- 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
PNC Bank: STOP the FORECLOSURE SALE of the Fortilius HomeI have never seen the sunset. I have lived in my home for 10 years and have worked very hard to stay there. I wake up in the morning and do not return home until 9pm at night. My home means everything to me. I fell in love with it the very first time that I saw it. The street was very quiet, and when I entered the home, I was amazed at the space. I have seven children and this home gives them the luxury to move about. I purchased my home in October of 2002. At the time I was working at Yale Genton in West Springfield. The house was refinanced twice between 2003 and 2005 because the home needed a lot of work. The roof needed to be fixed, the floors redone, new windows were needed, and siding installed. (My family and I have put our blood, sweat, and tears and our life savings into fixing our home). I fell behind on my mortgage in 2010, after I lost my job when the store I worked at closed down and moved away because of the economic crash caused by Wall Street. I looked for work constantly, night and day, finally I was offered a job at the K & G Fashion Store in Manchester, Connecticut. Although I was now receiving the benefits of income, I suffered another financial set back by having to start my business from scratch. I am a self employed tailor at K & G Fashion Store; I rent a space in the corner of the store and I had to purchase the tools of the trade that cost me about $25,000 dollars. In February 2011, I called to pay $3,000 to PNC Bank to pay the mortgage that had been overdue for three months after I lost my job. They refused my offer because I was $300 dollars short. Then on November 25, 2011, PNC Bank asked me to make a mortgage payment. I sent a check to pay for a month, but it was returned to me. Since then, for four years, I have been trying to secure a modification with principle reduction to be able to keep my families home to no avail. Now PNC Bank has scheduled a foreclosure auction to be held on October 21st, 2015 even though I can afford to pay a mortgage. This house is my life. It is what I have worked for and is what I wish to leave my children when I pass away. To anyone else, this house seems quaint. It is set in a nice, quiet neighborhood, and has the capacity to fit a large family comfortably. To me, it is much much more. It is the reason why I wake up early in the morning and come home late at night. This home symbolizes work, struggle, will, and achievement. It motivates me to work hard and encourages my children to work towards their dreams. My home is the reason why I don’t mind missing the sunset everyday. I am requesting that you STOP the foreclosure auction and work with me on a loan modification with principal reduction to the current value of my home. I would like to pay the current value of my home because it would be unfair to have me pay more money than my home is worth.
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
Keep Ruth in Her Home!Ruth is an elderly woman with a disabled son trying to make ends meet. But her pension and social security checks are nearly equal to her mortgage payments and her house has decrease in value by over 75 percent. But yet, PNC Mortgage would rather take the path of foreclosure then forgive her principal or reduce the interest rates so her payments can be affordable.
Fannie Mae: Stop the eviction of Jerome JacksonFannie Mae, the giant underwriter of the U.S. mortgage industry, is moving to evict Jerome Jackson from his home in Inkster. Fannie Mae is the same government-owned agency that is threatening to evict the Hernandez family. Jerome has been a leading fighter in Detroit Eviction Defense; Now he needs our support. Jerome Jackson purchased his home in Inkster in 2004, as part of a nationwide Fannie Mae program targeting people with disabilities for loans that turned out to be predatory. Fannie Mae, Wayne County and the non-profit Community Living Services convinced Jerome and other people with disabilities to buy homes by promising ongoing housing assistance with the mortgage payments. Jerome Jackson did his part, paying his portion of the mortgage each month. And he made many improvements, so his entire home is wheelchair accessible. He's lived there, with independence and dignity, for ten years. Now Fannie Mae and the government have pulled the plug, have stopped all housing assistance payments, and are moving to evict Jackson. Detroit Eviction Defense is fighting to keep Jerome Jackson in his home. Jerome Jackson has been a leading fighter in Detroit Eviction Defense, active in the many campaigns to keep other homeowners in their homes. Now we fight with Jerome Jackson. And we fight with the Hernandez family and the Orozco family in Southwest Detroit, who also are fighting to stay in their homes against Fannie Mae and its out of control efforts to throw families from their homes and cause further damage to our neighborhoods and communities. Resistance is growing; join us! We demand no more foreclosures, no more evictions and good housing for all. Please call Fannie Mae now! Call 312-368-6200 or 866-442-8572 Tell them to STOP THE EVICTION OF JEROME JACKSON from his home at 3920 Harriet, in Inkster, Michigan. Refer to LOAN NUMBER 0003195614 For more info contact us at email@example.com www.detroitevictiondefense.org 313-429-5009 For more info on Jerome Jackson, visit: www.moratorium-mi.org/tag/jerome-jackson/
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!
