- 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
Hands Off City Land!According to Atlanta Housing Authority(AHA), land currently valued at $138 million could be sold for a mere $17 million under a secret deal that favors The Integral Group and was arranged by previous AHA leadership. The lawsuit contends the arrangement was never formally approved by the AHA board and runs counter to AHA’s mission, HUD regulations and Georgia law and Constitution. Egbert Perry, CEO of The Integral Group, has argued his company is entitled to the windfall. According to a March 10, 2017 article in the Atlanta Journal-Constitution, Perry said the authority owes him public land at bargain-basement prices because of value he helped create. But Robert Rumley, chairman of the AHA Board of Commissioners, says the increased, current land values result more from the market demand driven by the national trend to live in close-in communities and from massive public investments in amenities such as the Atlanta BeltLine, than from previous development efforts undertaken years ago. “While The Integral Group and previous AHA leadership played a vital role in alleviating concentrations of poverty, current market values have more to do with market trends and where people choose to live,” said Rumley. “AHA cannot and will not relinquish more than $100 million in land just because a private developer thinks he is entitled.” Atlanta is in the midst of a historic affordable housing crisis. We rank #1 in income immobility and the gap between rich and poor is widening every year. With rents increasing along even the unfinished section of the Beltline (in some areas as high as 53%) we simply can't allow a rich developer to steal land in an illegal acquisition just so he can make a quick buck at the expense of everyone else in our communities. .
Atlanta's Renter's State Of Emergency #RenterCrisisATLAtlanta is in a renter’s state of emergency. How many of us have engaged in or overheard conversations with folks in our city about the rising rents and rapidly changing face of our city? Development doesn’t have to be a bad word but what we are seeing in Atlanta right now is the kind of development and wealth extraction that will leave Atlanta totally unaffordable for low and moderate income people. In just a few short years the Old Fourth Ward, home of Dr. King, went from affordable to one of the most expensive places to find new housing in the city, we simply can’t afford this kind of status quo development that leaves renters and low income people behind. Some of the report’s findings include: *Since 2012 Atlanta has lost 5% of its affordable housing every year *95% of Apartments built since 2012 have been considered luxury * 72% of Atlanta neighborhoods are considered gentrified or gentrifying * More than 53% of all renters in the city pay more than 30% of their income on housing, yet many landlords require proof that tenant income exceeds 3x rent We need a movement to build a city that works for everyone, and the release of this report will be the launch of a campaign to push the City and County to begin reigning in unchecked development. The campaign will also focus on renter’s rights, as Atlanta is several decades behind other cities of its size. We hope we count on your solidarity! Real full report here: https://d3n8a8pro7vhmx.cloudfront.net/oohatl/pages/53/attachments/original/1468328705/RSOE.pdf?1468328705 Sumary page: https://d3n8a8pro7vhmx.cloudfront.net/oohatl/pages/53/attachments/original/1468329040/CDPR.pdf?1468329040
PHILADELPHIA CITY COUNCIL: PUT MORE MONEY IN THE HOUSING TRUST FUNDAfter years of population decline, Philadelphia is once again becoming a more desirable place to live. There is increased development in many neighborhoods which results in rising property values and cost of living. While this development can improve our neighborhoods, these changes have already forced too many people out of their communities. City Council needs to introduce legislation that will grow the resources our city needs for affordable, accessible housing and green space so both renters and homeowners can stay in the neighborhoods we call home. As the housing market rebounds the effects of gentrification are displacing long-term residents. There is increased development in many neighborhoods which results in rising property values and cost of living. The overwhelming majority (77%) of new market rate housing built in the past six years is located in portions of North Philadelphia, South Philadelphia, and West Philadelphia. In these neighborhoods, rising housing costs coupled with stagnant or declining household incomes are straining low-income families’ ability to stay in their homes. The cost for Philadelphia’s families in these gentrifying neighborhoods is real. In North, South and West Philadelphia: 50% of renter households are “housing cost burdened” paying more than they can afford on rent; over 30% of homeowners are also spending too much of their income on housing. Displacement due to rising housing costs is also threatening the diversity of our neighborhoods. In North, South and West Philadelphia, the African American population has dropped 22-29% since 2000. Long-term residents are forced to move away from jobs and social networks. Neighborhood-serving businesses are forced to close as commercial rents increase, leaving many residents without access to basic services and local living-wage jobs. Community gardens and farms, sources of affordable nutrition and places where people gather have also been uprooted. City government must take action to curb the displacement that is destabilizing our communities. This requires adopting public policy that encourages equitable development for homeowners and renters.
