- 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
Don't Allow Abusive Landlords to Illegally Evict Tenants-Support The Trice Family!!!My name is Teressa Trice and I am a tenant at 5644 S. Seeley, with my family: three daughters, son, three grandkids, and partner. I have lived here and paid rent for the past 4 years. The house that was recently quit claimed (transferred) by CHASE to Nidia Mejia, whom is now trying to illegally evict me. When I first moved in I was paying rent to a CHASE bank account, payable in the name of Ahkeva Calvert (Loivse Benson/property manager). Then Ahkeva Calvert communicated that all payments were to be made by either Money Order or Cash directly. We paid but did not get a fair return for our rent because the building has needed a great deal of maintenance to remain livable: electrical, heat and plumbing issues. The landlord’s response to these issues was not sufficient. For example, the issue of electrical problems was met with the landlord’s solution to bring lamps and place them in the home even though safety was a serious issue along with other electrical problems. To remain habitable my family has paid for repairs with no reimbursement. However, many issues were not within our price range. Because some of the issues to the home were demanding, costly and dangerous I made the decision to call 311. After contacting 311, an inspector came out and immediately noted there were many different violations that should have been dealt with before occupancy. Then the city notified Ahkeva Calvert to appear in court where the city city placed liens on the property. If this were not enough, in 2014, I found out the home was in the foreclosure. Apparently, the foreclosure started on 5.18.2012. In the four years we have lived here, our landlord never notified us of this. Landlords are mandated to do so. We continued to pay rent. As January ended, an influx of mail addressed to Ahkeva Calvert from CHASE started to come. I called CHASE’s 1-800 number and talked with a representative about the information regarding foreclosure; no one called back for a follow up. Although we did not know this at the time, the landlord apparently ‘corrected the mortgage’ on 6.4.2013, possibly a modification. Following this, on 11.13.14 the city of Chicago used NHS Redevelopment Corporation (housing non-profit) to take my landlord to court for the housing code violations and liens. In the same day, NHS then transferred the certificate of the house to itself for $10. Although this happened in November 2014, it was not recorded by Chicago’s Recorder of Deeds until 12.5.14. Additionally, the Chicago’s Recorder of Deeds documented a deal between the Department of Housing and Urban Development (HUD) and CHASE Bank on 12.8.14. This was a deal where HUD quit claimed (transferred) the home to CHASE Bank for $1 on 11.13.14. The next property recording is also 12.8.14 for a transaction that took place on 6.14.2014, where HUD apparently received the property through the Judicial Sales Corporation on 5.24.2014. Hence, CHASE Banks ability to have the property quit claimed to them from HUD. All of this finds its way to 2015, where CHASE then quit claimed the property to Nidia Mejia, my current landlord, for $10. This transaction took place on 3.11.15, but was not recorded until 4.3.15. Starting in the first week of April, Nidia Mejia and company came to my home and threatened me with an illegal eviction: 48 hour eviction notice. She tried to coerce me and my family to sign illegal documentation to get me out. Nidia also calls me from 7:30am-midnight incessantly everyday asking me to leave within 48 hours. Furthermore, Nidia sits out in front of my house, in her car for hours at a time; once she came onto my porch with a crowd of people trying to gain entry. I have had to call the police to get her to leave, on some occasions. All of this intimidation and harassment continues without any court filings for an eviction. But there is no reason to evict me. I pay my rent. I am a part of the community. I even helped clean up the house, as my house was once used as a gang hang out. I fixed that. If I see things wrong, inducing violence, I call the police. My kids are all in school. We are good community members. Please help by signing the petition and passing along!
