- 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
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
HUD: Donate foreclosed, vacant property to neighborhood organizationMy name is Willie Fleming. For the past several years, I have lived at 1401 E. 75th Street Chicago, IL 60619. I am now writing to you because the U.S. Department of Housing and Urban Development (“HUD”) recently attempted to evict me from my apartment. I and the other tenants that live in this building are seeking to contact HUD to ensure that we can continue to live in this building. In 2007, I began renting this building from one of the former owners, Patricia Hill, with plans to work out of it for at least the next ten years. As soon as I moved in, I did my best to make this place not only a comfortable place for me to live, but also a resource for others in the Greater Grand Crossing neighborhood. As this is a mixed-use building, with both residential and storefront business space, I took it upon myself to reach out to local residents to see that it be used for programs and activities that benefited children, single parents, and others in need. By the time that I learned that the building had been foreclosed on in 2008, I had signed subleases with several tenants and local organizations. For a period of time, a food give away drive, a young women’s empowerment program, a youth poetry program, and an adult literacy initiative were all being run out of this building to provide services at no charge for those in the community. All of these efforts ground to a halt in March 2010, when Citibank and HUD began their eviction at the building. Even though we had received no notification about the foreclosure, nor were we given an opportunity to present our lease to the new property owner, we faced repeated eviction attempts that disrupted the constructive work we were doing with local residents. In addition to reaching out to the former owner, Ms. Hill, we also attempted to contact her commercial lender, Citibank, but we were unable to make any headway. In January 2014, my subtenants and I were forced to evacuate the property after the new property owner or its contractors had the heat cut off in the middle of winter. Over the next several weeks, we attempted to return to the property but faced the mounting task of repairing the significant damage that had been done to the pipes, walls, and floors after the building was allowed to freeze. By late February, we had been able to secure the property and begin making repairs. This process of making repairs to the property continued until June 2014, when we found that a contractor from Safeguard Properties LLC had, without any notification to use as the tenants, begun removing our items from the property. After notifying the contractor of our tenancy and contacting the police, they were forced to stop, but Safeguard ultimately refused to honor our claim for the items that had been taken from the property. Since August 2014, my subtenants and I have worked to make extensive repairs to the interior and exterior of this building, spending over $20,000 to address the damage done after the heat was cut, the pipes burst. Not only did we prevent it from being left as a vacant property, we also hired local tradesmen to make the repairs and convinced them to hire local youth to learn from them on the job. Ultimately, we hoped that the repairs that were made to this property might serve as an example for other organizations in how to address the growing problem of vacant properties and youth homelessness on the South Side of Chicago. On April 1st, 2016 the Cook County Sheriff executed an old eviction order. However, tenants still remained in the property because they did not have alternative safe, decent and habitable housing. These tenants have documented work on the repairs of this property as well as an extensive documented record of volunteerism with multiple organizations as they battle unemployment and the lack of labor force participation. In spite of these facts, they face continued threats of arrest for trespassing and theft of their property by the property preservation company.
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!
