- 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
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!
Wells Fargo: Stop Foreclosures & Pay Us Back! (Morristown, NJ, not Palo Alto, CA)We have all heard that "a divided house will not stand," and I, a 62-year-old woman in distress, left struggling alone -- fighting Wells Fargo Bank's and its cohorts' corruption, can tell you that firsthand. When there is a land grab like the one today, unscrupulous, opportunistic people -- including your enemies, will play on any division in your family and create it to take your family's home. Many families are losing homes this way today. In 2001, my mother died without a will and her small -- estate has been pending ever since due to the aforementioned reasons. She had owned the home for fifty-seven (57) years. Immediately after her demise, family enemies instigated division in our family to force a court-ordered sale substantially below value. In fact, in February 2009, to expedite the sale, they tried -- unsuccessfully -- to get me committed to a hospital psychiatric ward to disempower me as co-administrator of the estate. When the court-ordered sale failed, they targeted a Wachovia Bank -- now Wells Fargo Bank mortgage and Personal Equity Line (PEL) loan, opened to repair the property for sale. Their intention was cause court battles to drain the equity in the estate, and they did, with the help of Wells Fargo Bank. However, this is also how I discovered the bank's fraud. In collusion with these enemies, Wells Fargo Bank allowed an estranged nephew being exploited by them to use what appears to be a fraudulent power of attorney to take the remaining equity in the PEL account. He has no interest in the estate or PEL account. My name is on the account and I am the only one who had ever paid the bill, yet Wells Fargo never gave me a courtesy call when the fraud occurred. Temporarily, Wells Fargo replaced the funds but then closed the account, at least to me! Without notifying me, Wells Fargo held a private meeting, gave the funds to my nephew again, then sent me the bill and pre-foreclosure notice! As a result, I am suing Wells Fargo in federal court (United States District Court for the District of New Jersey, Civil Case No.: 2:12-cv-01932-KM-MAH). My attorney took the case on contingency. Wells Fargo's foreclosure mill lawyer is unlawfully representing my nephew, causing the court to favor him and punish me! In fact, after Wells Fargo gave the funds to my nephew, he underhandedly purchased my late brother's home, taking it from his children. When my attorney deposed him, he asked him if he used the PEL funds to purchase the home, and my nephew told him that someone named Felix gave him the money. My attorney then asked for Felix's information so we could investigate the lead, but Wells Fargo's lawyer told my nephew he did not have to answer the questions. More than a year later, the court has still not impelled my nephew to answer the materially-relevant questions and has allowed him to commit perjury with impunity. As usual, Wells Fargo and its cohorts are making me the public scapegoat, falsely portraying me as a deadbeat who does not work, and who refused to rent an apartment which needs repairs. I had a well-paying job until my adversaries created a false charge to make me lose it, so I could not pay the bills. The people involved also interfere with tenants. Once, I had to have a lawyer send them a cease and desist letter. Despite its egregious misconduct, Wells Fargo refuses to settle my case. Instead, it is delaying it to wear me down by inflicting legal abuse upon me. Wells Fargo's and its cohorts' misconduct keeps me inundated with oppressive paperwork, and places me under considerable stress -- harming my health. Property is being vandalized to harm me too. My mother's home was in good standing and was not in danger of foreclosure, until Wells Fargo aided and abetted the people involved. Now, the property is in jeopardy, my good credit is destroyed and I am struggling alone to survive. I sent Wells Fargo a letter withdrawing a life insurance policy, but I never received a response. My case is important because it shows you the necessity of maintaining family unity when a family member dies intestate, and because it tells you how your enemies can use banks and courts to bully you, to take your family's home to humiliate, degrade and destroy you, and to make you homeless in retaliation for exercising your constitutional rights! Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
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!!!!!!!!!!
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.
Wells Fargo, Don't Evict Vet and his Children Before Christmas!My name is Joseph Martinez. I am a United States military veteran, and a single parent of Phillip and Joseph Jr, aged 11 and 4. The Rochester City Marshal has informed me that I will be forcibly evicted from my home as early as December 9th. On April 1, 2014, I signed a year lease for 189 Alameda Street. Approximately two months ago, I found out that the house I live in was being foreclosed. Despite presenting a copy of my lease to Wells Fargo, I was informed that the bank would be trying to evict me on December 8, and they wanted me to pack up and leave. Not honoring my lease is in direct violation of the Protecting Tenants at Foreclosure Act of 2009. For me, having a stable home in a positive environment is crucial for raising my children. Having to move would surely create instability. In addition, being so close to Christmas will add additional stress both financially, physically and emotionally. As a veteran I would expect Wells Fargo to be understanding and support me in my wish to stay at least to the end of the lease. I chose Alameda Street because of the proximity to an excellent school with a great sports program where my son, Phillip, can thrive. One month ago I was given sole custody of Phillip, and being able to provide a stable environment for him was one of the deciding factors for the judge. It would be unfair to my son to have to pack up three weeks before Christmas with no home to move into. I am asking Wells Fargo to call off the eviction and negotiate with me so that my sons and I have a place to live for Christmas and beyond. If they will not grant my request, I will be working to peacefully defend my home with the help of Take Back the Land Rochester and other members in my community.
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
STOP EVICTION OF MILITARY VETERANS! KEEP THE YOUNG’S IN THEIR HOME!Hello, my name is Maurice /Sabrina young we moved to Georgia from California in 2003 for a better life and to purchase an affordable home. In March 2008 on my birthday, we purchased our first HOME at 1390 Shadow Creek! We are presently raising our five children in the home, the newest addition to the family are 3 and 4. To them this is the only place they call HOME! My husband is a military veteran and now works as a trucker for a living. I work as a pre-k teacher for Georgia lottery. My husband became unemployed in 2010 with the income decreased we applied for a modification on the home with bank of America. We filled for a home modification several times in 2011, 2012, 2013, 2014 each time we received notices (we were denied, or addition paper work was needed). We called Bank of America several times to get this issued resoled every time we would get different representatives telling us the modification us going through. We also went through the nice home save program in 2011 as an advocate for us. Bank of America then offered us a mortgage of $1,500, which was higher than our monthly mortgage of $1,100. In 2014, the home went into foreclosure. The last noticed we received on June 1, 2014 form bank of America was the home was still in review. On June 3, 2014, someone came from the Najarian Capital Llc to the door. The letter stated the Najarian Capital Llc brought the home and wanted possession of the property within without giving us a day in court. Please sign my petition asking Najarian Capital Llc to stop their attempts to evict us and to work out a deal that allows us to stay in my home.
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.