Chase Bank: Do I Matter?My name is Deborah Graham and I purchased my home in 2003. I am a Licensed Practical Nurse and a Veteran of the United States Army. In 2008, I had my first of many health issues which caused me to start falling behind on my mortgage. I repeatedly contacted Chase Bank to work out some type of modification. Over and over again, I sent in the documents that were asked for but to no avail. I hired lawyer after lawyer and all they did was collect their retainer and left me holding the bag with no help or advice for my situation. After years of going back and forth with Chase Bank, they finally foreclosed on my home in July of 2013. Since the foreclosure, I have been trying to work with Chase Bank's legal team to work out some arrangement to allow me to stay in my home. Instead of working with me, Chase Bank got a summary judgment in court to evict me from my home. At any moment now, they can serve me with a 48 hour notice to evict me from my home! I have an extremely vested interest in my home. I watched them build it from the ground up. All the trees, rose bushes and plants that are on that property were planted by me with my blood, sweat and tears. Every aspect of that home is part of my soul! To Chase Bank this is just another house to make a profit on, to my family and me, this home is our American Dream! I have been pre-approved for a mortgage with Boston Community Capital to buy back my home at its actual value. I am also willing to pay rent to avoid eviction and homelessness. I am demanding that Chase Bank stop this eviction and consider my buyback or rent offers immediately. Please sign my petition to stop Chase Bank from taking my American Dream and removing my family from our Home!
American Residential Properties & WRI Property Management: Keep Michele In Her Home!My Name is Michele Swan, I am the mother of three beautiful children living in Ellenwood GA since June 2006. Despite purchasing the home in December 30, 2003, due to a health condition I required around the clock medical care and was staying with family. By 2006 I was in our dream home, and had the pleasure of raising my children there. After going through a difficult period in my life, I was divorced from my ex-husband February 28, 2012 and subsequently was awarded my home as part of my divorce decision. For the first two and a half years my ex-husband did everything he could to refuse me access to the Chase Mortgage account, in fact he denied my access to even speak with agents. It went on for so long that in May 2013 I had to go to court and explain to the judge that he refuse to give me access to the account number and the payment history. My ex was again ordered to give me access to our mortgage account as a result of the hearing, but again refused. I called time and time again to explain my situation to Chase, but they continued to ignore me despite all of my legal documentation. In June 2014 my ex-husband stopped paying the mortgage in a bid to have me evicted from the home. Despite all of my documentation, including court filings showing he was in contempt of a court order, Chase continued to ignore me and was more than happy to block me from the home’s mortgage account. Ultimately they ended up foreclosing, despite my trying to pay every month and turn the house over to my name. In November I was told my home was going to be sold on the courthouse step in Henry County. By this point I had contacted Chase over and over, I even faxed over a mortgage application, a pre approved mortgage, and my credit score to Chase attorneys in an attempt to show what they refused to do time and time again leading up to the foreclosure. In the end they didn’t care the house was rightfully mine, they didn’t care my children were displaced, all they cared about was selling the house off to the highest bidder, refusing time and time again to allow me to purchase the home. Despite my efforts they went ahead with the foreclosure, the house was bought by American Residential Properties (a real estate investment group) who then in turn had WRI Property Management evict me. I even tried to stop the eviction, and am still battling the wrongful eviction in court, but still they continue to ignore me and caste me to the side in favor of a profit margin. American Residential Properties should sell my home back to me for what they paid for it. All I want is for this nightmare to be over so my family and I can live in our home in peace.
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.
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
Don't let fraudulent banks take away erica and dave's home!We have been living in our home for over a decade. This is the home in which we started our life together, and this is the home in which our daughter Hailey Anne would celebrate her 2nd birthday next week... if we were not being unfairly evicted on Monday. The number of times our home has been shuffled from bank to bank without our knowledge or consent in the past two years is dizzying. Eventually, we decided to look into the validity of our loan to try to figure out what was going on and who we were supposed to be paying (our home has since been taken by Fannie Mae). We realized through our investigation that, like so many other homeowners, we had been victims of robo-signing. Robo-signing is when a bank has thousands of documents signed automatically, without them being appropriately reviewed, or even looked at at all. This practice is very fraudulent, and therefore the banks' documents should be considered null and void. We should not be the ones suffering for their illegal actions. Please support us and our two year old daughter in our fight to keep rightful ownership of our property, or at least to have more time to get the banks to admit to their fraud before we are wrongfully evicted. Take a stand for housing justice with us!