FREDDIE MAC: DON'T EVICT, ACCEPT RENT!My name is Rose K. Webster-Smith and I live at 87 Leatherleaf Dr. in Springfield Massachusetts. My husband and I live there with our three children ages 25, 11, and 8. In October of 2011, Freddie Mac foreclosed on my home and sold it back to themselves for half of what we had purchased the property for during the height of housing bubble in 2006. We never made a single payment to the original mortgage company, Merrimack Mortgage, because they immediately sold it after we closed on the home to US Bank Home Mortgage who was the servicer for Freddie Mac. A few years after we bought the house I began to have health issues which inhibited my ability to work. At the same time, during the economic crisis, my husband’s employer began to restrict workable hours for the employees, not allowing any overtime and not issuing cost of living raises for three years. Also during this time, our health care costs went up every year further constricting our income. All of these situations led to us falling behind on our mortgage. We actively pursued getting a modification from US Bank Home Mortgage and we eventually entered into a trial HAMP modification in June 2011 and paid all three of the required trial payments. Unfortunately, when it came time to complete the paperwork to make the trial modification a permanent one, we suffered another life event and were not able to send in the paperwork with certified funds on time. I then contacted US Bank to let them know what had happened and applied for another modification. US Bank never contacted me letting me know that we were missing paperwork for that modification. US Bank never let me know that I had been denied the modification because we were missing paperwork so that I could appeal their decision and get them the missing paperwork. They instead foreclosed in October of 2011. For the last four years, my husband and I have maintained the property. We mow the lawn and trim the vines, rake the leaves to make sure the outside is maintained and looks nice. We maintain the furnace every year and make sure it is cleaned out with new filters each winter season. We make sure that the walk ways, the driveway, and the fire hydrant are shoveled out after each snow storm. We make sure the hardwood floors are polished and well preserved to make it through to another year. We have kept the property as we would have maintained if it were in our name, with love and hard work. Our children know no other place to be there home except this one and all they want is to be able to stay in the house that we have made a home. I am an active member of my community. I volunteer with the Springfield Read Out Loud Program in the elementary schools. I do educational talks and events on Native American Culture in the school classrooms. My home is in between the elementary school that my daughter attends and the middle school that my son attends, allowing me to continue to play an active role in both of their educations. My neighbors and I, all look out for each other and help each other out when anyone has a need in our community. I am a part of the Springfield Bank Tenant Association. We are collectively opposed to the mass evictions being carried out by the banks after foreclosure. They are causing untold suffering to thousands of people and dragging down our communities. We are committed to doing what we have to do to fight against these evictions and the destruction of our communities but we would rather work out an agreement with Freddie Mac.
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!!!!!!!!!!
Fannie Mae: Keep the McClendon family in their home!My name is Arlene Deborah McClendon Richardson. I’ve live at 10008 S. Peoria St., Chicago, Illinois 60643 for 40 years. My siblings, my brother in law, and I now live here and I are seeking to negotiate with the bank to stay in our home that our family previously owned before it was lost to foreclosure. After my father, Lucius McClendon died, my mother Bertha M McClendon decided to obtain a Reverse Mortgage because of an old construction loan. A woman by the name of Marsha E Barrett arranged for my mother to get a Reverse Mortgage with Financial Freedom. Marsha E Barrett negotiated the deal with Financial Freedom. Marsha E Barrett was later indicted for mortgage fraud by the Federal Government. My mother Bertha M McClendon later died in April of 2010. Since then, my siblings, brother in law and I have been trying to purchase our home back. We have gone back and forth to court. During most of the Court Proceedings, we did not have an attorney. During one of our last Court Proceedings, Cordilis & Associates did not follow all of the Foreclosure Steps. They were allowed by the judge to disregard the previous judge’s order, and because of that ruling, the property went straight to foreclosure. Federal National Mortgage Association now claims to own the home and is seeking to evict us from our home. This process has been traumatizing, and stressful to my family. We are a part of this community, we are hardworking, and would like to buy this property at the current real value.
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!
HELP: 73 Year Old Veteran with Stage 4 Cancer Being Foreclosed and EvictedThe last lyrics to our beloved National Anthem, are, “the land of the free and the home of the brave.” It is often said that we are free because of the brave men and women that risk their lives serving in the United States military. My Dad is one of those brave men. During the tumultuous Vietnam era of the 1960s, my Dad admirably served his country and volunteered for the United States army. When his country needed him most, my Dad didn’t run. He stayed and risked his life for a free America. Sadly, now that he needs it most, America isn’t helping my Dad. My Dad is now 73 years old, battling Stage 4 colon cancer, and facing the real possibility of being homeless. Before his diagnosis, he had a mortgage. Banks over-inflated the value of his home, to inflate the market and line their pockets with money that wasn’t really there. Eventually the bubble burst along with the economy and the value of homes plummeted. Like many other Americans, the home he purchased was no longer worth anywhere near the amount of the mortgage. It was during this time that my Dad was diagnosed with cancer, which is a very expensive illness to treat. He could no longer afford to make payments on his home. He went to the bank for assistance, for a loan modification, for something to keep him from being homeless. My Dad wasn’t asking for a free ride. He was only reaching out for some help until he could get his feet back on the ground. Despite his desperate pleas, StateBridge and their investors known collectively as Encore Trust would not help my Dad, instead choosing to rip his house from under him. On June 8th, StateBridge bank and Encore Trust (with the help of the Kendall County Sherrif’s Department) will physically remove my Dad from his home, leaving him homeless. My Dad will not vacate the premises because a soldier doesn’t cut and run. America is free because of brave men like my father. When his country needed him, he didn’t run, he served. Now he needs America. We can not let him down.
