- 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
Nationstar Don't Evict The El Family From Their HomeThis is a family of 10, one is developmentally disabled, diagnosed with Chiari Malformation disorder and the youngest is 1 month old.The home is close to the hospital where she is frequently hospitalized due to illness.The family had submitted several completed loan modification packages to Nationstar and was waiting for the loan modification to be completed.
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.
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
Stand Up for Our Constitutional Rights by Refusing to Evict MartinMr. Wirth, like most Americans, believed he had the full rights provided to us all in the constitution. When he discovered those many of those rights have been stripped he began court battles to regain those rights for us all. In court this last Thursday, May 29th after being led to believe he would receive a full hearing of his claims, the judge in the case was changed and the new judge summarily dismissed his claims, refused to consider the evidence and court law, and informed Mr. Wirth that he would be evicted in 4 days, on Monday, June 2nd. This has left Mr. Wirth no time to appeal the decision or prepare to leave his property. As Mr. Wirth’s constitutional rights detailed above have been violated, the eviction is unconstitutional and therefore not valid from the moment it was ordered.
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.
Nationstar: Don't Evict the Cavaliers!My name is Annie Cavalier. My husband and I, who have been together for 18 years, and married for 15 of those, bought our home in April 2007. Our home has served as a source of stability for our family through hard times. Now Nationstar is trying to evict us on behalf of Fannie Mae. In 2005 I was diagnosed with a pituitary tumor, which caused me to have frequent & severe migraines. My husband was working and able to pay the mortgage, while I cared for our teenage daughter. Then in 2009, he suffered from a heart attack which left him out of work temporarily. In 2010, after feeling sick for several months, I finally went to the doctor to discover that I was 17 weeks pregnant. I had just turned 41 years old. What a surprise! Due to my age and my tumor, I had to have many ultrasounds and tests during the pregnancy. On May 5, 2011, our daughter was born, 14 years and 3 days after our first. She suffered from digestive problems for the first year, which led to many doctors visits and the most expensive formulas. All of our medical bills and the added cost of a new child finally started to add up and we got behind on our mortgage. Then tragedy struck again. My best friend and brother's wife passed away after she suffered from an epileptic seizure in the bathtub, causing her to drown. My brother, who is in the Louisiana National Guard was left to care for their two children. He was frequently called to monthly trainings and hurricane duty, leaving the kids to stay with my family. Nationstar started the foreclosure process when he was deployed overseas and the children were living with us. Because we had legal custody of the children, we were considered a military family and should have been protected from foreclosure while my brother was on active duty. When I told the representative from Nationstar this, she remained silent and said there was nothing she could do. Last year, as our foreclosure sale date was fast approaching, we were contacted by a company that claimed they could help stop the foreclosure and get us a modification if we paid them a fee up front. I did everything that the company asked, and waited to hear back. Several months went by and we heard nothing from them. Then I got a call from our servicer, Nationstar, letting me know that our home was set to be sold on September 4, 2013. With some help, we managed to get the sale postponed, but despite all of our efforts in court, Nationstar sold our home on November 13. On March 18, the sheriff served me with a 3 day notice to vacate. I've managed to hold them off so far, but the sheriff could be back any day. Please sign our petition, and ask Nationstar to stop the eviction and work with our family to keep us in our home.