BARNETT CAPITAL LTD: DON’T DISPLACE TENANTS FROM THEIR HOME AND HISTORYOur struggle is important not just because of our individual struggle as tenants against Barnett Capital, but because of the gentrification of our working class neighborhood of Albany Park. Thousands of tenants have been priced out of our neighborhood due to greedy speculation by corporations like Barnett Capital. Families living in the neighborhood for decades have to move away from their friends and extended family, their children's schools, their social networks, their community centers, their churches, all because of developers’ and speculators’ desire for profit. Because of gentrification, tenants are displaced from the place they call home. By struggling for our right to stay in the neighborhood at an affordable rent, we are forming part of the larger neighborhood struggle against gentrification. The community has power when we organize ourselves! Please join us, ally with us, be in solidarity with us, by signing this petition!
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!!!!!!!!!!
Stand With Peoplestown Residents Fighting Displacement!Tanya Washington: My neighbors and I live in Peoplestown, in Atlanta, Georgia, one of many historic minority neighborhoods across the country that is being targeted for gentrification. I purchased my home four years ago and planned to raise my children here in a neighborhood that I love. The City of Atlanta wants to replace homeowners in Peoplestown with a park and a pond, and it is threatening to take residents' property via eminent domain to achieve its goal. The City claims that flooding in our neighborhood is the reason for our displacement, but many of our homes don’t flood and the City refuses to consider other plans that could address the flooding that does occur and allow us to stay. I believe the City is using flooding as an excuse for moving us out and making room for new residents and development. I have been resisting these efforts for almost 2 years now and I am so grateful to Occupy Homes for their organizing support around helping me and my neighbors to stay in the homes we love! Mr and Ms. Darden: I have lived in my home for more than 25 years. I don’t trust the City when it says that it needs my house to address the flooding. Over the past year I have watched the City demolish house after house on my block. It hurts to go to work in the morning and come home for lunch and see half of a neighbor’s house and then return to work and come home that evening to find the whole house gone. The City sends threatening letters that made some of my neighbors accept small settlements for their homes. I miss my neighbors and I can’t go anywhere in the City and find a house like mine in this location for what the City has offered. It’s a shame and I’m not giving up or giving in! Tanya Washington: The story of development, displacement and gentrification in Peoplestown is happening all across the nation. People don’t want to just move into our neighborhoods they want to take over our neighborhoods. This isn’t fair and we are organizing and fighting the City to remain in our homes. We’ve invested in our homes and in our community and we are determined to set an example of resistance for other urban communities facing gentrification. Most of the residents on the block whose homes flood have moved away and their homes have been demolished. There are only 8 of 28 families remaining on the block and the City wants to displace these residents, many of whom experience no flooding, with a park and pond. The City maintains it is taking homes to save residents from phantom flooding they don’t experience. What I want to know is who will save us, the people of Peoplestown from the City? It is clear that if we don’t fight to stay we will be displaced. We Shall Not Be Moved!