KEEP SARA MURRAY & JOHN "SPEEDY" FISHER IN THEIR HOME!Hello, my name is Sara Murray & my family & I are victims of mortgage fraud. We are a family of 6 with twin 14-month old granddaughters. There are four generations of our family living in our home at 340 Glenloch Ln. in Stockbridge, Georgia. Our mortgage closing was July 27, 2006, & it was attended by my husband & me, the former owners & their children, lawyers, & a notary. We were signing a 100% fixed rate, conventional mortgage for 30 years. The next day we got a call from the lender & they said our papers were messed up, so we had to come in & sign them again. This time, only myself, my husband & the notary were at the closing. My husband & I believe the lender changed the terms on the second set of documents we signed. They have my name on documents on dates on which I was NEVER THERE! We've contacted SunTrust many times since 2006. They said everything was correct or didn't answer our letters. We got an anonymous call in October of 2010 that said we had a fraudulent loan & should file a fraud claim. Since then, we've hired several lawyers. While we try to keep the family out of it, the legal fees are putting a strain on our household finances. On December 17, 2012, the FBI interviewed me at the house about why we had 5 security deeds. The criminal case is still open. After the closing, our payments adjusted so that they were more than $600 more a month than we agreed to. We had been able to pay, using up our savings & because our son & a friend were staying with us & contributing to the household. Our loan has been transferred to Seterus & we need them to lower our payments to make our home more affordable. We need your signatures on this petition to help us save our home. Help us fight this injustice!
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!!!!!!
DISABILITY MOM FORECLOSED AND BEING FORCED OUT AFTER PAYING IN FULL ! ON HER FAMILY DISABILITY UNITShe is being forced out in may 2014 !!!!!!! here is her story !!! In 1995 my husband and I purchased a building in Chicago in the Old Town neighborhood. In 2002 I was diagnosed with Multiple Sclerosis also known as MS. We needed to make our building handicapped accessible, as my i lost the ability to even struggled to climb thirty-two stairs to the second floor. Eventually confined to a wheelchair, On 09 August 2007, we decided to sell our building to IT2K Development LLC. We would retain our custom handicaps accessible condo in the building for price of $630,000.00, which would also include twosome handicap parking spaces. IT2K Development agreed to make the new building handicap accessible as well as the new anticipated condo home. We paid the full amount and IT2K development used $630,000.00 of our money to help finance the new construction of the building, along with a construction loan from American Chartered Bank. After two years of construction, and approval from the bank we moved into our unit. First our wide disability parking spaces were sold off and the following months we began too see the act and relationship history between the bank and the developer unfold. Our deed was being held ransom! With out warning and all units sold they defaulted on the loan agreement that started in 09 August 2007 and ended on 09 August 2009 and kept our money. They wanted us to pay again or leave. After fighting in court, A judgment of foreclosure was received against us on the 19 June 2013. We have fought for years Now, we are being forced out of our home May 2014 and we are asking for your help to keep what is rightfully ours. Thank you for your support and helping us fight for our home.
Keep Tammy Doe in her home!My name is Tammy Doe and I purchased my house in 1996. This house is family and I have raised all of my children here. Those memories linger on because we have been here for so long. All of my children went to school in this neighborhood, finished high school here, and started college. 3917 Leisure Woods Drive is more than an address--it's our life story. I worked with EMC mortgage and was approved for the HAMP program to reduce my payments in 2009. I was making payments on my modification on time. When my mortgage was transferred to Chase in 2010, they told me that I did not have a HAMP modification and that I was not eligible for a modification because the record was unclear. No one could identify who owed what to whom! Chase foreclosed on this house and I was able to have it stopped. In 2013, an independent foreclosure review issued me a check for $300.00 as a settlement for deficient mortgage servicing and foreclosure processes. Three hundred dollars is just gas money! I've hired a lawyer to help me with a wrongful foreclosure suit, but while things are still unresolved, my family and I have lived in fear of eviction. In April, I received a dispossessory warrant from ColFin Al-GA 1 that said we were in our home after the term of a lease. I have never signed a lease and I had never heard of this company! Why would I rent the home I have owned for 18 years? I did some Internet research and found a page that said Colony American Homes purchased my home for less than half of what I paid. When I contacted Colony about this, they said they buy homes at foreclosure auctions to turn them into rentals. There is no record that my home sold on the date they say they bought it! We haven't had our day in court and Colony is pushing to evict my family from our home of 18 years. I want to keep my home and my family together. Please sign my petition.
Tell the City of San Antonio: We Will Not Be Moved for their "Decade of Downtown"! No Nos Moveran!The Mission Trails park has been here for at least 35 years. There are about 125 mobile homes and hundreds of residents. Some of my neighbors have been here since the park began. Everybody knows everyone and we are a very tight-knit community where neighbors take care of each other. Any time there has been a problem within the community, we have come together to fix things. Many years ago, school buses did not even stop here, but we organized to get bus service for the children of our community. We have also done much of the maintenance work on our homes that management has neglected. For instance, many residents have had problems with water, electricity and gas that management has not fixed despite service requests. Unfortunately, the city and the developer and even the city councilwoman are using the excuse of bad management to say that the park should be condemned and that we should be relocated. The problem is that not everyone living here has the ability to leave and start over. While I can work more hours if I have to and help my parents with the cost of a move, there are many elders in the community who are on fixed incomes. There are many families with school aged children who don't want to have to pull their kids out of school and re-enroll somewhere else. Also, where would we go? This is an established community and most of the trailers here are older--the one we live in for instance was constructed in 1984. Many trailer parks in the city will only take homes that have been built in the last 10 years. More importantly, we don't want to go. This is our home. We want to stay here. If the owner is going to sell, he should sell to us first, so that we can own the land together. If we could do that, we would be free of the fear that American Family Communities would try to sell the land again and evict us. Already the management has threatened that if the rezoning doesn't pass, they will keep raising rents to the point that everyone will have to move on their own. In the meantime, we need help in pressuring the San Antonio City Council to say NO to the developer's request to rezone the land. The owners can't sell unless the city rezones the land first. And it's the job of the city to listen first not to greedy developers and their powerful lobbyists, but to the residents of the city. We have already won an important victory at the zoning commission, which moved to deny the request. Now we need to persuade City Council to do the same. The City of San Antonio wants to be known as a "city on the rise." Let them know that people all over the US are watching what the city does in this case to see if they live up to their intentions. We ask everyone reading to contact our City Councilwoman Rebecca Viagran and ask her to meet with us and support us in staying in our homes. Please call Ms. Viagran's office at 210.207.7064. You can also contact Mayor Julian Castro's office at 210.207.7083 (Chief of Staff) or 210.207.8448 (Mayor's Assistant).