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.
Don't Allow Abusive Landlords to Illegally Evict Tenants-Support The Trice Family!!!My name is Teressa Trice and I am a tenant at 5644 S. Seeley, with my family: three daughters, son, three grandkids, and partner. I have lived here and paid rent for the past 4 years. The house that was recently quit claimed (transferred) by CHASE to Nidia Mejia, whom is now trying to illegally evict me. When I first moved in I was paying rent to a CHASE bank account, payable in the name of Ahkeva Calvert (Loivse Benson/property manager). Then Ahkeva Calvert communicated that all payments were to be made by either Money Order or Cash directly. We paid but did not get a fair return for our rent because the building has needed a great deal of maintenance to remain livable: electrical, heat and plumbing issues. The landlord’s response to these issues was not sufficient. For example, the issue of electrical problems was met with the landlord’s solution to bring lamps and place them in the home even though safety was a serious issue along with other electrical problems. To remain habitable my family has paid for repairs with no reimbursement. However, many issues were not within our price range. Because some of the issues to the home were demanding, costly and dangerous I made the decision to call 311. After contacting 311, an inspector came out and immediately noted there were many different violations that should have been dealt with before occupancy. Then the city notified Ahkeva Calvert to appear in court where the city city placed liens on the property. If this were not enough, in 2014, I found out the home was in the foreclosure. Apparently, the foreclosure started on 5.18.2012. In the four years we have lived here, our landlord never notified us of this. Landlords are mandated to do so. We continued to pay rent. As January ended, an influx of mail addressed to Ahkeva Calvert from CHASE started to come. I called CHASE’s 1-800 number and talked with a representative about the information regarding foreclosure; no one called back for a follow up. Although we did not know this at the time, the landlord apparently ‘corrected the mortgage’ on 6.4.2013, possibly a modification. Following this, on 11.13.14 the city of Chicago used NHS Redevelopment Corporation (housing non-profit) to take my landlord to court for the housing code violations and liens. In the same day, NHS then transferred the certificate of the house to itself for $10. Although this happened in November 2014, it was not recorded by Chicago’s Recorder of Deeds until 12.5.14. Additionally, the Chicago’s Recorder of Deeds documented a deal between the Department of Housing and Urban Development (HUD) and CHASE Bank on 12.8.14. This was a deal where HUD quit claimed (transferred) the home to CHASE Bank for $1 on 11.13.14. The next property recording is also 12.8.14 for a transaction that took place on 6.14.2014, where HUD apparently received the property through the Judicial Sales Corporation on 5.24.2014. Hence, CHASE Banks ability to have the property quit claimed to them from HUD. All of this finds its way to 2015, where CHASE then quit claimed the property to Nidia Mejia, my current landlord, for $10. This transaction took place on 3.11.15, but was not recorded until 4.3.15. Starting in the first week of April, Nidia Mejia and company came to my home and threatened me with an illegal eviction: 48 hour eviction notice. She tried to coerce me and my family to sign illegal documentation to get me out. Nidia also calls me from 7:30am-midnight incessantly everyday asking me to leave within 48 hours. Furthermore, Nidia sits out in front of my house, in her car for hours at a time; once she came onto my porch with a crowd of people trying to gain entry. I have had to call the police to get her to leave, on some occasions. All of this intimidation and harassment continues without any court filings for an eviction. But there is no reason to evict me. I pay my rent. I am a part of the community. I even helped clean up the house, as my house was once used as a gang hang out. I fixed that. If I see things wrong, inducing violence, I call the police. My kids are all in school. We are good community members. Please help by signing the petition and passing along!
