- 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
paraplegic Needs His HomeAccess for a wheelchair is important when you have a spinal injury. You need wider doorways to enter, and exit all rooms. You also need bathrooms with showers, sinks and toilets that have been modified to ADA (Americans with Disabilities Act) standards, along with ADA kitchens having access to food to be able to prepare meals. Bedrooms also have to be ADA accessible. I tried to stay in some hotels and fit through the front door of the room with my wheelchair, but was unable to fit through the bathroom door in the same hotel room. I have lived in my Berkeley, California home since 1987. I was misled into taking a Country Wide A.R.M Loan. Country Wide said they would give me a better loan in 6 months. They never did give me that loan. Shortly after they went out of business and Bank of America assumed my Country Wide loan. Bank of America told me that they couldn’t honor anything that Country Wide had promised to me. They further said that the only way they could help me is if I defaulted on my loan. I believed them at that time. Then Bank of America said they wouldn’t help me and sold the loan to Ocwen. I submitted all the documents that Ocwen requested, like I had done for all the other lenders and then said they couldn’t help me nor would they accept any monthly payments, only the full sum. Ocwen then sent me referrals to speak to HUD and H.O.P.E. After I filled out their forms, and submitted the required documents I was told that Ocwen didn’t participate in government programs. Ocwen then sold the loan to Fay Servicing. Fay then requested documents from me. I requested an email address to correspond with them but they were hesitant. Like all the other lenders, Fay said that phone calls were the only way I could correspond with them. I did finally manage to receive an email address. I emailed them and asked why the payments were interest only payments. I also asked for an accounting for both the principal and interest payment combined. I never received an answer by either email or phone. The next thing I received was a notice of sale date of my home. My parents always said the bank will help you. Where is that help? It should be a loan requirement (law) that the loan agency provide an impartial lawyer to evaluate the numerous pages of the loan contract, and advise you to accept the loan or not. There should be an acknowledgement within the loan document of this process. Put your money in a credit union. THE BANKS ARE CRIMINAL!!!!!!!!!!
Need a Principle Reduction from Bank of AmericaI have a disabled son who depends on me for his housing. I gave him a kidney five years ago and we are still struggling to keep up with all the debt that occurred because I took time off to give him a kidney. My youngest son is active duty and had been on two deployments in Afghanistan in the last four years. I have always had three or more jobs to keep up but it is too physically difficult to do so anymore. Don't have much help available. I don't even have the strength to move the things I have out of my house before foreclosure. Feeling suicidal.
Jay Bray ....Do Not Evict Reverend Vilma....Work with Reverend Vilma!Reverend Vilma and her husband live at 33 S. Cowley Rd 60546. Right before closing on the house, they found out that the home would not be a fixed rate mortgage. They felt pressured to sign seeing as they currently had no home. The Reverend and her husband signed. But then the housing crash hit our country's infrastructure. From there, a cascade of horrible events proceeded. The family had to close their construction company. They filed for bankruptcy. And if that was not enough strife, the Reverend was diagnosed with Polycystic Kidneys, followed by a heart condition. Her husband was then diagnosed with cancer. Unemployment coupled with a precipitous increase in housing and medical payments led the family to apply for 4 loan modifications throughout the years. None ever saw any results with Nationstar or Bank of America. If Nationstar were to foreclose, they would not only render the Reverend and her husband homeless, but they would deny the community incredible social and human services. The family hosts marriage and youth counseling; on top of which they offer drug addiction services. Furthermore, the Reverend and her husband have opened a food pantry in the home where 1,600 lbs of meat is delivered monthly. But if that was not enough, the family has a spare bedroom for the homeless, as well as a youth center in the garage. The Reverend and her husband implore Nationstar to work with them on a solution to keep them in their home. They would like to make their monthly payments affordable. Considering the family's loss in income, they would like to pursue a Principal Reduction Alternative. This could help stop the sale of the home and thus provide the Reverend and her husband an opportunity to hold onto their home, but also keep the community's much needed social and human services available.
