- American Home Mortgage Servicing
- Aurora Loan Services
- Bank of America
- Deutsche Bank
- Fannie Mae
- Federal Reserve
- Freddie Mac
- JP Morgan Chase
- Litton Loan Servicing
- MetLife Home Loans
- Nationstar Mortgage
- Ocwen Loan Servicing
- Other/Not Listed
- People with Disabilities
- PHH Mortgage
- PNC Bank/National City Mortgage
- Saxon Mortgage
- Senior Citizens
- Stage: Eviction Defense
- Stage: Foreclosure
- Stage: In Default
- Stage: Post Eviction
- Stage: Underwater
- US Bank
- Washington Mutual
- Wells Fargo
paraplegic Needs His HomeAccess for a wheelchair is important when you have a spinal injury. You need wider doorways to enter, and exit all rooms. You also need bathrooms with showers, sinks and toilets that have been modified to ADA (Americans with Disabilities Act) standards, along with ADA kitchens having access to food to be able to prepare meals. Bedrooms also have to be ADA accessible. I tried to stay in some hotels and fit through the front door of the room with my wheelchair, but was unable to fit through the bathroom door in the same hotel room. I have lived in my Berkeley, California home since 1987. I was misled into taking a Country Wide A.R.M Loan. Country Wide said they would give me a better loan in 6 months. They never did give me that loan. Shortly after they went out of business and Bank of America assumed my Country Wide loan. Bank of America told me that they couldn’t honor anything that Country Wide had promised to me. They further said that the only way they could help me is if I defaulted on my loan. I believed them at that time. Then Bank of America said they wouldn’t help me and sold the loan to Ocwen. I submitted all the documents that Ocwen requested, like I had done for all the other lenders and then said they couldn’t help me nor would they accept any monthly payments, only the full sum. Ocwen then sent me referrals to speak to HUD and H.O.P.E. After I filled out their forms, and submitted the required documents I was told that Ocwen didn’t participate in government programs. Ocwen then sold the loan to Fay Servicing. Fay then requested documents from me. I requested an email address to correspond with them but they were hesitant. Like all the other lenders, Fay said that phone calls were the only way I could correspond with them. I did finally manage to receive an email address. I emailed them and asked why the payments were interest only payments. I also asked for an accounting for both the principal and interest payment combined. I never received an answer by either email or phone. The next thing I received was a notice of sale date of my home. My parents always said the bank will help you. Where is that help? It should be a loan requirement (law) that the loan agency provide an impartial lawyer to evaluate the numerous pages of the loan contract, and advise you to accept the loan or not. There should be an acknowledgement within the loan document of this process. Put your money in a credit union. THE BANKS ARE CRIMINAL!!!!!!!!!!
Call off the eviction!My name is Tommy Cooper and I am being evicted ion December 8, 2014. I have been fighting a maze of confusing communications received from Ocwen in the course of a 2 year fight against foreclosure that has caused me considerable distress—and made a mockery of Ocwen’s trademarked slogan, “Helping Homeowners is What We Do.” In April 2012, Ocwen foreclosed on my house. This news threw me for a loop because I had applied for a loan modification through Neighborhood Assistance Corporation of America (NACA), a non-profit advocacy group that has a strong record of helping struggling homeowners stay in place. I kept living there while trying to work with local housing counselors in seeking a new modification. After a series of applications and denials, I received a loan modification offer from Ocwen on February 22, 2013. Ocwen. In response to the offer, I asked a few questions. They were all standard issue (“please provide an escrow analysis; please provide a breakdown of my unpaid principle balance”). After I asked these questions, there was no response to my repeated attempts to get my questions answered and get my loan modified by Ocwen for a year and half. In July 2014, Ocwen filed an eviction action. I tried everything to defend the eviction, work something out with Ocwen, and find an attorney,. Yet my best efforts yielded nothing until November 2014. I finally was able to get someone at Ocwen to talk to.me On a recorded call, Ocwen told me they never approved loan modification terms to modify the loan in February 2013 and never agreed to modify the loan but if I could provide proof of the approval in February 2013, Ocwen would modify my loan. Two days later Ocwen said that all though proof was valid, they would not modify the loan. Instead, they got an Order allowing me to be evicted on December 8, 2014. I want Ocwen to honor their agreement to modify my loan. The pain and frustration of this ordeal, has caused me relentless anxiety and sleepless nights. For the past two years I been on anti-depression meds as a result of Ocwen's merry-go-round. I am not a “deadbeat” . I just want Ocwen to honor their agreement to modify my loan.