Midfirst Bank: Don’t take The Hardy’s Family Home!My name is Beatrice Hardy. I’m a working woman, a mother of three, and a grandmother of six. I am seeking to negotiate with the bank to stay in the home that our family use to own before it was lost to foreclosure. MidFirst bank now claims to own the home and is seeking to evict us from this house, board it up, and leave it vacant. For decades, this has been our home and we are seeking to find a solution that will keep it in our family. According to property records, our home is worth an estimated $118,758.79 I purchased this home in 2000 for $59,000. Since my purchase my mortgage has been sold to multiple banks. Unfortunately personal misfortunes joined with the recession my life began to unravel. In 1991 I lost my husband which placed me in a deficient with three children from age 3 to 10 to raise on my own. Nevertheless, I never saw myself as a victim and was able to support my three children as they pursued their degrees and secure jobs to bring better income. In 2000 I purchased my home making 8.25 an hour and went to school full-time as well. Responsibility of raising three children on one income was a day to day challenge, I never so it as a hardship. As of February 2009, I lost my job and began receiving unemployment benefits. During that time I looked diligently for work and worked odd jobs, I created jobs, named it I did it. Therefore, I created me a job. I work with various organizations in the community teaching life skills through art. I have used my home to start a summer art camp. Violence in my community has given me the opportunity to pay it forward to the youth and families in the Roseland community. 2010 I have begun to receive calls from my son’s friends in Dekalb, IL that he was acting strange. He went missing for some time. His actions caused me to spend time back and forth trying to locate him. One day his friends found him in 2010 and brought him home. It was obvious something seriously was wrong with him. As far as the job and financial opportunities was beginning to look up again. One day I was called home by my neighbor stating that my son was acting strange. I came home and realized that his situation was worse than I thought. His behavior did not allow for me to leave him in the home alone. I tried to get support for him but I was unsuccessful because of his age. He began to be violently aggressive, police were called numerous times. His behavior became unsafe for himself and me. I sought all the resources that were available. They all stated because of his age he will have to ask for help. However, he was not mentally able to make that decision. This went on up until November of 2011. In which that time his aggressive behavior were directed at me, so much so, the police was called and he was taken to Jackson Park Hospital. I then received calls that he left the facility. Now he was wondering on the streets of Chicago until I was contact in January 2013 that he was hospitalized at Northwestern. Through the grace of God and friends, my journey started at the age of 25. I am now 52 and I am tired. I did all that was asked of me and justice was not there. For twenty seven years me and my children have endured a lot. No more will allow the system to keep taking from me. I am only human; therefore, that is when everything took a toll on me. Life challenges finally broke me down. As a veteran of the United States, single mom who handled life obstacles, I am asking for justice and compassion. Grant me and my family the opportunity to keep our home. Now that I was able to work with my sons case manager to house him I finally had time to focus on me. Since then I have secured several employment opportunities and to provide the youth in the community with a place (my yard) to come to for comfort. September 2013 my home was sold back to MidFirst bank at the auction. I tried to stop the sale and the judge denied it. We got a notice from Midland Mortgage/Midfirst bank and a real estate agent with Kallen Realty Services. I had know these people or how they are involved. At this point I do not know who own my home before and after foreclosure. Ihave received serval phone calls from Midland Mortgage and a letter to seeif I am still living in the home. With this information, MidFirst Bank are preparing a summons to evict my family and I from our home. We are currently in court fighting the eviction.
Cogsville Group, Keep the Schlegels in their home!Laura, her son and 3 small dogs have lived in their Portage Park home for the last seven years. With the help of a partner, she bought the home in 2006 for nearly $400,000. After the market crashed, they attempted to refinance the mortgage, but GreenPoint Funding said that, since their credit was still good, they needed to be three months behind before they could qualify for a loan modification. The mortgage holder kept changing, switching to Countrywide then Bank of America. Each bank requested the refi apps to be resubmitted, creating a confusing maze for Laura and her family. Following the bank’s instructions, Laura and her partner missed three months of their mortgage payments and then began attempting to secure a loan modification. In the meantime, Bank of America put the home in foreclosure, using the highly controversial process of “dual tracking” in which banks simultaneously put families in the process of modifying their loans and put the loan in the foreclosure pipeline. In Laura’s case -- as with so many other homeowners across the country -- the foreclosure process won. In October 2010, her home was sold at an auction and bought back by the government-owned mortgage giant Fannie Mae. Laura began renting her home from Fannie through a local property manger. In 2012, however, Fannie transferred her home -- and 93 other homes in Chicago -- into a LLC that it had created. It then sold all 94 homes to the Manhattan-based private equity firm The Cogsville Group. On average, the private equity firm is to pay about $125,000 per house -- far below the $400,000 that Laura and her partner purchased it for in 2006. Neither property management kept up with maintenance on the home. The chief executive of the Cogsville Group boasted in an interview with The New York Times that his company partners with the best property management companies to ensure that the houses are all habitable. But Laura’s experience was exactly the opposite. When her home flooded this past spring, the company did not help her with clean up, mold remediation or repairs. In efforts to pressure Cogsville to assume responsibility for its property management, Laura’s partner stopped paying the rent, while they cleaned up the basement coped with the loss of much of their property, maintained the property along with a vegetable garden they shared with their neighbors. Laura joined a flood zone group to organize neighborhood efforts against flooding. But instead of negotiating under the circumstances, the family received an eviction notice and the accusation that the family was trying to take advantage of the Cogsville Group. Laura and her family are asking that the eviction be dropped, and that the Cogsville Group offer Laura a new lease with an option to buy. Help us stop Laura’s eviction -- and sent a message to Wall Street that they can no longer exploit our human needs for their short term profits! Sign this petition to demand that Laura and her family are allowed in their home.
Help Penelope find her title and deed! Demand that control of her property be returned to her.My name is Penelope Zeller. Bank of America alleges they own (or owned) my mortgage. There is no substantive evidence they ever had legal right to my property. I want your help to regain control of my home and deed. Please sign this petition and forward to everyone you know. I am 60 years of age, have my life invested in this home and in my community. My fruit trees and gardens are finally maturing and over $125,000 has been paid into the home and improvements. I am too far into it and too old to roll over and have it stolen from me. Sign this petition to help me save my home. The squabble started in 2007 when I thought I was refinancing my mortgage with Countrywide Home Loans. The story is long, tedious and rife with diversionary tactics, lost files, non-response, and slick offers to distract me from the fact that Countrywide (and later Bank of America) had no clear and legal rights to my property. If the mortgage was legitimate, they would have proven it when asked over these past years. Bottom Line: I contend that my home has been used to enrich a company who cannot produce proof they own the rights to it and therefore have no right to sell my home to investors…… …..Unless I abandon the property. If I allow myself to be forced out, or the home succeeds in going to foreclosure sale, then Bank of America (or whomever they sell the “investment” to) can jump my claim. Fast Forward to 2013... After many years of being threatened and worn down by relentless deceptive practices, I agreed to a short sale in early 2013 just to stop the sheer madness of the situation. Sure enough, rather than close on the short sale, BofA filed a claim with FHA while assuring the Short sale Realtor and negotiator that her ‘deal was on track’. BofA apparently got paid and the mortgage has transferred to a new investor (Venture’s Trust 2013 and a new servicer, Servis One, dba BSI Financial, Inc). This action supports our belief that BofA could not provide clear title to execute a short sale to a retail buyer. Instead, I contend they simply pulled off what Countrywide did to them; shifting an invalid set of documents on the pretense of ownership. Colorado is not a Judicial State, I have little recourse unless you – the public – step up and demand justice for me. Please sign this petition. Then, ask everyone you know to sign too. Thank you in advance for your support.