Change Tax Code To Stop Wall St. Hedge Funds, and Investors From Investing In Single Family HomesIt is important to create an economy where people can succeed. Unlike in the past where people were given a mortgage that they couldn't succeed at if the economy was driven off a cliff by greed, and fraud. By the big banks and Wall St. firms. Given decent mortgage terms, a stable economy, and the opportunity to earn a living wage, homeowners will fulfill the promises they made when they signed their mortgage.The economy needs guidance so we don't have high unemployment. Repairing the homes will increase economic activity, and employment. Hundred of thousands, perhaps millions, of single family homes will be repaired, and improved by owner occupied owners, or contractors. Home values will be maintained. Neighborhoods will be improved, and maintained. The supply of housing will increase. Homes will become more affordable. Home ownership will increase without increasing the risk of another primary home crisis. How would you feel if you were a family looking to find your one piece of the American Dream. Just one home for you, and your family to live in. After years of making sacrifices to save up enough money for a down payment, you make an offer to buy a house, and then a Wall St investment firm, or an investor out bids you with a cash offer for the home your family has wanted, and needed for years. Or worse than that, a financial crisis is created by Wall St., and the big banks, you lose your job, and then you lose your home to foreclosure after living in the home for years!! And then, to rub your nose in the shitty situation, Wall St types, or an investor buys your home for pennies on the dollar, and then they want to rent your home back to you for more than what your payments were, that you couldn't afford in the first place!!!! It makes you feel like, why did I work so hard, for so long to be kicked down like this? You want to get up, and #!*%&@ This scenario happens more and more as investors and Wall St. investment firms have jacked up single family homes prices from coast to coast. Wall St. investment firms, and their accredited investors have become the largest owners of single family homes in America. There are many real estate investment opportunities for investors to invest in multi-unit housing. Single family home prices should reflect the purchasing power of the families that want to live in the home, not the greater purchasing power of Wall St. firms, private equity funds, and accredited investors. People are video documenting the imbalances that Wall St. and accredited investors are creating investing in single family homes! Prices of homes, and rents are rising too fast in some housing markets again. Watch full episode of "Wall St. Landlords" on Aljazeera America channel 219 on ATT U-VERSE. Search on the internet for similar videos on other TV channels, You Tube, or for the title "Wall Street Landlord." A single family home market, made up of home owners that live in the home, is more stable than an investor led market. Investors are not emotionally tied to a single family home as much as a family that has lived in the home for years. If the price of the home decreases, investor dump the homes on the market by the millions, as investors did in the 2008 financial crisis, or they abandon the homes if they are not making a profit from the house, also devaluing the surrounding homes. Families need affordable housing that is priced at their purchasing power . Not at the purchasing power of accredited investors, and Wall St. investment firms. Some things are more important than amassing wealth, making a profit, and increasing tax revenues. Sure the Fed's Quantitative Easing creates the "Wealth Effect". It makes the wealthy richer, because they own most of the income generating assets in our economy, which go up in price with the use of Quantitative Easing. The working poor, and the middle class get poorer, because they lose assets when they lose their job. The only income they have to pay their payments, and take care of their family is their job. This is why it is very important that the 2% Appreciation/Inflation Taxation Policy needs to be enacted to help maintain employment!!! When a recession occurs in an economy, interest rates decrease. To increase demand on Main St., to reduce the length, and depth of the recession, or financial crisis, all single family home mortgages should include a clause that lowers the interest rate, as the Federal Reserve lowers interest rates to the financial sector. This change will eliminate refinancing cost, and increase economic activity, and aggregate demand on Main St. rather than primarily increasing economic activity in the financial sector, increasing it's profits, and bonuses, The foreclose crisis has given the rich the opportunity to grab more income producing assets to increase their wealth. We need to change this economic injustice NOW!! Go to www.taxpolicy.wordpress.com for more ground breaking ideas on helping people to succeed.