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
To all Bankers reduce home principals now!It is important that we keep fighting the banks and not give up. If we give up, they win and will continue their evil practices of writing the laws, packaging our homes and selling them on wall street, raise prices on us, make us live off of less money, and continue to pay off and manipulate our politicians who are corrupt as well. We must educate ourselves and the public and continue to fight, otherwise, they will manipulate the market so they can get richer. Iceland arrested the bankers, kicked them out and now their economy is thriving again.
Friday March 15th Eviction of The Broken Angel! Artistic Landmark in BKI saw my friend Arthur today. He is 84. He built the Broken Angel in Bedstuy and after 6 years of fighting the courts he has been evicted from his home. This Friday the sheriff comes to close the deal and I want to throw a big block party to commemorate his monumnetal presence in the neighborhood. http://lovewerk.tumblr.com/ http://en.wikipedia.org/wiki/Broken_Angel_House In 2006 Arthur , his son Chris, and his wife Cynthia came back from lunch to part of their home being on fire. The back tower. The fire dept. couldn't fight the fire from the inside the building and had to use the ladder, which brought in the building Department who declared the structure not up to code. The Woods were arrested for a violation of an eviction notice and told that if they entered their house again they would be arrested. Arthur and Cindy Wood lived in a VW bus in the 8 lot of their property to avoid arrest. They were in their late 70s at the time. The Council woman Laticia James, who in the guise of doing something good for the situation, set Arthur up with Shaun Andersen a real estate developer with an interest in the neighborhood. This turned out to be a very bad partnership. The bank, Madison Realty, gave a 4 million dollar mortgage loan to The Broken Angel LLc, a partnership between Shaun Andersen and the Woods. The loan was supposed to be to bring the building up to code and turn it into condos. $50,000 was given to the LLC every week, which never made it past Shaun's office, except for a few things like a steel staircase and demolition of the top floors. They emptied the building and Shaun Anderson forged documents that said he paid Arthur Wood more than $800,000 for the #8 lot. They did not sign these documents and this money was never given to the Woods. Despite these injustices, the money in the loan ran out and the bank called in the mortgage as a foreclosure. Anderson, Madison Realty and Arthur Wood have been in court in regards to this matter for the past six years. After various appeals and new cases, Arthur has run out of options on his eviction. He has been give a final date of March 15, 2013. Despite his efforts to bring attention to his cause, he has met unsympathetic coverage, the Daily News mocked his case last Sunday saying the neighbors think his house is an eye sore...When standing on the street today hanging out with the neighbors they had tears in their eyes. Prominenty featured in David Chapelle's love letter to BK "Block Party" I would love to have media, friend music whatever present to show the City and whoever else cares that this man is loved and deserves to stay in his home that he built! If you don't think this pertains to you think about all our futures and the houses we buy.. boosting dying neighborhoods,towns,and cities (ahem..) and after you put 40 years of love into something have some developers give you a bad deal and kick you out of your home at 81. If your into humans vs. money and making your dreams come to life... C'mon and share some love on Friday! Even at 81, he was cutting up his artwork with a circular saw to fit it through his door today so he could stick it in a Uhaul. He makes star gazing chairs, beautiful paintings, mechanical furniture...the basement where he made a huge fireplace had a waterfall that flowed in a sheet of water infront of the fire... and when you go take a look the seating area in front of the fireplace. There are two butt imprints one is of Arthur's and the other of Cynthia who died of cancer 2 years ago in the midst of this mess.