Ocwen: My Home is Everything to Me, Just a House to YouI have put all of my hard-earned money as a single mother into 2 investments: my home and my children's education. People I trusted - my own minister! - including mortgage professionals collaborated to entrap me in a predatory loan which effectively wiped out my equity and could cause me to be homeless. This is not right - my children and I have no where else to go.
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
Save Spiegel HouseThe Spiegel children on behalf of Terry and Gale Spiegel are asking everyone to please sign this petition. Terry and Gale Spiegel are being wrongfully foreclosed and threatened to be evicted from their home on TUESDAY MAY 6, 2014. The effects of Wall Street and national foreclosures of millions are affecting one more, the Spiegel's. Their mortgage loan was part of sloppy practices and loan servicing errors, which now have us in this dyer situation. Terry and Gale had their house in litigation for two years. During that time the bank has refused to come to a resolution and not willing to negotiate. If you have ever been to the Spiegel home, you know you are always welcomed with the warmest hearts. "Please, open your heart and help us, save our home" Gale Spiegel. "You work so hard to provide a roof over your head for your family and now it's getting taken right out from underneath" Gale also states. The five Spiegel children are asking you to sign this petition for our parents. We were raised in this house and have shared so many memories that we want to continue. As most of you know, our "already huge family" keeps growing. We never thought we would see our family in this situation, but after doing our own research we are realizing we are not the only ones. Bank injustices and wrongful foreclosures NEED TO STOP!!! Please stop this from happening by signing this petition!!! SAVE THE SPIEGEL HOUSE!!!!!!
Tell this Third Party Debt Collector to Give the Clarke's their Home Back!,"The collection agencies have traumatized my family and especially hurt my children psychologically with abusive and immoral collection practices including coming to our home on multiple occasions and banging on the door so hard that it shook the whole house.”
Ocwen: Negotiate, don't Foreclose! Keep the Hamilton Family in their Home.We are the Hamilton family and we have roots in our Port Reading, NJ community. Our teenage children deserve to stay in their same schools, to stay in a home full of memories of their older brother who passed away, to have the security of knowing they will not have to move. Our mortgage was predatory from the beginning, with a no-doc, 11% interest loan even with a $20,000 down payment. Ocwen recently settled $4 billion law suit to work with homeowners like us and they need to work with us instead of making yet another homeless New Jersey family.
Stop EVICTION OF GREEN'S HOME// WRONGFUL FORECLOSUREI raised my family here over last 40 years I worked hard to provide a home that someday i could spend my life enjoying my grandchildren in. I now have 4 grandsons n due to the on going threat of eviction my home is falling apart I was foreclosed and only found out what really happened after a wrongful foreclosure I was hung out to dry by my attorneys as well after they took over $20,000 from me then went on to do nothing but wrong filing late filings etc. i don't think it was poor representation i think they were in on it Well i only have till october 12th and they now have a writ of assistance to remove me without having to go before a judge Found out AFTER FORECLOSURE sale that Credit Suisse and Fremont Investment were ordered to write off the mortgages due to fraud. I never knew they had been the holder or whatever of my loan. I BET MANY PEOPLE STILL DONT KNOW! Fremont called me and told me one day to seek out another mortgage that was conventional because mine was readjusting up in interest. . So i did n got a conventional loan from Eastern savings bank, CONVENTIONAL THE loan was riddled with fraud and kept readjusting despite it saying conventional. From $2,600 to $3,660. They made it impossible to stay current. They foreclosed then i found out that they should never have taken on Loan cause the federal court had ordered them to "write off" mortgages. At foreclosure the eastern loan took on another twist it became an "Interest Only" which IS. not what i signed. So i owed the same amount i started with. Also, i was to get $30,000 payout I NEVER RECEIVED THAT EITHER. I MUST GET BACK INTO COURT WITH AN I JUNCTION OR STAY OF THE DECISION what ever it takes, THIS IS MY HOME!!! I and my husband cannot retire although we want so much to do so I have had multiple relapses of Multiple Sclerosis due to the stress this has caused.