Fannie Mae: Don't Evict Jeff, Negotiate! [Eviction 11/18 @ 10AM]My name is Jeffery Nelson Solivan and I live at Edgemont St in Springfield Massachusetts, where Fannie Mae is trying to evict me from my home after foreclosure. I have lived in my home since October 24, 2007. FNMA has scheduled an eviction on my home for Tuesday November 18, 2014 at 10:00AM. I am asking for your support to demand and urge Mel Watt and Fannie Mae to consider again my offer to rent the property using the affordable housing voucher I have, which is in line with the Federal Government’s [HUD] standards for affordable housing. In 2007 when I bought my home, I was told by the bank that I would get a straight loan because my credit was good. Once things were underway with the real estate agent, Acuna Real Estate, we went to purchase the property for $85,000. I went and signed my paperwork so that I could move into the house. I had been led to believe I would have one loan with one interest rate. Being a first time homebuyer I was so excited to be able to purchase my first home at a price that I thought would work for me. After I signed all of the paperwork, I found out that Bank of America fixed me into two loans, even though I thought I was only getting one. One was for 80% and $68,000 on which I was given a fixed rate 30-year mortgage at 6.75%. But on a second 20% loan, for $17,000 they fixed me into a 9% interest rate. When I bought my home in 2007 I had a good job working for Friends of the Homeless as an intake staff. In 2008, a new director came in and I was released from my job without explanation. I had to go on unemployment, but unemployment eventually ran out. I had also been married, but things went awry in my marriage, and we ended up getting a divorce. In the meantime, after I lost my job and once unemployment ran out, I have had times that I have had no income. I’ve tried to get aid for the elderly, but the amount provided was not enough to be able to pay for housing. Combined with going through the stuff with the property and not being able to find work I fell into a deep depression, and there were many days that I thought about ending my life and my career. I’ve started going to therapy one to two times per week, which is helping, but my mental health and state of mind is making it very difficult to find work. I would much prefer to work than to be on social security, but I’ve been forced to try and live on a very small amount of money. In addition to my mental health, I've had other medical conditions. I have heart trouble and suffered a heart attack in 2006. I now have a stent in my heart. I have been diagnosed with diabetes & high blood pressure. September 22, 2013 I was struck by a car on the corner of my street further adding to my health conditions. Since February 2013, I have been receiving Social Security which is giving me a steady income of $776 per month. I am willing to use some of that to be able to stay in my home and prevent another property from becoming vacant on the street. There are already 8 other vacant properties, at least 5 of them are owned by banks after foreclosure. I moved to Springfield on February 7th of 1967. Growing up in Springfield, I went to school here. I’ve worked in my community my whole life. Through working at a homeless shelter I have gotten to know many people. I stay involved in the community to plant seeds and support people all over, from youth to adults, in changing their lives through faith and god. Owning my own home, people in the neighborhood have asked me to help do landscaping work all over my street, because I used to be able to keep my home up so well. Together we’ve been able to build a good community to live in in Pine Point. I am part of the Springfield Bank Tenant Association. We are collectively opposed to the mass evictions being carried out by the banks after foreclosure. If necessary we are prepared to organize an eviction blockade and my neighbors are prepared to stand with me to fight any attempt to evict me by Fannie Mae,
Bank of America: Reverse Illegal Foreclosure Sale Keep Family in Their HomeAs a senior citizen, and father, my wife and I have worked long and hard putting all our money into our home for retirement. This has been home to our children, family, friends and pets. We’ve celebrated holidays, birthdays, graduations, etc. We’ve poured our hearts and souls into our beautiful garden, improvements and updates. We have nurtured great neighborhood relationships. If the Bank of America is allowed to needlessly steal our home and evict us, then we’ll have lost everything. THE BANK OF AMERICA SCHEME Like so many other good Americans the Wall Street financial crash hurt our income. We entered the HAMP program in good faith and with clean hands—with a PERFECT PAYMENT HISTORY