Rescind My SaleBefore I purchased my home in 2006 I was a struggling single mother. As all mothers do, all I wanted was for my kids to have everything they needed which meant a stable home. From the time I divorced in 1999 until I purchased my home I cant even count how many places we lived. Transferring from school to school. This was especially hard for my youngest child because she has Auditory Processing Disorder and was receiving services at school. With each transfer she would take awhile to get comfortable enough with her surroundings and begin to process what was being taught. Each move was effected her learning which was hard enough for her already. In 2008 there was a bogus servicing transfer on my loan. They sent me a letter stating that the servicing was transferring and I had no where to make my payments for three months. I had a name and phone number for the new servicer but each time I called them they said that they had not received my info yet and to hold payments until the transfer was complete. After three months time I received another letter stating that the servicing never transferred, my loan was again being serviced by the original servicer and was placed into default. I have been fighting and disputing since. Now having all three daughters along with 4 grandkids living in the home I REFUSE to give up their stability easily.
Give Pat Hill and her family back their home!The home had been in my family for more than 16 years with a fixed rate mortgage. In 2009, Saxon Mortgage Services Inc. suddenly replaced the previous mortgage servicer and immediately increased the monthly mortgage payments by $600 for an imposed escrow. We contacted Saxon and was told this increase in mortgage payments was for home insurance, even though we already had an insurance policy. In spite of this, Saxon continued to charge us the increased mortgage payments, and then deemed us delinquent when we disputed these increased payments. In 2011, Saxon, the mortgage servicer for Bank of New York Mellon, foreclosed on our mortgage without us having ever been in court because we were never properly notified of the hearings. In July 2011, we learned that their home had been sold at Sheriff Sale for $170,000, an amount nearly half of what we owed. The same bank that foreclosed on us, Bank of New York Mellon, purchased it at auction. When we went to court for the first time in August, Circuit Court Judge Alfred Swanson gave us only a minute to explain our side of the story until he approved the sale of our home and ordered our eviction. Since then, we have been working with the Chicago Anti-Eviction Campaign. In March 2012, the campaign helped keep us and our tenants in our home after an unannounced eviction. Since then, Circuit Court judges have passed the family’s case back and forth, finally determining that we should be subjected to another eviction. Sheriff's officers carried out a second eviction on July 10th, Pat Hill's birthday. Thanks to our neighbors and supporters, we did not face this eviction alone. With their support, we were able to call out the Bank's Actions for what they were. One month later, these same supporters moved us back into our home. Instead of spending public resources on a third eviction, Bank of New York Mellon should step forward and work out a solution that keeps us in our home!
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!
Keep Latonia and her children in their home!My name is Ms. Latonia Wilson and my journey began in December 2006 when my family moved into my home at 1428 Eason Street NW Atlanta, GA. I am a proud mother of 9 children with 1 who has moved on to heaven. I have 8 children who rely on me for food and shelter, comfort and direction. Their ages range from 9 to 23 years old. I am currently experiencing foreclosure and I am in need of help. I want to keep my home and a roof over my children's heads. As a single parent of 7 growing children still enrolled in public school, I have raised my children to be mindful and respectful of people, school, and authorities. To lose my home would cause my children to separate and no longer be a part of the solution but part of the problem we face with troubled youths in society today. Many children who are homeless face the burden of the shame of displacement and are shunned by their peers. All of my children have excelled in school and have no disciplinary record. Back in December 2006 I was renting my home for $850.00 a month to be paid by money order. After one and a half years of renting from this individual things started to get a little strange. He didn't want money orders any more and instead insisted that all payments be made monthly by cash only. I felt uneasy giving anybody cash so I contacted the Magistrate Court to see who owned the home. I found out that the landlord's name was on the deed, and the home was in foreclosure. After the home went through foreclosure the first time I was contacted by the new owner, Performance View LLC, who offered me the opportunity to lease to purchase. After 8 months of successfully making payments to Performance View LLC, the down payment requirement was met and I took ownership of the house. My home was financed by Performance View LLC for $50,000 with an 8% interest rate. Thereafter, I started making mortgage payments of $553.88 for seven months. Then I lost my job due to new management at work. I was self employed as a bathroom attendant 5 days a week at several popular clubs here in Atlanta, GA. After losing my job, I immediately applied for food stamps and began searching for financial stability. Indeed, being unemployed with seven children who depend on me is stressful. Many nights as I watch my children sleep I wonder what is going to happen if I am put out on the streets with my seven children. As a mother I feel helpless, ashamed, and afraid. But through it all I continue to pray and have found hope through Occupy Our Homes Atlanta. Shame on Performance View LLC for trying to auction off my home on the courthouse steps instead of working with me to keep my family from becoming homeless!
STOP THE FORECLOSURESince there have been no prosecutions for fraud or wrong-doing on behalf of the WallStreet bankers, millions of homebuyers are having their investments stolen from them en masse. Both their retirement funds and their homes and equity, have been either diminished or erased due to these lenders that bated the system in their favor. In our particular case we won our lawsuit in-part and settled in-part. The charges were fraud and 2 counts of bad faith - Countrywide/ B of A settled with us for an amount we are not allowed to publicly disclose. Homefield Financial and Countrywide’s Sale Manager, George ***** lost to us for an amount that we, more than likely, will never be able to collect. Part of our settlement was an apology letter from Countrywide/B of A (admitting no wrong-doing) that can be viewed here: http://www.scribd.com/doc/154884020/Apology-Letter Now, PennyMac, an IPO opened up by former Countrywide and B of A executives have foreclosed on our home, using allegedly fraudulent documents. So on the one hand Countrywide has been labeled as the worst corporation in our history and on the other hand they are allowed to reopen doing essentially the same thing, as PennyMac. http://www.businessinsider.com/ex-countrywide-execs-pennymac-files-for-an-ipo-2009-5 We cannot allow this to continue unchallenged. Stanford Kurland, CEO James W. Duarte, Exec. Research Assoc. PennyMac 27001 Agoura Road Calabasas, CA 91301 Phone: (818) 878-8380 Fax: (818) 936-0126 P.S. They will tell you that they are in a lawsuit with the Hernandez family, so they cannot comment, nevertheless, they need to know America is watching.