Philadelphia City Council: Put more money in the Housing Trust FundAfter years of population decline, Philadelphia is once again becoming a more desirable place to live. There is increased development in many neighborhoods which results in rising property values and cost of living. While this development can improve our neighborhoods, these changes have already forced too many people out of their communities. City Council needs to introduce legislation that will grow the resources our city needs for affordable, accessible housing and green space so we can stay in the neighborhoods we call home. As the housing market rebounds the effects of gentrification are displacing long-term residents. There is increased development in many neighborhoods which results in rising property values and cost of living. The overwhelming majority (77%) of new market rate housing built in the past five years is located in portions of North Philadelphia, South Philadelphia, and West Philadelphia. In these neighborhoods, rising housing costs coupled with stagnant or declining household incomes are straining low-income families’ ability to stay in their homes. While this development can improve our neighborhoods, these changes have already forced too many people out of their communities. The cost for Philadelphia’s families in these gentrifying neighborhoods is real. In North, South and West Philadelphia: 50% of renter households are “housing cost burdened” paying more than they can afford on rent; over 30% of homeowners are also spending too much of their income on housing. Displacement due to rising housing costs is also threatening the diversity of our neighborhoods. In North, South and West Philadelphia, the African American population has dropped 22-29% since 2000. Long-term residents are forced to move away from jobs and social networks. Neighborhood-serving businesses are forced to close as commercial rents increase, leaving many residents without access to basic services and local living-wage jobs. Community gardens and farms, sources of affordable nutrition and places where people gather have also been uprooted. City government must take action to curb the displacement that is destabilizing our communities. This requires adopting public policy that encourages equitable development that is inclusive of all of us.
Bush Company: Stop the Displacement of 302 Families!The owners of Museum Square apartments have tried everything to get 302 low-income families, mostly Chinese and African American, to move out and make way for luxury housing. The Bush Company, notorious for the destruction of low income apartments in downtown Washington DC, plans to demolish Museum Square and replace it with 825 high-rise luxury condos for the 1%--exactly what DC does not need, in face of an unprecedented housing crisis. “We are rallying to save our homes,” says resident leader Jenny Tang. “The owner has made plenty of money from us, and can continue to make it without putting us on the streets. We hope the owner will change his mind and preserve our homes for the younger generation, a place to stay for our children, that’s what we want!” First, the owners tried to get around tenants’ opportunity to purchase the 302-unit, building by offering it to residents at a price of $250 million dollars, or $800,000 per unit! When tenants banded together to sue the landlord over this unrealistic price, they were given 180-day notices and told to leave. When a judge ruled in favor of the tenants, agreeing that $250 million is far beyond a reasonable price, the owners gave notice that they plan to end the section-8 contract, which keeps the units affordable for low income tenants. Throughout all of this, tenants have organized and taken every step possible to preserve their homes at Museum Square. Museum Square is home to over half the remaining Chinese population in Chinatown, and many other long-term residents. Chinatown has numerous linguistically accessible services and organizations—churches, clinics, community centers and more—for the Chinese speaking population at Museum Square. Many residents are elderly and would face enormous hardship if they had to move. PLEASE SUPPORT TENANTS FIGHTING TO SAVE ALL 302 AFFORDABLE UNITS IN THEIR BUILDING! SIGN THE PETITION; DEMAND THAT BUSH COMPANIES RENEW!
Someone save a kind hearted elderly teacher from foreclosure by Wells Fargo and WMCThis issue is important to ALL senior homeowners who are often become victims of unscrupulous lenders and banking institution practices. The banks are getting away with legalized theft and it is extremely important for everyone to fight these foreclosures, because the banks have received far too much money from us as taxpayers during the bailouts to conduct all these foreclosures.
WRI Trying to Evict Single Mother of Eight?!Vaniyah Bath-Ammi is a mother of eight children all of whom live with her at 3614 Caseys Cove, Ellenwood, GA 30294. She has lived there with her family since 2009. Her youngest child is four years old. The house her family has rented and lives in was foreclosed and sold on the courthouse steps in March without their knowledge. The family is facing the prospect of being put out on the street at any time. WRI Property Management, a notorious company known for hardball tactics in dealing with foreclosures, is handling the foreclosue/eviction/ dispossessory process. Vaniyah's experience with WRI has been sunch a nightmare that all she wants at this point is time to find a new safe dwelling for her and ger children.
STOP WELLS FARGO AND GRAY AND ASSOC. FROM TAKING OUR HOMES DAWN PENNALAI am a single mom of minor children. I have been in my home for 19 years. I take care of other children in my home as well. I own a 2 businesses in my home. I have clients everyday. I am working 3 jobs. I am part of the school JA mentoring tutors in my home. I have been paying my mortgage and chapter 13 payments when you illegally wrongfully put my home into sheriff sale and eviction!