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!
Stop Wells Fargo Home Mortgage from stealing our community!It is ruining our economy. It is unfair, unjust, and ILLEGAL! Homes that families could be raised in, neighborhoods where communities can flourish, just as American nieghborhoods should! This is our experience with Wells Fargo Home Mortgage....... In January 2013,We expirence what I thought was a hardship when my wife's hours had been reduced.I tried to manage things on my own.I had missed a couple payments,In the meantime the postman was leaving yellow post its in my mailbox saying I have important documents to pick up at the post office from Wells Fargo 2-3 times a week. I relize after a couple months I couldn't manage things.I contacted Wells Fargo in hope of a loan modifcation.I presented my check stubs,bank statements and bill info. a couple of times while filling out their loan mod. application, due to them saying they never recieve it or it was misplace. One day my wife put the phone on speaker and we chatted with a lady by the name of Billy Wright. Now Ms. Wright tells us everything we want to hear they can do the talking to Wells Fargo for us.But I had to send them check stubs,and all the info that I sent to Wells Fargo,and 3 payments of 500.00 dollars.After a couple weeks,I chatted with Wells Fargo who said hadn't talk to a Billy Wright. After getting little upset the emails between Ms. Wright and myself ended.At this time Wells Fargo was not being difficult. We just made the wrong decision.We thought that she would assist us better because they knew how to deal with Wells Fargo.I kept talking to numerous Wells Fargo Reps. that said my chances of getting a modification done is greater if I was behind on my payments. We managed to get approved for a modification with my payments going from 780.00 to 741.00 .For the first 3 months of the modification they call the trial period my payment date had been switched to the 15th of the month.Even though we weren't happy with the actual amount it was reduced .My Wells Fargo loan preservation rep. Sophia agreed that the 40.00 dollars doesn't improve the situtation any.The payment date of the 15th however did help my situtation and I express this to Sophia who stated she'd tell her underwriters,because they don't want to make things worse.Plus we thought we had no choice but to except the reduction.So we look for the only good thing going for us. After the trial payments were successful ,they put the payment date back to the 1st of every month which in turn,we ended up late every month with a 50.00 dollar late fee they charge.We ended up paying a payment of 790.00 a month.Which is 10.00 dollars more then I started with.When I ask why would they switch the payment date to the 15th for 3 months just to switch back?I never recieved a direct answer,except whispers of thats how its done. Almost a year later to our displeasure after 14 plus years at same company my wife was let go from her employment.Our hardship just magified double then the year prior.I attempted to make things work out the best I could.After using up all other means we had to assist us.I called Wells Fargo in hopes they would re-evaluate our case or just point us in a direction of someone that could help us.Wells Fargo rep. Crystal Espinosa stated they don't normally look into a case for atleast 2 years after their modification.But it doesn't hurt to fill out the paperwork and see what they can do for you and not to make any kind of payment on an open case.I was always under the impression that banks wanted to keep people in their homes not to foreclose on them.So I again fill out and presented them all the documents they require as I did a year before.This time though I notice things were alittle different on Wells Fargo willingness to talk to us.I wasn't getting the post its from the post office like before,then I was told my rep. switched to Sherry McLean.So I was explaining my situation to a third rep.I ended up without electricity for a couple of months in efforts to send extra to try to catch up.Wells Fargo ended up denying us and sent me a check for the amount I over paid stating that they don't accept partial payments.This being our first home we were willing to do anything we could to keep it.I ask if there was any place they could point me to for help?Their reply was they are not allowed to assist in what someone should do. This is just the first half of our nightmare. I will continue to post updates as I recieve them. To make a very long story a little shorter....we got some good news this afternoon. Parker Maertz from the office of MN Attorney General Lori Swanson, sent WF a letter demanding them to reply and reconsider within ten days from today 3/28/2015.