Declaration of the Eviction Free ZoneWe, the residents of the Central and Powderhorn neighborhoods of Minneapolis, hereby declare our community an Eviction Free Zone. We pledge not to move out of our homes until stable, equitable, and affordable housing is accessible to everyone who lives in our neighborhoods. We refuse to watch any more of our neighbors forced out of our community. As our community has suffered 835 foreclosures since 2007, our elected officials refuse to act. Though the Central and Powderhorn Neighborhoods are among the poorest in Minneapolis, we owe Wall Street over $52 million in negative equity. While many of us are homeless, abandoned homes sit uselessly vacant, vulnerable to crime and blight. As Wall Street and the big banks are again making record profits, in our community we have seen no relief from the foreclosure crisis. We will no longer be held hostage by the tyranny of the financial institutions that crashed our economy. We have come together as a community to voice our collective demands, and will not move from our homes until they are met. -A moratorium. State and Federal authorities must declare an immediate stop to foreclosures and evictions until policies are in place to ensure stable, affordable, quality housing for all. -No public resources for unjust evictions. Our public servants, city officials, police officers and sheriffs must not interfere with any negotiation by evicting residents who intend to negotiate with their lender. City and County officials could enact a de facto moratorium by publicly refusing to carry out evictions of unjust foreclosures. -Principal reduction. Lenders must rewrite all mortgages to reflect today’s housing prices at an affordable fixed interest rate. Households in Powderhorn Park and Central neighborhoods owe at least $52 million in negative equity to the big banks. Relieving this unjust debt would provide relief to thousands of families. -Housing is a human right. Hundreds of bank-owned vacant properties sit uselessly in our neighborhoods while in Hennepin County homelessness is at a six-year high, and over 30% of all people experiencing homelessness are children. Bank-owned vacant properties should be placed under community control, to be used for affordable housing. We believe that safe, equitable, and affordable housing is a human right. Until this vision becomes a reality for all of our neighbors, we stand together against foreclosures and evictions. We hereby declare the Powderhorn and Central neighborhoods of South Minneapolis an Eviction Free Zone. We, the residents facing eviction, shall not be moved. Jaymie Kelly, 55407, JP Morgan Chase Sergio Ceballos Aguila, 55407, JP Morgan Chase Jessica English, 55408, Wells Fargo Genet Beyene, 55408, Ocwen Loan Servicing Gayle Lindsey,55408, M&T Bank Nafeesah Abdullah McReynolds -El, 55407, Midland Mortgage Co. Paula Medlock, 55408, JP Morgan Chase Connie G, 55407, Citi Mortgage Nathaniel Daniel, 55408, Bank of America
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
Block the eviction of the Cruz familyAlejandra and David Cruz parents' are facing foreclosure and responding by occupying their home. Alejandra and David's parents were hit by tough economic times and fell behind on their mortgage payments. But when they tried to make payments online, the bank refused and made unreasonable demands for multi-month payments. Then, without warning, they were served with an eviction notice. Now David and Alejandra are using cement buckets at the front and rear of the property to peacefully block entry by chaining themselves to it, making sure the family won't lose their home.
PNC: Don't take Gloria Perry's home from her familyThis situation is so deeply troubling not only because of the loss of my mother, but my father's death and the reasons behind it are what set this whole mess in motion. In 1987 my parents took out a loan to build an addition on to the house. This was a 10 year loan and paid in full in 1997. In the beginning of 1998, a bank (which I am not allowed by law to name) began calling and harassing my parents. The were told that "due to the fact that no payment had been made on that account for an entire year, the bank was going to foreclose on the home". This undoubtedly caused a "major panic in my parents", and they worried where did all their money they paid go? After several months of receiving harassing and threatening phone calls not to mention the anguish it brought on them, the bank did foreclose. One night coming home from work, checking the mailbox (as dad always did) not a word did he say. The stress had taken its toll, he passed the next morning of a heart attack. As I walked around the yard in a daze waiting for the coroner to arrive I went over to the mailbox, there it was a foreclosure notice. When it was all over, the bank had been placing my parents payments in to a different account number. We sued the bank for "wrongful death" and we won. We didn't sue for money, how can you put a dollar amount on your dad? We received an apology letter from the bank. My mom struggled for the last 15 years, making $9.00 an hour, she managed to keep her mortgage payments current. Sadly, I lost my mom to pancreatic cancer not that long ago. She carried mortgage life insurance of $50,000.00, but due to her having $700.00 in late fee's (which PNC refused to waive) the amount paid to the bank was $40,533.12 instead of the full $50,000.00. Now there is a balance owed to the bank for approximately 12,000.00, I was making her payments "until the bank began harassing me on a daily basis, sometimes up to 4 times a day". I submitted a settlement offer which was less than the amount owed and they denied my offer. Stating "submit another with an amount closer to the balance owed". My attorney told me to stop talking to the bank, today I spoke with someone in charge of my mom's account. They are not willing to do a simple loan assumption either. They just want their money or the house. How much greed is too much? If my mother were still alive they would still be getting that monthly payment every month.... not over $40,000.00. I am struggling with understanding how someone or some corporation can be so greedy. I wonder do these people sleep well at night? Do they feel right with God, what will they say when they face the Almighty God? It was just my job... "My family has been robbed by the banking industry twice now", but I know that God is good and he will make it right. But having some help getting the word out from all of you and your prayers will help too. Thank you for having a place where people can reach out.