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!
Ocwen: Don't Evict Filson Manley From His HomeMy business experienced a downturn during the 2008 economic crisis, and I in turn, got behind on my mortgage payments. I applied for and was given a loan modification through the Home Affordable Modification Program, or HAMP, created by president Obama. When I was approved for the HAMP modification, I was told that it would be made permanent after three months. I made those first three payments, but then in the fourth month, One West Bank rescinded my HAMP modification because they said I had failed to send in one sheet of paper, a balance sheet. They were required by law to notify me in writing so that I could dispute the modification loss, but I never received a notification or a phone call to tell me about it, even though they had my number and called me constantly on a variety of issues. I sent them my paperwork, on time, every time, but One West bank repeatedly and unapologetically lost it. One West Bank bought my original loan servicer, Indy Mac, for pennies on the dollar, after Indy Mac found themselves holding $11 billion dollars in loans, which they were unable to sell in a depressed market. This was after IndyMac spent years making huge profits trading mortgages and a scandal involving fabricated accounting numbers. At that point, One West Bank became my new loan company. I’ve been on the phone with One West bank hundreds of times, and dealing with them has been the most frustrating experience of my life. You’re never allowed to speak directly to a person in authority. Repeatedly, they would tell me something on one day, but when I would call back three days or a week later, the new representative would tell me the exact opposite. It’s impossible to speak to the same person more than once, so every time you call, you have to re-tell your story, but for the most part, they don’t care what your story is, because their job is to take care of the check boxes on the computer screen. All One West representatives are essentially just talking heads on the phone, who act as a barrier between the homeowner and the underwriters and decision makers who you’re never allowed to speak to. Multiply this across 200 phone calls, and you can begin to understand the frustration people feel when dealing with Mortgage servicers like One West Bank. Often, One West representatives would tell me a blatant lie, just to get me off the phone. After my HAMP loan modification was rescinded, One West Bank sent me another HAMP application and asked me to complete it, which took me 3 days. I submitted the new HAMP application, after which One West Bank told me I shouldn’t have applied for it, because I wasn’t eligible for it. After my house failed to sell in the first auction, they began sending me new loan modification applications, three in total, all of which I filled out and all of which they denied. This process wasted hundreds of hours of my time and caused me to spend uncounted time on the phone with them, tracking down lost documents or resending them. This was an egregious waste of my time, and amounted to One West Bank building up my hopes repeatedly, only to crush them. Eventually, I began to feel like I was working within a system designed to keep me hopeful, distracted and occupied while they worked to get my house sold to the highest bidder at the earliest opportunity. I want to keep my home, which I’ve lived in since 1994, and I’m willing to work to do so, but One West bank has proved to be a morass of bureaucracy designed not to help the homeowner, but to speed them down the assembly-line of foreclosure so that One West Bank can make profits from their purchase of the assets of IndyMac. I believe that One West bank cares little about home-owners and a great deal about generating profits at any cost. Their system for dealing with homeowners and managing federal HAMP funds paid for by American Taxpayers is arcane, convoluted, impenetrable and disorganized. I believe this is their way of keeping homeowners at arms length and yoked under a feeling of powerlessness while they accelerate the foreclosure process. I have experienced these feelings times a thousand through this three year process. Now Ocwen Financial Corporation has somehow become the owner of my home in this process and is threatening me with eviction. I just want to be allowed to remain in the home I've shared with my three dogs for the last two decades. After years of fighting to keep my home and two foreclosure auctions that were failed attempts to sell my home, I'm asking Ocwen to negotiate with me so that I can stay in my home.