Cenlar: Keep Toni Furman in Her Homehttp://youtu.be/_6IIcXYwdro Please sign this petition to support Toni and OOHA in liberating the home she was wrongly evicted from. Toni's Story: Due to a difficult divorce five years ago my house was put in a distressed situation. After living in the house for 18 years the balance of the mortgage was $50,000.00. My house was expedited into the foreclosure process because there was over $100,000.00 in equity on the property at the time. Not only was there a war with Cenlar Mortgage, the ex-husband was suing me for the house. The house was the only thing I acquired in the divorce settlement. These dual wars lasted two years and I was blessed to have many organizations to assist me. Legal Aid helped me to stop the war with the ex-husband, and Congressman Hank Johnson, HUD and Office of Thrift were organizations that stopped the multiple foreclosure processes. I had sufficient income to get a loan modification however; the ex-husband would not sign the loan modification papers. HUD verified that Cenlar could take the ex-husbands name off the mortgage, but it was up to the lender. Cenlar chose not to. Cenlar is a servicing organization. I asked them many times to inform me of the name of the owner of my mortgage. They said that they have power of attorney and refuse to tell me the name of the owner. After many foreclosure attempts that were stopped, Cenlar strategically foreclosed on the wrong deed. There was no way to stop a foreclosure under someone else’s name. Many attorneys verified that it was a wrongful foreclosure; however, I did not have the money to pay attorneys’ fees. The eviction process was stopped when a lawsuit for wrongful foreclosure was filed in Superior Court. HUD kept me in the house for an extended time and informed me that Cenlar is trying to evict me because they do not take possession of houses unless they are empty. They verified that there were too many deed issues and HUD will not take possession of the house. After the HUD protection ended, Cenlar began the eviction process through the lawsuit that I had filed. The Judge granted them a motion to evict me. Under federal law everyone has the right to know when they are involved in a legal transaction. Therefore one must be served papers. McCalla Raymer Attorneys hired thugs and crooks to try to serve me papers. Several were ticketed for pretending to do a home invasion to force me out of the house. One night I was arriving home in the dark and a car ambushed me in the street. I stayed in my home to working to avoid eviction as I worked with National Action Network to negotiate with Cenlar. Cenlar expedited the eviction process and had six sheriff's deputies break into the back of my home. I continued to ask the sheriff's deputies to show me eviction papers but they had none. After an hour and fifteen minutes of me asking to see eviction papers as my belongings were hauled to the curb, one of the deputies finally produced some documentation. However, my name was nowehere on the papers, hence a wrongful foreclosure and a wrongful eviction. Since being evicted I have continued working with National Action Network and become a member of Occupy Our Homes Atlanta. I have taken back my home, and it feels amazing not to be homeless anymore. Please sign my petition and help me build pressure against Cenlar to keep me here.
JUDGE MARTINEZ, PLEASE RULE ON THE CONSTITUTIONALITY OF COLORADO'S STATE FORECLOSURE LAWSBy signing this petition you can help all facing unjust or fraudulent foreclosures in Colorado and the rest of our nation! Judge Martinez and many other Judges are starting to recognize the people are being victimized by unjust & unconstitutional foreclosure laws. To avoid setting legal precedent, before our Judges can make a ruling, the banks are withdrawing cases or settling with the plaintiff if it looks like they will lose. Our judges have the right to continue cases if they can show that other individual members of the public are interested in the decision because it bears upon their individual rights. Please sign this petition so that when it is sent to our judges they can prove that legal argument and justify continuing these cases brought against the banks. THIS IS OUR CHANCE TO STAND UP TO THE BANKS AND STOP UNJUST FORECLOSURES! PLEASE SIGN AND SHARE WITH FRIENDS. For more info on Lisa Brumfiel's case please visit libertylisa.com
NFCU & Rosewood Condominiums - Return My Condo!Not only is this crucial for myself as a decorated Veteran who has sacrificed numerous years of service to our country, worked and placed my life in daily danger to make a living, and purchase a home to live in peace, and free from prejudice, but for future home buyers in search for the American dream.
Stop the Eviction of Arthur Wood and Investigate the EvidenceThis could happen to YOU. Do you know how many people are homeless due to code complications after natural disasters like Hurricane Sandy? Should you have any recourse if someone from a government agency reports that your home is unsafe and that you must leave? With Preemptive forced eviction you are put out of your home IMMEDIATELY? Do you think that you are not in danger because you pay your bills and taxes? Mr. and Mrs. Wood owed no money on their home and had won a case regarding illegal building in the 1980’s against the Department of Buildings and yet years later and at the whim of officials, their home is being taken from them in a series of well orchestrated moves. Mr. Wood, now eighty one years old has been defending himself in the courts, not only fighting for his right to housing but for all of us. Thank you for your support.
Justice for the Figaro FamilyA few years ago I moved to Atlanta from California. My family and I had saved money and commissioned a house to be built by John Wieland Homes in the Smyrna area. Because my wife is disabled we had it built with full handicapped access and an elevator so my wife could get upstairs easily. We contacted Fulton County Commissioner Bill Edwards and he closed his eyes to the building permit violations. When presented with documentation he refused to act. After moving from California and into our new home we started facing all kinds of electrical problems. The hot water heater blew out three times, our double oven got fried, and we went through three TVs which all blew out thanks to faulty wiring. After contacting the power company to tell them about these problems the fire department came out and turned off our electricity due to the hazards created by the wiring. It ended up that John Wieland Homes hadn't been approved for the electrical permit they needed to build the house. The builder turned the power on anyway, creating a dangerous situation and committing a crime in the process. Because of the fraud committed by John Wieland Homes I was stuck with a house I had paid hundreds of thousands of dollars for that was dangerous to my family. Since I had paid upfront for the house all of the equity was mine. However, we had to move to a safer location as we were living in a house that should have been condemned from the start. I took out equity on the house in order to afford rent somewhere else. The plan was to rent elsewhere until a settlement was reached holding John Wieland Homes accountable for their wrongdoing. Instead the county turned a blind eye and I ended up losing a home I had paid for in full at a foreclosure auction. Now my wife and I live in a non-accessible home and I have to watch her crawl up the stairs to get to bed at night. I want John Wieland Homes to be held accountable for scamming me out of hundreds of thousands of dollars. I want my money back. Sign my petition to help me shame John Wieland, expose injustice, and earn some restitution for the years of strife I've gone through.
