- 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
WELLS FARGO DONT EVICT SENIOR C.C. FROM HER HOME!I am a survivor of workplace violence! But I am fighting back against Gov.Pat Quinn and State of Illinois who do not protect working women from Skinheads violent Temps. These Temps take State Workers jobs and don't have permanent work status. Mr. Quinn does not protect working women from sex harassment by a Bully Boss he helps to transfer 6 times to hide from his accountability for his actions!. I need your help to tell Wells Fargo/HSBC I have a Human Right to housing! I need your help to tell Mr. Quinn you cant take away my human right to workplace safety! I want an opportunity for Justice! Justice delayed is Justice denied. We all have a right to housing and fair, equal treatment in our workplaces!
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!
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.
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.
HSBC: Don't Steal Cassandra's HomeMy name is Cassandra Lewis, but everyone calls me Miss Cassandra. My family is about to lose our home of 20 years due to a scam and we need your support! I grew up in Birmingham, Alabama, during the time of the Civil Rights Movement. I was ten years old when the four little girls were killed by white supremacists in the bombing of the 16th street Baptist Church in Birmingham. I have been sharing my experience growing up in the South during the Jim Crow era and have been educating my community about the importance of voting, being active and getting involved. As a young adult I moved to Denver. For the past 20 years, I’ve been living in a modest two-bedroom house that my daughter bought for $43,000. Over the years, this house has been a refuge for many struggling friends and family members in need. We regularly made our monthly mortgage payments for 13 years. However, in 2005 we went through a rough economic time as so many families have experienced in the recent years. We were unable to make the full payments. We were approached by a company called Keep my Home Solutions. They claimed they could help people like us keep their homes when things were rough. My daughter met with some representatives of Keep My Home Solutions and they told her we could refinance our mortgage with them. We would make our monthly payments through them instead of paying our lender directly. The only catch was that my daugher had to agree to be co-owners the company for two years. They said they could help her clean her credit during that time and that at the end of the two years the property would be transferred completely back to her name. They assured us this was not a scam and we trusted them and signed a contract in 2006. We simply didn’t know what else to do. Trusting Keep My Home Solutions was a terrible mistake: They turned out to be a complete scam! Despite repeated requests, they never sent us a copy of our signed contract. From 2006 until 2009 we made monthly payments of nearly $1,200 directly to Keep My Home Solutions. During this time we kept in contact with Keep My Home Solutions and they assured us that everything was going as planned. However, in 2009 we found out that HSBC Bank was foreclosing on her home. To this day, we don’t know what happened to the three years worth of mortgage payments. The only thing that is clear is that Keep My Home Solution never paid our mortgage and never intended to help us; they simply stole our home. HSBC Bank is still trying to foreclosure on us. They say the only way for us to keep our home is to get finance through another bank for $170,000.00 with a 20% down payment. This is simply impossible for us. We are unable to afford lawyers to defend our case. We purchased our home in 1993 for $43,000 and paid our mortgage for 13 years. We then paid Keep My Home Solutions for 3 more years and now we are told that we have absolutely no equity in our home and that we must give the bank $170,000 to buy our home back! If we lose our home, my brother and grandson and I will have nowhere to go. I fear we would become homeless. I am sick with Multiple Sclerosis and my brother is a cancer survivor and we are both on a fixed incomes. Please sign our petition to demand from HSBC Bank that they honor the illegality of the transfer of our home. Our home should be given back to my family and me. Keep my Home Solutions should be criminally charged for their fraudulent activities and return the $80,000 in equity they took from my family. What happened to us is unjust and we need to do something to prevent this from happening to other families.
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.
Demand Banks Stop Unfairly Foreclosing on WidowsThe major banks have a policy toward widows who are behind on their payments, sometimes through no fault of their own, that is worthy of Joseph Heller's Catch-22: widows can't get the mortgage in their names until the payments are up to date, but they can't get their payments up to date until their mortgage is in their name. Millions of women who are trying to catch up on payments after dealing with the deaths of their husbands are now trapped; they can't get current and the banks won't work with them to get them current. And then the banks foreclose on them. The New York Times reported on the plight of Geraldine Bates, who lost her husband last year just after her husband entered into a loan modification agreement with HSBC. Geraldine notified the bank of her husband's death and sent in the first check. The bank returned her payment because she wasn't on the mortgage and now is threatening her with foreclosure, even while she continues to try to pay. http://www.nytimes.com/2012/12/02/business/widows-pushed-into-foreclosure-by-mortgage-fine-print.html?_r=0 No one should lose their house like this. Banks need to change their policies and stop trying to kick widows out of their houses for these outrageous reasons. Please sign this petition to demand that the Presidents of US Bank, HSBC, Wells Fargo, and Bank of America end this horrible practice and work with widows trying to make payments and keep those widows in their homes. We'll deliver your signature to the offices of these banks, and we'll send a copy of these to the Consumer Financial Protection Bureau.