and GREAT CREDIT. Upfront we qualified and innocently believed the Bank of America wanted to help us. However, as time went on, we felt MISLEAD and TAKEN FOR A RIDE just like the millions upon millions of unsuspecting homeowners who’ve been unlawfully foreclosed upon. BANK OF AMERICA CREATES UNBELIEVABLE DEBILITATING STRESS The Bank of America made this entire process so onerous it was causing sleepless nights, excessive stress, headaches, vision problems, back pain and relationship problems. Even during the modification process (WE NEVER MISSED A PAYMENT) the Bank of America’s negative credit reporting spoiled our credit and began affecting my business reputation. Even though we HAD NEVER DEFAULTED we had to declare bankruptcy to stop a foreclosure sale. Never in my life did I dream I’d ever be in this kind of situation. Something was not right but we couldn’t put our finger on it. At first we thought we did something wrong. I was EMBARRASSED. I felt GUILTY like I let my family, neighbors and the Bank of America down. Yes, I actually thought for a time I was a bad bank customer!!!! Onlookers who didn’t understand the banking schemes would say, “Just pay your damn mortgage!” You don’t hear much about their clever BANK SCHEMES and how they routinely take advantage of homeowners on the 6 o’clock news. By every calculation and requirement, we qualified for this loan modification. SOMETHING STINKS AROUND HERE Bank of America lost the first two sets of documents, gave us endless/senseless runarounds, made communication impossible by changing reps with every phone call we made. A clearly stated three  month trial period shockingly turned into sixteen  timely payments. Bank of America accepted and cashed every check leading us to believe they were sincere about providing a legitimate modification. After pressing the Bank of America Office of President and CEO for our modification instead we discover that our family was kicked off the program at the [9th] ninth month because as they claimed, "THE RULES CHANGED!" We even paid four  of our regular monthly payments after Bank of America kicked us off the program until the bank stopped accepting our checks and threw us into foreclosure. LOOKING DOWN THE RABBIT HOLE OF COMMON BANK CORRUPTION Perplexed we hired expert Eva Jo Sparks a competent and well respected forensic mortgage auditor. Ms. Sparks conducted a detailed 165-page investigative report and discovered: 1. We are not now nor have WE HAVE NEVER BEEN IN DEFAULT with the Bank of America. 2. Ms. Sparks team revealed a surprising litany of bank "IRREGULARITIES" that add up to fraudulent practices—the kind of illegal acts that got the Bank of America fined billions upon billions and recently yet another 17 billion for wrongful foreclosures. Our case was escalated to the U.S. Treasury for HAMP violations yet the Bank of America arrogantly disregarded the investigation and foreclosed anyway. The Bank of America worked with FREDDIE MAC, Trott & Trott to foreclose on our home. David Trott's foreclosure mill has by his own count put more than 80,000 families into the streets of Michigan in just one year! David Trott is running for Congress. Is this foreclosure king the kind of character we need representing citizens in Congress? On November 27th of 2014 we will be evicted unless you and your friends can help us stand together to let the BANK OF AMERICA know it cannot continue to steal homes from good Americans. WHO’S LOOKING OUT FOR HOMEOWNERS? As an honorable VETERAN, like my father and brother, I enlisted in the armed services to protect our free enterprise way of life. I’m proud of that fact. But today, I feel like I’m back on the front lines fighting for my life, family and home from FREE ENTERPRISE BANKING GONE UTTERLY MAD for their own profit motives. We must pull together to stand up to bank tyranny. Please help us by spreading this tragic and true story.
Bank of America is trying to steal my homeI have my life savings in this home. They told me to fall behind to get the modification. I never would have. I could have rented it out and made a profit if they hadn't promised me that I qualified. This has been a five year battle and they are about to take it. I have done everything they asked, about fifty sets of emailed documents over the years, fourteen months of a modification paid early every month and then denied. There is no reason they can't modify, they just want to steal it and make a profit. Please help, it is criminal what they are doing, but they always get away with it. No matter how many penalties they are fined, no matter how many employees come forward, it just doesn't seem to matter to the government. We paid to bail them out & they could care less about the American homeowners. They certainly do not live up to there name!!!