Wells Fargo: Don't Evict Me From My HomeI've lived in this home since I was 4 years old. My parents now both deceased, bought this home for our family. My father was the surviving male of his siblings before he passed away in 2009 and my mother was the surviving female of her siblings before she passed away in 2011. I first lived in this home in 1979 and I want to continue living in this home. This home has plenty of memories and is the only legacy I have from my late parents and I don't want to lose it. "This is my one and only home and I don't want to lose it." I currently have renters renting in one part my house and I want to have them continue renting in their current place. I already have setup in one part of my home in wanted I to be a future recording/production studio and current gathering area for my guests. So many people have already lost their homes and I shouldn't be one of them.
M & T Bank: Negotiate with Gayle LindseyMy name is Gayle Lindsey. I live in South Minneapolis with my daughter, grandson and step son. I have lived here since May 2001. I have eleven grandchildren. I have worked as a nursing assistant at Walker Methodist Medical Center for the last twenty years. I am getting close to retirement. I planned on having a place to call home for some time, but now I am facing foreclosure. I know what justice is. My family is from Selma, Alabama. When I was younger, I wanted to go on a march from Selma to Montgomery, but my mom would not let me. Later on, I remember a high school walk out after the Martin Luther King assassination in 1968. Everyone from my school went along. The physical education teacher followed us. More recently, I participated in a union drive in my workplace. I am a member of AFSCME Local 3532. I came to Minnesota in 1975. I have always lived in South Minneapolis. The last place I rented was a duplex. The owner was a very nice man. He sold the house, and the new owners kicked the tenants out. I decided to buy a home. I did not want to keep moving. This was the only house I could purchase in South Minneapolis. My grandchild grew up in the house. It's special to me. When other family members don't have anywhere to go, I let them stay here. It's a family home. Over the last few years, I have experienced a loss of income. I was the only person working in the house. Wages at my full time job have not gone up with the cost of living. For a while, I got by with a second job as a personal care assistant, but that dried up. Meanwhile, expenses and my mortgage payments continued go up. The bank refused to lower the payments. I fell behind on my mortgage. My house was sold at a sheriff's sale back to the bank in July. I would like to stay and fix this situation. I want to pay for my home as long as it's affordable.
Northern Value Group LLC: Do not evict Nafeesah Abdullah McReynoldsMy name is Nafeesah Abdullah McReynolds -El, and I live with my spouse in the Central Neighborhood in Minneapolis, Minnesota. My family is Moorish American. I was born and raised in Chicago. I have five children. After we had our youngest child, we wanted to go someplace different. We all moved to Minneapolis. It was like a breath of fresh air. Now the company that purchased our contract for deed agreement, Northern Value Group LLC, is trying to evict us. This house belonged to my sister. I remember the moving truck waiting on the avenue for three days with our stuff in it while we looked for an apartment in the middle of winter. I got a job as a bus driver. A few years later, my sister’s health deteriorated. She was going to let the house go. My husband and I took over the payments, caught up on the bills, and have lived in the house ever since. All of life has been moving from one point to another point. As a child I remember being evicted from apartments in Chicago. I feel secure here. My children grew up in this neighborhood. My eldest daughter’s marriage reception was in Powderhorn Park. I want to stay in my community. Over the last few years, I have experienced health issues. In 2009, my husband was laid off from his job at General Electric. Since then he has been underemployed. Our payments have never stopped going up. We fell into foreclosure, and I stopped paying on my contract for deed because I felt there was no hope. Now that I've met Occupy Homes MN, I want to fight for my home and a fair negotiation. I am willing and able to pay. I want Midlands Mortgage to be reasonable, and consider all of the years we’ve been paying for this house. I only owe $24,380 on the principal of my house. I only owe $8,000 on my contract for deed, which I could easily pay if Northern Value Group LLC was willing to negotiate to keep us in our home.
Stop Citizens Tri-County Bank From Putting My 86 Year Old mentally Ill Mother On the Street!Many times as we reflect back on our lives, we think, "if we could have done something different, maybe we could have changed someones life or even saved them." I know you can't save everyone, but you can save this "one." My mom is 86 years old. She is mentally incompetent because of advanced dementia. Her and my dad (now deceased) had a small retail business on the front street of their small town for 60 years. They did everything right. They had excellent credit. They taught us right from wrong, most importantly, to do unto others as you would have them do unto you, and to always take care of the less fortunate. Besides their retail business they invested in property on the side because they wanted something for their retirement and they always wanted to give something to their children. In 2008, the economic crash hit. My dad was dying, spending the last 15 months of his life bedridden. My mom got all of this dumped into her lap. She could not cope. This accelerated her mental decline. The four investment properties she had were foreclosed upon by Citizens Tri-County Bank. Citizens Tri-County Bank then claimed this wasn't enough to pay the debt. Knowing that her house of 45 years was free and clear, they are attempting to place a lien on the home in order to repossess it, which would leave her homeless. When the bank found out she transferred the home to her adult children 18 months ago, they sued her children for fraudulent transfer. They are determined to get the home. Citizens Tri-County Bank is holding my mothers adult children and her house hostage. Our message to Citizens Tri County Bank is simple, you've gotten enough out of this family. It's time to do the right thing and make a deal that keeps us in our home. Please call/Email Citizens Tri-County Bank CEO Glenn Barker at 423-949-2173/ email@example.com and encourage him to do the right thing.
M&T Bank: Turn Over 1043 Windsor Street!!http://youtu.be/XeO4kXfm4_s The home at 1043 Windsor Street sits in the center of the Pittsburgh community, a neighborhood in SW Atlanta that is one of the hardest hit in the nation by the foreclosure crisis. In the years leading up to the crisis, the neighborhood was aggressively targeted with predatory lending practices by the big banks pushing subprime mortgages. The result? Since the financial crash in 2008, thousands of homes have been foreclosed on, leading home values in this community to plummet an astonishing 84%. Entire blocks are filled with vacant and boarded up homes, increasing crime, and destroying the community. These same empty homes are then quickly snatched up by out of state investors, hoping to buy cheap and make a quick buck when the market turns around, leaving the people of Pittsburgh continuously held hostage. At the same time these homes sit empty, thousands of Atlanta families struggle with no roof over their heads at all. Michelene, Reneka, and their two children Dillon and Jahla are just one of these families. After losing their jobs earlier this year, they struggled to make ends meet. Despite their best efforts, they couldn't keep up and were unable to make the rent on their townhouse, landing them somewhere no family ever imagines they will be-- homeless. "The biggest struggle is always trying to keep the kids focused on what they need to be focused on even though we might be falling apart" says Michelene. For months the family bounced around from shelter to shelter, often unable to stay together due to being a same-sex couple. On December 6, the one year anniversary of the Occupy Homes movement, Reneka, Michelene, and their family, joined with Occupy Our Homes Atlanta, community members, homeowners, tenants, renters, and the homeless to reclaim the home on Windsor Street from the bank. After the hardships they endured, Michelene and Reneka were ready to take the bold step of publicly moving into the home. But this action was not just about them. There are currently 7 empty homes for every homeless person in America, raising many questions about the priorities held in our society. "We attribute our hard times as well as our good times to a higher power. We want to use our voices and circumstances to not only help ourselves, but to help others even more, and we're ready to take bold steps in order to see change that can be felt around the globe" said Reneka shortly before the action took place. Reneka and Michelene, together with the pastor of the church next door, the neighbors across the street, and the former owners of the house, hope to persuade M&T bank to turn the home over to a non-profit that will determine it's use for years to come. It's time to take the control of communities out of the hands of Wall Street and the big banks and place it right back where it belongs-- with the people who live in them.