Parkwood Farms WON!A special thank you from Parkwood Farms http://youtu.be/gDwzjAXfr4I http://www.youtube.com/watch?feature=player_embedded&v=ogMdFedbtxg My name is Dr. Marilyn Peterson, and I own the property that houses Parkwood Farms, a therapeutic riding center in Snellville for children with disabilities. My family and I, along with our horses, are facing eviction. I am asking for support – help me save my farm and the important service it provides to children with disabilities. The Sheriff's department arrived on Wednesday with an eviction notice, even though we did not receive a warning beforehand. We have decided to stay and fight. Without the farm, we have no income. One of my sons is fully disabled, while another never leaves the house due to his Asperger's. It was their disabilities that inspired me to begin the therapeutic farm to begin with, eleven years ago. We compete every year in the Gwinnett County Special Olympics, and brought home gold this year. This riding center means so much to so many children and their families, many of whom do not deal well with change. My heart breaks for them, when they find out they will no longer be able to ride their horses. They have come so far. While the eviction blindsided me, I’ve been fighting the banks for over two years now. My case is actually in litigation right now in federal court. I received a predatory loan in 2004, and when I refinanced it in 2011, I was told that the terms would be good for "the life of the loan." What they didn't tell me was that the 'life of the loan' was only two years. The people handling my foreclosure say that so many things are wrong with this that they are doing it pro bono. The contract, the way the proceedings were handled, and even the way I was given the loan are under federal investigation. My loan company -- Everhome Mortgage, based out of Jacksonville, Florida -- went through the magistrate to bypass the federal investigation. So as of last night at 6:30 p.m., no more classes will be held at the Farm. We’re praying for a miracle. -Snellville Patch contributed to this story.
Colorado Family Faces Eviction From FraudWe worked hard all our lives to make this farm a home. My children were born and raised here. What am I supposed to tell my two children? That someone made a mistake on my mortgage papers and because I tried to straighten it out I've lost my home? Because I chose to stand up for what's right I have been punished by the lender and abused by the foreclosing attorneys who thought nothing of forging documents to "clean up my file" so they could take my home. What has happened here is wrong. It is not about being behind on mortgage payments or being in default, we never missed a payment in 26 years before I started asking questions about my mortgage balances. I missed three payments because I was told by Wells Fargo to do so. We trust our financial institutions to give us proper advice when we need it. Our family trusted Wells Fargo to give us the proper information about how to fix the discrepancies in our mortgage. When that did not happen, our only resolution was to refinance. We tried that and were denied, for some reason my income in 2009 was not good enough when it was good enough in 2006. Wells Fargo gave me only one option, modify your mortgage or lose the farm. This was a path of deceit and destruction for our family, and Wells Fargo knew what they were doing when they told us we had to be three payments behind to qualify for the loan modification. There was no transparency, no disclosure, no protections in place for us, no warnings that we could be foreclosed on while we tried to do the loan modification. And, because I raised issues about discrepancies in the loan balances, I was punished by Wells Fargo by having my loan modification denied and payments refused while I was trying to get things resolved. Many of these tactics happened to millions of other American families. I refuse to back down, and I refuse to take NO for an answer. I will have my property back in my name, and I will have my loan modification, and I will NEVER STOP FIGHTING FOR MY HOME. I REFUSE TO BE A VICTIM AND I REFUSE TO BE EVICTED! It may be Wells Fargo's Note, but it's 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
HSBC Bank Robs The Fasi Family of Farm of 30 YearsWe have a large farm, minor children, livestock and it is the middle of the winter. We have no place where we can move all of our property and livestock and some of our livestock are honeybees that cannot be moved in the winter. It is five days before Christmas and we have no housing to move into. We are not physically capable of moving this amount of equipment, personal belongings and livestock in such a short amount of time, and we have not found a place to move into.
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