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
STOP BANK OF AMERICA FROM EVICTING A FAMILY OF 4!Mr. Andrews Acheampong is married and raising two small children in Ferndale, MI. He works as a truck driver. Like so many families, Andrews found himself getting fewer and fewer hours at work. The family’s income was decreasing, while the mortgage payments kept increasing. Andrews reached out to Bank of America for a loan modification and in 2009 he received a trial modification reducing his payments from $1,260.79 to $997.17. Andrews ‘trial modification stated that if he made 3 payments he would receive a permanent loan modification. Andrews made 5 payments before Bank of America refused to accept any more payments. Andrews then received a letter from the eviction firm asking him if he wanted to be reviewed for a modification again. Andrews responded that he wanted to be reviewed, turned in all the information, and still never heard anything back from Bank of America. Bank of America sold Andrews home at sheriff’s sale on November 29, 2011. Andrews has been fighting his case and paying $997.17 into escrow at the 45th District in Oak Park, Michigan for the past two years.
STOP EVICTION OF MILITARY VETERANS! KEEP THE YOUNG’S IN THEIR HOME!Hello, my name is Maurice /Sabrina young we moved to Georgia from California in 2003 for a better life and to purchase an affordable home. In March 2008 on my birthday, we purchased our first HOME at 1390 Shadow Creek! We are presently raising our five children in the home, the newest addition to the family are 3 and 4. To them this is the only place they call HOME! My husband is a military veteran and now works as a trucker for a living. I work as a pre-k teacher for Georgia lottery. My husband became unemployed in 2010 with the income decreased we applied for a modification on the home with bank of America. We filled for a home modification several times in 2011, 2012, 2013, 2014 each time we received notices (we were denied, or addition paper work was needed). We called Bank of America several times to get this issued resoled every time we would get different representatives telling us the modification us going through. We also went through the nice home save program in 2011 as an advocate for us. Bank of America then offered us a mortgage of $1,500, which was higher than our monthly mortgage of $1,100. In 2014, the home went into foreclosure. The last noticed we received on June 1, 2014 form bank of America was the home was still in review. On June 3, 2014, someone came from the Najarian Capital Llc to the door. The letter stated the Najarian Capital Llc brought the home and wanted possession of the property within without giving us a day in court. Please sign my petition asking Najarian Capital Llc to stop their attempts to evict us and to work out a deal that allows us to stay in my home.
Save Special Adapted Housing 100% Disabled Veteran From EvictionThe veteran can pay a monthly mortgage (VA 100% Disability and SSD), and was approved for a loan modification. We have a 6-inches-thick folder full of time-stamped documentation. But between Bank of America and Nationstar actively practicing dual tracking by losing paperwork and correspondences, and their reassigning/replacing constantly shifting (and subsequently missing) bank personnel, any progress was made impossible. The foreclosing circuit court judge claimed in a recent hearing that it was a "federal" matter, so it is now in appeal to the district court. The veteran only wants to forestall eviction and remain in her home that was specially adapted for her needs and use by the VA.
Save Spiegel HouseThe Spiegel children on behalf of Terry and Gale Spiegel are asking everyone to please sign this petition. Terry and Gale Spiegel are being wrongfully foreclosed and threatened to be evicted from their home on TUESDAY MAY 6, 2014. The effects of Wall Street and national foreclosures of millions are affecting one more, the Spiegel's. Their mortgage loan was part of sloppy practices and loan servicing errors, which now have us in this dyer situation. Terry and Gale had their house in litigation for two years. During that time the bank has refused to come to a resolution and not willing to negotiate. If you have ever been to the Spiegel home, you know you are always welcomed with the warmest hearts. "Please, open your heart and help us, save our home" Gale Spiegel. "You work so hard to provide a roof over your head for your family and now it's getting taken right out from underneath" Gale also states. The five Spiegel children are asking you to sign this petition for our parents. We were raised in this house and have shared so many memories that we want to continue. As most of you know, our "already huge family" keeps growing. We never thought we would see our family in this situation, but after doing our own research we are realizing we are not the only ones. Bank injustices and wrongful foreclosures NEED TO STOP!!! Please stop this from happening by signing this petition!!! SAVE THE SPIEGEL HOUSE!!!!!!