Financial Freedom don't sell our home on Friday (Dec 7th)Our beloved home was built by my Dad. After he and my Brother passed away my Mom was convinced to get a reverse mortgage even though all she wanted was a reliable car. The deed is a life estate and she was NEVER told that she would be extinguishing the life estate if she took the loan. Mom thought the house would be safe. My Mom and everyone in the family is gone now except my son. He was diagnosed with stage IV cancer and underwent treatment and at least for now is in remission. Our home is so important to us and it is imperative to his health and mine (I have had 2 small strokes because of all this stress), to keep our beloved home that holds all our memories and a reminder of the family and love that means so much. All of our beloved pets are buried here and we would lose them too. The house was free and clear and Mom should have never been given a reverse mortgage for a car. We aren't only losing the house but the 3 acres that go with it and I know a builder will buy it and destroy my beautiful woods. I am still fighting but our home is scheduled to be sold on Friday (Dec.7 2012) by Jacob Geesing's law firm in Bethesda and Alex Cooper Auctioneers. Please support us in our attempt to save our home. Thank You....
Keep Mary Bonelli's Family in Their Home of Three GenerationsMary Ann Bonelli's grandparents purchased her home on Chicago's west side in 1921. The family has been paying banks for the home ever since. Three generations of her family have grown up in the home, and it was passed down to Mary and her sister after their parents died. After taking out a new mortgage from Fifth Third Bank to pay for repairs to the home in 2008, Mary and her sister were continuing to make monthly payments of $1,300. But in 2011, Mary and her sister suddenly went into foreclosure. The foreclosure was triggered when the online system used by Fifth Third failed to withdraw an automatic payment from Mary's sister's account. Though the sisters approached the bank to work something out, and filled out the paperwork for a loan modification, they received no response. Mary and her sister hired lawyers, thinking they would help the sisters save their home. Instead, the lawyers charged $2,500 up front (plus $206 in filing fees, which they later found out could be waved), and allowed the foreclosure to finish up in a speedy manner. Though foreclosures often take up to two or three years, Mary's foreclosure went through in a matter of months. Unable to reach the bank through other channels, Mary and her supporters protested outside of Fifth Third Bank in July and informed bank employees of the error. They were given the contact information of Andrew Hayes, the bank's vice president of public relations and communications. Mary called and called, but once again received no reply from the bank or Mr. Hayes. Now, Mary's home has been sold to Fannie Mae. If she leaves it, it will likely either sit empty, or be sold to the investors and hedge funds who are turning huge profits by buying up vacant homes in bulk. (Just last month, Fannie Mae sold off nearly100 Chicago homes to investors at a steeply discounted rate.) But Mary has no plans to leave—though she suffers from lymphedema and has difficulty walking, she is standing up for her home and the community she's lived in all her life. “I have no place else to go. To see all the hard work and emotional connection my family has put into our home deteriorate and slip away in a matter of months would be devastating,” says Mary. Mary and her sister would be able to pay a modified mortgage, but instead they have been told that eviction proceedings will begin in January. Help Mary fight this unjust foreclosure eviction, and stop the handover of our homes to banks and investors!
Don't Let Griffin Residential & Vericrest Financial Evict Marla from Her Home"I did everything by the book, submitted requested documents two and three times or more, followed up with every person and department I needed to in order to keep the loan modification process on track and still Vericrest did everything it could to hamper, delay and sabotage my ability to modify my loan. To add injury to insult, I was told I was still under HAMP loan modification review and yet in the same phone call, I was then informed my home was sold to a third party. The bottom line, Vericrest withheld information, denied me due process that prevented me from being able to take proper action in a timely fashion to block the foreclosure and proved it was only out to make a profit, not keep a responsible homeowner in their home" ---Marla Schulman -------------------------------------- Marla is a single mother of two sons who was disabled in August of 2008 due to a back injury. In January 2009, she was informed by her employer that she was going to be she was laid off after almost 10 years of service. As of March 1, 2009, her sole income was California disability payments that expired in September 2009. Marla expected that her private insurance carrier, Cigna, would continue to pay benefits after those CA state disability payments ran out but that was not the case. When CIGNA refused to pay her disability benefits and she was forced to use her 401k retirement account to pay for her mortgage, medical and living expenses. In the meantime, Marla's home, purchased in April of 2006 for $575K at the height of the market, continued to devalue and was assessed by the LA Property Tax Collector at $380K in 2010. When the loan modification programs were announced, it appeared that this would be an excellent solution for Marla to reduce her monthly nut as she no longer made the same income as she had while employed. During 2010, Marla used her 401k savings to pay her mortgage (to Citibank who owned the note from 2006 to date), medical and living expenses, as was confident she would be able to obtain a loan modification. She was diligent in following proper course of action as as it was important to protect her initial investment in her home, and her now diminishing 401K retirement account. At the end of 2011, Citibank sold her mortgage to Vericrest Financial even though Marla was in the last stages in the loan modification process with Citibank. So in early 2012, Marla had to start the loan modification process all over again, this time with Vericrest Financial. After several starts and stops, Marla continued to be hopeful that she would be granted the loan modification before the end of 2012. Instead, she is facing eviction from Griffin Residential and the loss of her entire life savings due to the avarice and cavalier attitudes of banking institutions, like Vericrest, who declare that they "care" about the "little guy" but in truth, they only care about their bottom line. Too many honest homeowners have lost their homes needlessly and have been preyed upon by unregulated lenders and a system that fails to offer adequate protection for their homes and appropriate penalties for those banks who are allowed to rape and pillage our cities and keep our economy in a depression. This has got to stop NOW. Please sign this petition and pass it on to your family and friends to help Marla save her home. Thank you.