Stop JPMorgan's Unlawful Eviction From My HomeHousing is a human right. How can we be born into a world where our basic life support is not available to everyone? Within a banking operation; How can a company operate by disguising the origin of its product ($), while demanding transparency from the customers’ personal finances? If you don’t believe me, then ask your bank to show you the origin and history of the money that they loaned you and see what happens. I asked this question of my mortgage company and they’ve bullied me to the point of eviction. How can we expect our children to stop bullying each other; when adults are agreeing to being bullied by their bankers? Let’s make a difference for our children and demonstrate that by making a stand for what's important, positive change can result. Bullying can be stopped. Let it rain peace, love and prosperity for all of humanity.
HELP SAVE MY DADS HOME OF 25 YEARSMy father has lived in his home for 25 years. He had the American Dream, family, house, wonderful paying job.... but then he was injured on the job. It took years for him to be back to normal, and when he was, he never really was the same. By the time he could return to work, the economy had already started to fall in Michigan. He worked 3 minimal paying jobs once to keep our family afloat. Last year my mother walked out on him, with her own personal issues decided to run, rather than staying to help my dad and keeping the family together. My father was unable to make the payments just with his income alone. His house TODAY is only worth 40k, yet he owes over 100k on his mortgage. They will not take the time to listen to my father, nor help him with modifying the loan, after 24 years of NEVER ONCE missing a monthly payment of 1000 dollars, for a 700sq ft house. Chase proceeded with the sheriff sale, only for CHASE to REBUY it at 40k!!!!! He has 25 years’ worth of items here, he has his memories, he has his heart and soul in the basement he built himself. During the “6 months” Chase would not answer nor return his calls, and when he shows in person, they hand him a card saying no one is available. He heard from a friend that leasing his home would buy him more time, so he did in hopes to finding a solution, a resource that could help him. Now Chase is trying to say they don't want to honor the lease. It's just one big circle of misery. If a man lived in a house for 25 years, never missed a payment, worked 3 jobs for years to make those payments…. Fell into a hardship, Chase should HELP HIM OUT. This is his house; please sign to help him keep it. Chase's attorney, ORLANS, they have been nothing but rude to his tenant, claiming the lease is false and everyone is lying. He has done everything he can do to try and prevent foreclosure action. Chase keeps preceding and no one has been willing to help him, in claim that Chase is hard to win against. Why won't Chase help my dad? Is it true that in today's society that money is more important than humanity? What’s the point of removing my father, when he could stay and make affordable payments on 40k? I want my daughter to visit grandpa at "grandpas house", the one I grew up in! Please call Christine Ritcher at ORLANS and tell her Francis Lepine should keep his house! 248-502-1545 51st District Court: 248-674-4655 CASE NUMBER: 13-5192-LT Judge Jodi R. Debbrecht Switalski
HELP MY FAMILY STAY IN OUR HOMEI am a single mom of two young boys who has been a teacher and non-profit fund-raiser, but who is now a struggling author home-schooling my kids and doing vegan diet coaching. My ex-husband, a Canadian who was working here as a construction worker, and I were given a "predatory loan" in 2005 for a small single family fixer-upper, our first home, which my children and I still live in. My ex-husband handled getting the loan as our two children were preschool-aged at the time . I didn't realize that the mortgage broker, Long Beach Mortgage Company, was being investigated by the FBI for lending fraud; among other things, they grossly lied about my husband's citizenship, income and savings on the loan application--apparently because they were profiting from every bad loan they made. They also raised the down-payment by $20,000,at the last minute as well as the loan type and the interest rate at the last minute. Now, seven years and a divorce later, my two adorable sons and I are in danger of losing our home. Shortly after the predatory loan, my ex-husband and I got permanently separated, then divorced in 2008. I was able to get one temporary loan modification and to keep up with the mortgage payments, in part through borrowing money from my elderly parents, but when my payments increased to over $1700 per month in 2010 it became burdonsome for my family and I was unable to continue. We had already paid out $150,000 on a home that was now worth, due to the banks irresponsible behavior, only $85,000. I knew that some fraud may have been committed but I did not know whether or not I would be allowed to stay in my home, and my family and I decided the children should live temporarily with my sister in another area while I negotiated