Pacific Western Bank, don't evict Erick & Yong Brillouet from their homeIn 07/2009 we assumed the predatory loan from the seller/developer with the bank, Western Commercial Bank (WCB), approving a "mini permanent 3 years loan" which was going to be homeowner occupied despite not being designed for homeowner occupancy with a balloon payment at the end. Unbeknownst to us we were set up for default because we had no possibility to extend or loan and the bank misrepresented that fact. In 11/ 2010 the FDIC shut down WCB for originating loans such as ours and for other frauds. First California Bank (FCB) took over the assets of WCB and our loan days after WCB was closed down. Hoping FCB would fix the irregularities and the fraud of the prior bank, we reiterated to FCB that our loan was predatory and that we needed an opportunity to have it extended. After going back and forth with the bank, the bank met with us in September and October of 2012 and they initially agreed to extend our loan 5 years as long as we made a $16000 down payment plus $6000 monthly payments and fulfill other miscellaneous requirements. Although it would have been a burden to come up with all that cash we agreed because we wanted to extend our loan and meanwhile we would look for a better deal elsewhere. However two weeks later in mid-October 2012 FCB came back and said that they no longer could give us five years but instead we would still pay as they required according to their initial offer but the difference was that six months later they would decide whether we get our permanent loan or not. This sudden change from the bank was no longer acceptable and was a deal breaker since they had removed our loan guarantee. Promises were made and also promises were broken. Meanwhile we tried to get financing from other banks but we were turn down and repeatedly told that only our current bank could fix this mess. To make matter worst, the county had filed a lien for building noncompliance which was hidden from us by the bank, the developer and the escrow during purchase creating a cloud on title and scaring any potential lender. Then another six months later First California Bank merged with Pacific Western Bank (PWB) and we still had no loan since our loan had matured in November 2nd 2012. In the end of the year 2012 we met an individual name James A. Rojas who introduced himself as a lawyer and real estate foreclosure prevention specialist. Throughout 2013, he said that he could stop the foreclosure proceedings and deal with bank to buy our home at a discounted price. We naively believed him because he was introduced by a friend at the time. Last fall 2014 we found out that James Rojas is a con-artist convicted already of multiple felonies involving real estate fraud. He basically conspired to defraud us over fifty thousand dollars and did nothing on our behalf to legally save our home. Meanwhile PWB completed its merger with FCB in May of 2013. PWB never send us a mortgage statement nor they demanded us to make any mortgage payments. We knew that we couldn't stay in this precarious situation but the bank did not show any signs they would work with us. Instead sometimes in February 2014 the bank send us paperwork for modification and filed notice of default too simultaneously. In June 2014 as we were going through the process of foreclosure, the bank was also processing us for loan modification. So they were "dual tracking" us and visibly had no intention whatsoever to help us with our loan. Their actions were dishonest, without any commitment and demonstrated a complete lack of integrity and bad faith. Finally late July 2014 they initially emailed us informally their denial to modify our loan and they send us later a formal notice of denial. Next they refused to talk to us and directed us to talk only to their attorney while they proceeded with the trustee sale thereby shutting the door on us and on any possibility to reapply for loan modification and/or extension. In spite of Pacific Western Bank trashing our credit, In 03/2015 we managed to get pre-approved for a loan to buy back our home. We offered the bank $100k over the the appraised value and $35k over the price the bank paid for. The bank did not respond; PWB wants to extort an additional $300k to $400k above the market value. In the middle of may 2015 , we found out the guarantor paid $250k to the bank settle a claim for our loan. The bank won't accept any amount of money from us, wants to continue eviction and sell our home to somebody else for less. This house that we've made our home is for us the accumulation of years of hard work. It is our life and it is irreplaceable. We are willing to move on and forget about this wrongful foreclosure. We have four cats and a dog and we have no place to go, we have no family here and can't rent anything since our credit was ruined by the bank(s). We want our home back and we can make payments or we can manage to buy back our home. Thank you for taking the time reading and your support.