Nationstar: Don't Evict the Hultner's from their home.***Update: On 3/13/14, the FHFA delivered an investigative report that uncovered an unknown Active Sheriff's Sale of 4/12/14, while on the same day Nationstar stated to the Oklahoma Attorney General and OKDOCC that the loan's status was falsely on hold (due to actual fraud, Nationstar Mortgage LLC could never have legally pursued any foreclosure action at all against the Hultner's, and had the Hultner's been aware of Nationstar's fraud and had the Hultner's attorney actually verified the loan charges before the answer was filed, the Hultner's would have been able to legally rescind their mortgage to prevent Nationstar Mortgage LLC from illegally collecting any loan charges at the Hultner's closing). On March 5, 2014, the Hultner's found an attorney who represented them with OK AG funds called Restitution Oklahoma, and who failed to review the Nationstar account prior to filing an answer to the petition on 4/21/14, causing the Hultner's to have an incomplete answer filed in the court record. On 7/14/14, after hiring a second real estate agent and having at least one buyer fall through, the Hultner's finally sold and closed on their home, with a loss, due to false filings, of at at least $11,000. After numerous complaints about false credit reporting due to the unlawful changing of the type of loan stated in the note, and unlawful filings against the Hultner's, from 10/2014 to current day, Nationstar Mortgage LLC sent the Hultner's a false 1098 for 2014. The Nationstar Mortgage LLC VP of Customer Relations was recorded on 2/25/15 threatening, intimidating and humiliating Sherri Hultner in a recorded conference call that was held in front of his executive staff, all while they laughed at Mrs. Hultner. While this Executive laughed, he told Mrs. Hultner if she found a genuine error, he'd be more than happy to help her. On 3/26/15 Sherri Hultner discovered that at no time for 5 months prior to the legal filings, did Nationstar ever follow any of the Hultner's Notes terms. Sherri Hultner notified the VP of Customer Relations and Nationstar Mortgage LLC immediately retained an attorney. Finally on 8/30/15, Sherri Hultner discovered that Nationstar had illegally changed the "TYPE" of loan the Hultner's had from a 7/1 ARM using 1 Year Treasury Indexes to using 1, 3, and 6 month LIBOR indexes that were adjusted monthly instead of once annually, all without giving the Hultner's a new note to sign, giving a notice of change, and in fact spent 2 years fraudulently concealing the fact that they did so, in an effort to conceal the fact their filings were fraudulently filed and that Nationstar is guilty of actual fraud in what they did to the Hultner's. The Hultner's signed a settlement agreement agreeing not to discuss anything that "didn't conceal fraud" in exchange for a very small settlement, because no attorney was financially interested in representing the case, and because the previous Hultner attorney's refused to continue to represent them, due to their negligence, and they in fact sent an odd check for $500 to the Hultner's due to their "feeling bad for what happened to the members of the Hultner family". When asked in writing to explain if the the check was a settlement the partner on the Hultner case stated in writing that "No, it was not a settlement". As of 3/2/16, Nationstar Mortgage LLC has stated in 7 different recorded admissions, with 2 coming straight from their loss mitigation department, that Nationstar at no time in 2015 paid anything to the Hultner's and have refused to issue a 1099 Misc. for 2015, yet oddly their local attorney continues to send incomplete and false 1099 forms, with no Nationstar phone number and a false mailing address to Nationstar in Dallas, Tx.. This violates IRS rules and Federal laws, and due to fraud disallowing any reporting on Sherri Hultner's credit reports of any late payments during the time period of the actual fraudulent servicing and changing of the terms of the Hultner's note. Nationstar is continuing to violate the FDCPA, the Oklahoma Consumer Protection Act, the Oklahoma Safe Act, and FCRA. On 9/11/15, the Hultner's enacted their 3 Year Right of Rescission due to fraud that wasn't apparent in false billing statements nor immediately overtly apparent on the false payoff statements, and on 12/18/15 took a compromised settlement of part of their loan charges that were illegally collected from the Hultner's forced sale on 7/14/14. It is possible the Hultner's will continue to pursue legal action against Nationstar Mortgage LLC to collect the rest of the $11,000 in illegally collected loan charges along with damages due to the above stated statutory violations, due to Nationstar Mortgage not having any knowledge of a settlement and not providing the Hultner's with the appropriate tax forms as the IRS defined payer, and for falsely and knowingly reporting and verifying false information to Sherri Hultner's 3 credit reports for 2 1/2 years, specifically false based on proven actual fraud. Sadly, the OK AG's office did nothing and neither did the OKDOCC, who holds and supervises the mortgage industry's licenses. Original Petition: Without a modification and correction of Nationstar caused errors in actual amount due, we cannot do anything to correct or payoff our home to stay in it or even move, and even a sheriff's sale wouldn't be legal because Nationstar adjusted our interest rate too high according to the Federal Reserve's own h.15 index yields on 9/17/13, and before the first payment was ever 30 days late. Without this corrected we may end up without the ability to work and may end up homeless, with no friends or family to help.
