAC, who claims it is in the investor's hands. This began my next battle with US Bank, and their enforcer/servicer GMAC, who are demanding that my family vacate the property immediately, even refusing to sell it back to friends and family members who were more than willing to purchase the home back from them. It is unclear at this point who actually owns my home. It appears that my loan was bundled with thousands of others into a risky mortgage backed security, the same kind that caused the economy to crash in the first place. The stress of all this has caused my cancer to come out of remission, and I am now having to resume aggressive treatment to fight it. On Thursday October 11th a judge lifted the stay granted by my bankruptcy. US Bank and GMAC are now free to continue eviction proceedings. This means that I could be evicted in the next few days. However, instead of losing heart, my spirit has been strengthened. Occupy our Homes Atlanta has set up an occupation at my home. I'm gathering my friends, family, and community by my side to deter an eviction that could come in a matter of days. Please sign my petition asking US Bank and GMAC to stop their attempts to evict me, and to work out a deal that allows me to stay in my home.
Please Sign Petition To Keep Mrs. Ronni Mandell In Her Home.HOMEOWNER REFUSES TO SIGN RIGHTS AWAY FOR MODIFICATION-BOA TO FORECLOSE Now Loyal Honeywell 27 Year Employee Faces Foreclosure And Needs Champions To Help Her. On August 3, 2012, Mrs. Mandell of West Haven, Ct. received a letter stating her mortgage was referred to foreclosure due to her refusal to sign and return the 5 page settlement form that was sent with the modification. Mrs. Mandell had received an offer from Mr. Mark Bragg, Senior Vice-President of Bank of America (805) 917-1805 which seemed somewhat acceptable but BOA was still demanding Mrs. Mandell to waive her first amendment rights to free speech and press from the beginning of time and forever, as well as her husband‘s, including the right to any legal representation now and forevermore. The couple will be celebrating their 40th wedding anniversary February 4, 2013 and they had hoped it would be at their home but it appears unlikely. They’ve petitioned federal and state government leaders for assistance in dealing with the bank, but their pleas for help fell on deaf ears. This lack of help for these citizens from Rosa Delauro, Richard Blumenthal, the OCC, CFPB and Attorney General George Jepsen leaves this elderly couple helpless in this, the eleventh hour. The Mandells are now being used as “Poster Children” to show any other critics that may want to fight back what happens when you disagree with Wall Street and the government. Both Mandells are prepared to continue to fight and warn other homeowners not to sign waivers and demand the government to ban this practice immediately. Mrs. Mandell is a hardworking, conscientious employee, who started working for a company named Fire-Lite Alarms in New Haven, Ct. in 1985, and then Honeywell Industries purchased the company in 2000, now the company is located in Northford, Connecticut. “This provided her and all the employees a feeling of increased job security as Honeywell, headed by Mr. David Cote, is a well-oiled machine that knows how to grow honestly, responsibly and knows how to treat customers and it‘s employees.” Mrs. Mandell added. Joseph Kancar Bank of America (800) 669-6650 BENDETT & McHUGH, P.C. ATTORNEYS AT LAW 160 FARMINGTON AVENUE FARMINGTON, CT 06032 MAIN OFFICE: 860-677-2868 OFFICE FAX: 860-773-6328 EMAIL: firstname.lastname@example.org