HELP RON KEEP HIS HOME FOR HIS WIFE AND KIDS WHEN GONEIt is so important that Wells Fargo fix this for this family the husband has stage 4 Cancer and is in a fight for his life and her son has crones disease. She herself is disabled and has not been able to work since she was let go from Wells Fargo as a underwriter for their company. Between helping her husband fight for his life she now needs to worry where are they going to go if the bank wins. She has no place to go and now her husband has to worry also once I am gone my family is left with nothing, I served my time for my country I am a Veteran and my wife worked for the same company that is trying to take our home and once I am gone what will they do. This family does not have long at all every day is just another day closer that the bank is going to win and a stage 4 cancer patient his disabled wife and his son will be on the streets. Please help Ron know when God calls him home his family will still have their home.
Call to Action!!!...Please help the Yeagers stop eviction! FINAL NOTICE TO MOVE AUG 21!!The Sherriff came and delivered the third and final warning to vacate our home by August 21 or they will move us. Our voluntary move out date was August 3rd, so the days are numbered. We had a mediation hearing with our banks attorney on August 6 and are trying to negotiate, but ATTY KRISTI PALLEN of Reimer&Co refuses to vacate the writ of possession while we are trying to come to terms of a settlement. We have PROOF OF FUNDING and have provided SIGNED documentation from the new investor that they will be wiring funds to them for payment. So, the unscrupulous acts continue, meanwhile our family continues to live in limbo and out of boxes wondering if someone is going to show up and lock us out of our home. Please call the numbers listed or email these heartless puppets of the greed machine and tell them to STOP THE EVICTION because we will NEVER stop defending ourselves and OUR HOME!! Thanks and PEACE OF MIND to all!!
Please Sign Petition To Keep Mrs. Ronni Mandell In Her Home.HOMEOWNER REFUSES TO SIGN RIGHTS AWAY FOR MODIFICATION-BOA TO FORECLOSE Now Loyal Honeywell 27 Year Employee Faces Foreclosure And Needs Champions To Help Her. On August 3, 2012, Mrs. Mandell of West Haven, Ct. received a letter stating her mortgage was referred to foreclosure due to her refusal to sign and return the 5 page settlement form that was sent with the modification. Mrs. Mandell had received an offer from Mr. Mark Bragg, Senior Vice-President of Bank of America (805) 917-1805 which seemed somewhat acceptable but BOA was still demanding Mrs. Mandell to waive her first amendment rights to free speech and press from the beginning of time and forever, as well as her husband‘s, including the right to any legal representation now and forevermore. The couple will be celebrating their 40th wedding anniversary February 4, 2013 and they had hoped it would be at their home but it appears unlikely. They’ve petitioned federal and state government leaders for assistance in dealing with the bank, but their pleas for help fell on deaf ears. This lack of help for these citizens from Rosa Delauro, Richard Blumenthal, the OCC, CFPB and Attorney General George Jepsen leaves this elderly couple helpless in this, the eleventh hour. The Mandells are now being used as “Poster Children” to show any other critics that may want to fight back what happens when you disagree with Wall Street and the government. Both Mandells are prepared to continue to fight and warn other homeowners not to sign waivers and demand the government to ban this practice immediately. Mrs. Mandell is a hardworking, conscientious employee, who started working for a company named Fire-Lite Alarms in New Haven, Ct. in 1985, and then Honeywell Industries purchased the company in 2000, now the company is located in Northford, Connecticut. “This provided her and all the employees a feeling of increased job security as Honeywell, headed by Mr. David Cote, is a well-oiled machine that knows how to grow honestly, responsibly and knows how to treat customers and it‘s employees.” Mrs. Mandell added. Joseph Kancar Bank of America (800) 669-6650 BENDETT & McHUGH, P.C. ATTORNEYS AT LAW 160 FARMINGTON AVENUE FARMINGTON, CT 06032 MAIN OFFICE: 860-677-2868 OFFICE FAX: 860-773-6328 EMAIL: firstname.lastname@example.org
Pres Obama: Reset Mortgages to Fair Market Value15.7 million Americans owe more on our mortgages than our homes are actually worth, $1.2 TRILLION in total. Resetting our mortgages to fair market value would put $6500 per year back into the pockets of the average underwater homeowner. This would, in turn create $71 billion in economic activity each year and create 1 million new jobs. We can’t wait another day for relief. Big Banks keep foreclosing, making our communities into only vacant and abandoned houses. Stand up and demand that homeowners get the justice we deserve.
Urban Partnership Bank: Don't Foreclose & Evict the Williams Family from their Home.Hardworking "families" should be given every chance to stay in their homes. If a family is able to overcome the temporary hardship that caused them to fall behind, they should be given every chance to stay in their homes. Banks should not take advantage of a families vulnerability and relentlessly pursue foreclosure because it is economically motivated to do so, without exhausting all avenues to help a family.
Justice for Jeannette Lopez“Habitat's vision: A world where everyone has a decent place to live. Seeking to put God's love into action, Habitat for Humanity brings people together to build homes, communities and hope.” Please forgive me for my introduction but I had to humbly express that this vision is beautiful and I agree that “everyone should have a decent place to live.” My name is Jeannette Lopez. I currently reside at my home in Springfield MA. I live with my 4 daughters, my son, and my grandchild. Six years ago Greater Springfield Habitat for Humanity granted my family the opportunity to have a home. Over the past 2 years our family has faced economic and health hardships. We feel that we should not be punished for the obstacles our family had no control over. We believe that everyone has the right to a safe and stable household as Habitat for Humanity states in their mission and vision. When my husband left three years ago, I fell behind on my mortgage payments. In February of this year they served me with a letter stating that I needed to pay them $5000 and make payments of $700 a month to catch up. I was only able to make a payment of $4000 and could not maintain the $700 a month to catch up. Right after I made the $4000 payment, my father, who lived with me at the time, was diagnosed with a terminal illness and passed away three months later. Two days after my father passed, my son-in-law died in a horrible accident. During this difficult time, not only was I mourning my fathers’ passing, but I now had to be strong to help my daughter through her own grief. I was then set back even more financially as I now had two funerals to finance and was not able to maintain my repayment plan with Greater Springfield Habitat for Humanity. To add insult to injury, on June 26, 2014, they held an auction outside my home as I was leaving to lay my father to rest at his funeral. There was no remorse nor sympathy on behalf of this organization for myself and my family for the stress and pain we were already going through at this time. I tried to call and email them to please allow me to stay in my home and pay what I owed. My neighborhood rallied with me and helped me raise the money that i needed to become current on my loan to no avail, they will not take my money. I was told I will be receiving a 48 hour/eviction notice from the sheriff department in a matter of days to vacate my home. Please sign and share this petition to make Habitat for Humanity of Greater Springfield stand by their mission statement and keep my family and I in our home!