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.
Chase Bank: Do I Matter?My name is Deborah Graham and I purchased my home in 2003. I am a Licensed Practical Nurse and a Veteran of the United States Army. In 2008, I had my first of many health issues which caused me to start falling behind on my mortgage. I repeatedly contacted Chase Bank to work out some type of modification. Over and over again, I sent in the documents that were asked for but to no avail. I hired lawyer after lawyer and all they did was collect their retainer and left me holding the bag with no help or advice for my situation. After years of going back and forth with Chase Bank, they finally foreclosed on my home in July of 2013. Since the foreclosure, I have been trying to work with Chase Bank's legal team to work out some arrangement to allow me to stay in my home. Instead of working with me, Chase Bank got a summary judgment in court to evict me from my home. At any moment now, they can serve me with a 48 hour notice to evict me from my home! I have an extremely vested interest in my home. I watched them build it from the ground up. All the trees, rose bushes and plants that are on that property were planted by me with my blood, sweat and tears. Every aspect of that home is part of my soul! To Chase Bank this is just another house to make a profit on, to my family and me, this home is our American Dream! I have been pre-approved for a mortgage with Boston Community Capital to buy back my home at its actual value. I am also willing to pay rent to avoid eviction and homelessness. I am demanding that Chase Bank stop this eviction and consider my buyback or rent offers immediately. Please sign my petition to stop Chase Bank from taking my American Dream and removing my family from our Home!
American Residential Properties & WRI Property Management: Keep Michele In Her Home!My Name is Michele Swan, I am the mother of three beautiful children living in Ellenwood GA since June 2006. Despite purchasing the home in December 30, 2003, due to a health condition I required around the clock medical care and was staying with family. By 2006 I was in our dream home, and had the pleasure of raising my children there. After going through a difficult period in my life, I was divorced from my ex-husband February 28, 2012 and subsequently was awarded my home as part of my divorce decision. For the first two and a half years my ex-husband did everything he could to refuse me access to the Chase Mortgage account, in fact he denied my access to even speak with agents. It went on for so long that in May 2013 I had to go to court and explain to the judge that he refuse to give me access to the account number and the payment history. My ex was again ordered to give me access to our mortgage account as a result of the hearing, but again refused. I called time and time again to explain my situation to Chase, but they continued to ignore me despite all of my legal documentation. In June 2014 my ex-husband stopped paying the mortgage in a bid to have me evicted from the home. Despite all of my documentation, including court filings showing he was in contempt of a court order, Chase continued to ignore me and was more than happy to block me from the home’s mortgage account. Ultimately they ended up foreclosing, despite my trying to pay every month and turn the house over to my name. In November I was told my home was going to be sold on the courthouse step in Henry County. By this point I had contacted Chase over and over, I even faxed over a mortgage application, a pre approved mortgage, and my credit score to Chase attorneys in an attempt to show what they refused to do time and time again leading up to the foreclosure. In the end they didn’t care the house was rightfully mine, they didn’t care my children were displaced, all they cared about was selling the house off to the highest bidder, refusing time and time again to allow me to purchase the home. Despite my efforts they went ahead with the foreclosure, the house was bought by American Residential Properties (a real estate investment group) who then in turn had WRI Property Management evict me. I even tried to stop the eviction, and am still battling the wrongful eviction in court, but still they continue to ignore me and caste me to the side in favor of a profit margin. American Residential Properties should sell my home back to me for what they paid for it. All I want is for this nightmare to be over so my family and I can live in our home in peace.