with Chase Bank and looked for work (the recession the banks caused made it impossible for me to work in the public school system anymore). This meant that they needed to change schools, where they were living and be separated from me, which was very difficult for us. I negotiated with the bank several times to no avail, giving my relatives reason to believe that I was irresponsible and that they should possibly take custody of my children, but I was able to convince them to let me keep the children with me after about a year and a half, meaning that they had to be taken out of their schools again and move. I was able to convince them to let me keep my kids last year because it had become glaringly apparent from the judicial record that many big banks have been committing crimes against homeowners and that the courts in Florida often decide to allow homeowners to stay in their homes indefinitely. Chase Bank assigned the mortgage to Deutsche Bank this past year. Then, shortly after the children came back, this past spring, Chase Bank tried to foreclose on my house and assigned the servicing rights to Select Portfolio Servicing . At the same time my new business has been struggling, I am looking for work again and I am facing financial distress. I have my first hearing on the foreclosure coming up in December and do not want my children and I to lose our home, because it would cause immeasurable emotional distress for my children--who are already suffering enough--and because it could even mean losing custody of my children to either relatives or foster care and creating even more instability and pain in their young lives. If my loan was based on the current value of my home, $85,000-$130,000, with a reasonable interest rate I could afford to keep it, but I believe that because the title is so clouded and because I have more than paid for the current value of the home, they should grant me title to the home. Please help me and my children to stay in my home with a reasonable mortgage or grant us our home outright, and give us damages for the emotional pain that Chase and Deutsche Bank executives have caused my children and family.
Please help me save my home, my daughter's favorite placeMy daughter has been through way too much in the last few years only to see her father lose his home, this place she loves so much. She has dealt with a life-threatening condition and 3 major brain surgeries, the simultaneous death of her loving grandmother 1500 miles away, multiple serious illnesses throughout both sides of her family... please help me spare this wonderful young lady any more heartbreak. Here are some excerpts from my letter to Chase Bank and their attorney: I do not consider myself to be anyone special or worthy of any sort of extraordinary considerations, however I do wholeheartedly apply these descriptions to my daughter Kenzie. I can't possibly write this letter without tears in my eyes, due to the amount of hardship, sadness, suffering, illness, financial difficulty and death that has befallen our families, concurrent to the period of time spent in this house by Kenzie and I. What has happened while we have lived here: 1. 2010: My job is lost the very day I moved in, followed by a full year of unemployment; in that year... 2. 2010: My mother in California is diagnosed with Pancreatic Cancer: one of the most deadly & serious forms of all. Kenzie has only been able to see her Grandma Ann 4 times in her life, yet they adored each other and bonded mightily. They last saw each other in June of 2009, when I spent my small 401k to drive Kenzie out to California. This was before we knew that anything was wrong with anyone, yet there was this underlying sense of urgency somehow... It was the best money I ever spent. This magnificent road trip occurred a few months before I decided that it was time to move from my apartment of 4+ years, and finally begin to build a future for my daughter, while living in this great little house in Red Wing. 3. August 2010: My 9 year old daughter Kenzie is diagnosed with an AVM; a life-threatening developmental malformation of some of the veins and arteries within her brain. The options were: a. multiple brain surgeries or b. risk of sudden death by stroke and/ or brain aneurism. This condition was serious enough to allow Kenzie to select a wish from the Make-A-Wish Foundation. As you've probably deduced, Kenzie was a true warrior and made it through. She very nearly died during her 3rd surgery, and required multiple blood transfusions in very short order. If any of you have ever spent multiple hours with your child in this kind of situation, then we are brothers and sisters in the greatest moments of intense fear and dread that life has to offer. Upon seeing her heavily bandaged, out cold & wheeled into Intensive Care, I sobbed in such an extreme unabashed way that I never knew was even possible. This amazing young lady considers herself very fortunate now, now that she only has to deal with one lasting effect from this ordeal: she is blind on her left half, in both eyes. I tend to agree, but it pains me greatly as well. 4. October 2010: My