Nationstar & Freddie Mac: Reduce Our Mortgage Principal and Interest So We Can Stay in Our Home!: I am a retiree from Lucent Technologies where I worked for nearly 25 years. I was forced to take early retirement because the company went out of business here in the US to take up cheaper operations overseas. My wife and I always wanted to move to Georgia so I took my retirement fund to get our family re-established in Atlanta. We lived in an apartment in Cobb County for 5 and a half years until we qualified for a mortgage with Taylor, Bean, and Whitaker Mortgage Bank. My wife and I have been in our Dekalb County home since 2008 and have made 6 years of memories here. This home has special meaning for us because it’s the 1st property we owned in GA and we were able to finish raising our children here. It’s somewhere they can call home. Since moving to Georgia, I have been a real estate agent, security guard and a substitute teacher. I just turned 60 years old this past November so my wife and I are just 2 years away from collecting my Social Security Insurance retirement benefits. I’ve earned Bachelors and Masters degrees, but still I’m finding it difficult to get hired in this economy at my advanced age. I have knee pain so I’m not able to do physical labor anymore. My wife became ill in 2009. She then worked for the U.S. Postal service as a temp until they downsized and she was laid off. I was laid off of my job as a Security Officer 18 months ago. We were able to get a loan modification in 2011. That went well until I was laid off. We filed for bankruptcy protection, but because we were not able to get meaningful employment, things continued to go south. We have struggled even more since my son got married last March and moved out, leaving us without his extra income. The bankruptcy was dismissed in December of 2013 because we didn’t have enough to pay the mortgage and the bankruptcy fees. At present, Nationstar wants us to hand over the keys for a meagre amount of cash, or face foreclosure. If Nationstar will work with us instead of giving us the run around and issuing threats, we could stay in our home and afford it with my pension and the Social Security retirement income I’ll be eligible for in November 2015. Dekalb County doesn’t need another vacant home and we need the principal reduction way more than the speculative investors buying up houses in our area. We demand that Nationstar work with us instead of foreclosing on and evicting senior citizens.
Keep Senior Citizens in Our HomesWhen I drove into Berkeley Woods Condominium Community in the fall of 1996, I knew immediately it felt like “home”. I had just been thru an ugly divorce & I was ready to make a new start. This felt like the perfect place for me. It was the first place I bought & owned with my own credit & I was very proud of myself. A year after moving in, I was on the Board of Directors for the homeowners association & I served for 8 years, thoroughly enjoying being a part of the day-to-day operation of my community. I was instrumental in initiating neighborhood yard sales & working to preserve the beautiful trees on our property. I have worked closely with the addiction community in metro Atlanta & many women’s groups. My home has often served as a gathering place for these friends & has seen much laughter, tears & fond memories. It has been a safe haven for many & my privilege to share. In 2004, I was laid off my corporate marketing job & decided to try working as an entrepreneur while looking once again for full-time employment. I worked numerous temp jobs & offered my business skills in various private sectors. It wasn’t enough; I was often dipping into savings, 401K, credit cards … until those were entirely depleted. In 2009, I filed bankruptcy. Since then, I have made efforts to work out loan modifications with the mortgage holder, Bank of America, but was told that it was not possible because my income was “sketchy” & unreliable. I am a senior citizen now living on Social Security benefits, occasional temp jobs & various entrepreneurial efforts. My home is in foreclosure & I don’t want to lose it. Nationstar Mortgage LLC now holds the deed to my home & I would very much like to work out a modification that allows me to live in reasonable comfort & security. Thank you.
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!
Bank of America: Modify Our Loan!We have raised our four biological children and two adopted special needs children in this home that we love. After 5 years in our home, I lost my brother to a drug overdose and we chose to take in his two young special needs children. This resulted in a reduction of the hours I was able to work because of the extra care our children required. We have been negotiating with Bank of America for over two years to try to get our loan modified. Working full time to pay the bills and jumping through the Bank's hoops part time to keep our house is exhausting. I was able to return back to work as an EMT and my husband also has stable employment. We have always worked hard to help our community, volunteering with 2nd Harvest Heartland and the American Red Cross, and want to continue to be a part of it. Our youngest children do not transition well and moving them out of their first real home would be tragic. Our four older boys all love our home and neighborhood. Our son often worries that he will have to leave the only home he really remembers. Since we do not have any family in the area our neighborhood it is our family. Keep us in our home by modifying our loan!