dear, sweet, selfless & generous mother, who chose ME as an orphan infant and was the greatest mom a person could ever have, died in a hospice in California 6 months after diagnosis, and before we could get out there to see her one last time. We were unfortunately occupied with preparing Kenzie for her 3 major brain surgeries, which would begin on November 5th (my eldest sister's birthday) at Abbott Hospital in Minneapolis. Were missed the funeral, however my childhood sweetheart read some words I wrote, as an awesome favor to me. (...) (out of space, there is much more) As I said, please don't get the impression that I feel any sort of entitlement or deserved special treatment due to the unfortunate events that we have endured. I realize that compared to many, we are very fortunate people. I only ask that you look inside your heart this Holiday Season, and try to help ME find a unique way to make something positive out of all of this, and to bring my child some needed joy in her often difficult life. I must mention that Kenzie, a true lover of animals and frequent visitor & contributor to the Red Wing Humane Society, has also lost 2 dogs that meant the World to her while we've lived here, and one of those dogs actually saved her life when she was a toddler. A true story, for another time. Please give us one last chance, and please forgive the epic word count of my plea to you. It is TRULY from the heart. Thank you for your time, Alan & Kenzie Pachter
Chase Bank and Freddie Mac: Let Us Buy Our Home!My name is Geneva Parker. I am 76 years old and suffer from acute emphysema, yet Chase Bank and Freddie Mac seem determined to take my home. I bought my house at 737 N Barton, in Stephenville, TX in 2003. Almost immediately after I bought it, my mortgage was transferred to Washington Mutual, which was eventually taken over and destroyed by Chase Bank. My problems first began in 2008 when the same banks that are trying to take my home crashed the economy. I got behind on my mortgage, but with the help of my family managed to scrape up the $5,200 that Chase demanded I pay in order to be current on the loan. I sent them a cashiers check for the full amount but the bank shredded it and told me to find it! My daughter spent every day on the phone for 90 days and ended up being told to drive an hour away to a payment center with cash until the check was refunded or found. Then, collections would NOT take the cash and said come back! So I sent it to my Arizona payment center and they took it. I always paid late charges, but Chase tacked on several hundred dollars for late fees after this, would remove them, then replace them. Once, they claimed I was 4 months behind and it was clear I wasn't! Then in 2011 tragedy struck our family. My son had been in a very bad accident, and my daughter lost her job due to the recession, causing us to fall behind on the mortgage again. My daughter contacted the bank to try and get a loan modification, but after sending in documents and what we could and repeated calls, they kept the payment for a month and sent it back, saying I was in foreclosure. In reading about how so many documents were lost and so few loans approved, we didn't send more in. A notice was posted on my door on Valentine’s Day 2012, notifying me that my home had been sold at auction a week earlier, and Freddie Mac was the new owner. We got the money to reinstate, after another nightmare dealing with being unable to reach Freddie Mac. Five months later, they wanted an extra $2500 more than quoted in attorney fees, so we filed a lawsuit. For a year and half, I’ve been fighting Chase Bank and Freddie Mac in court with no luck and had spent $20,000 in legal fees as of last October and turned down $7500 cash for keys. We came up with the $64,000 in cash that Chase wanted to buy our house back from Freddie Mac. Our balance was only $46,000 at foreclosure time, but the (well known) foreclosure mill attorney's fees, corporate fees, etc., drove the balance up. Their attorney asked for proof of funds and when we asked how they wanted us to prove them, their attorney refused to respond, would not change a court hearing, and cost us another $5,000 in attorney fees. We lost in court. That's when we found that most judges are financed by big banks. We've reach the end of the line in court, and Thursday March 6th was our last day to file an appeal. We won't spend another dime on attorneys, as there are few foreclosure defense attorneys and they are costly. This whole process has been a nightmare for my family, and I'm in the hospital from the stress as I write this, but we’re not giving up now. We bailed the banks out for committing fraud and crashing the economy. It's well documented in movies and in fines levied, yet they refuse to give us a break and Congress won't do anything! We just want to pay Freddie Mac to buy our house, and never hear their name or Chase Bank again. We haven't had a calm day since this started. It's horrible waking up to anxiety attacks every day and we want normalcy again. I love my home and community and don't want to leave.
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!