US Bank: Stop Trying to Evict Barbara Conway and Her FamilyMrs. Conway’s story starts with the purchase of her home in 2005. Barbara took out the mortgage with HOME EQ through Neighborhood Lending Service (NLS). NLS was the mortgagor, as they released the property. Barbara was so happy to have a home and was looking forward to her time there. She expected affordable monthly payments which she would be able to maintain. However as time went on, mortgage payments increased and became unaffordable; Barbara discovered she had an adjusted rate mortgage. Monthly mortgage payments began to sky rocket to $2,500. These egregious payments continued for a couple of months until she was unable to pay. To make matters worse Mrs. Conway’s work was inconsistent; these payments would have been unsustainable even if Barbara had consistent work. It came down to her paying the mortgage or eating. And thus, Barbara attempted a refinance with Equifirst on 12/05/07. Unfortunately, income continued to fluctuate and a foreclosure summons was sent in 2008 from Sutton Funding LLC. Barbara was never served but started a loan modification application. Through this, she received a default forbearance beginning on 10/30/08. The payments were supposed to be $4,097.45 per month from 10/30/08-04/30/09. Barbara made one forbearance payment but could not maintain this. If Barbara couldn’t pay $2,500 monthly, then how could she manage monthly payments of $4,097? As Barbara continued to struggle, she received a letter from Home EQ stating, “In response to the housing market,” Home EQ will modify the loan with a lower fixed rate: 6.5% new monthly and interest (for the remaining term of loan). $1939.68 was the payment, effective 9/1/08. However, Barbara missed a payment due to seasonal employment. The Recorder of Deeds indicated another foreclosure summons was filed February 17th, 2009. Barbara again did not receive any notification. On 02/19/09, Home EQ sent a letter in regards to reviewing a request for a loan modification. However, they required a down payment for the application: $3,900 was due by 03/13/2009. While sending this letter to offer a 'solution,' they continued with the foreclosure; she was dual tracked. As a last ditch effort, Mrs. Conway filed for bankruptcy with the Debt Stoppers; the cost was $3,500. Mrs. Conway then filed Chapter 13th which lasted until 2-8-2011. Chapter 13 stopped the foreclosure thankfully! However to her dismay, Barbara was fired from her job almost immediately, after filing for Chapter 13. And thus, she was only able to make several payments. Principal reduction was Barbara’s next attempt. Sadly, the loan modification was denied. When this was denied Barbara had no other choice but to file for Chapter 7 bankruptcy at another $3500. Chapter 7 only could delay the foreclosure for so long though. And on January 15 2013, New York Bank of Mellon Trust filed for foreclosure. This was the first time Mrs. Conway received court papers, in the mail. She attended court on March 18th 2013 stating her case, and then some; Barbara had stated that BNY Mellon had inaccurate claims on missed payments. This was disregarded. After multiple court dates and a renewed loan modification application with Northwest Side Housing Center, BNY Mellon continued for the Order of Possession.
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.
Wells Fargo: Don't Evict George Douglass from his home!My name is George Douglass. When my wife and I purchased a home in Rochester, NY in February 2008, it was a dream come true. It was to be a haven of stability and security. Yet that dream has now turned into a nightmare. Despite my best efforts, despite ill health, and despite my ability to make payments, Wells Fargo has foreclosed on my home and an order of eviction is in effect. In 2008, my wife and I were both employed by the Hyatt Regency Rochester Hotel where I had been working for eleven years. She was also attending nursing school and we were raising two children. Our lives seemed stable and the future bright. Then in May 2009, like so many others after the banks brought the economy down, I lost my job due to cut backs. I was able to get unemployment and a temporary job that lasted six months, but hard times took their toll. Shortly after the job ended, my wife and I divorced and she moved out of the house. My health declined, the unemployment checks ended, and my wife was no longer there to help pay the bills. Now in my 50's and suffering from health issues, finding employment was a challenge. Looking at hard times ahead, I applied for a loan modification. Nothing came through. I was diagnosed with type II diabetes, severe hypertension, high cholesterol, congestive heart failure, and pulmonary sarcoidosis (the autoimmune disease that contributed to the deaths of Reggie White and Bernie Mac). After bureaucratic delays, I was finally approved for disability. In May 2011 Wells Fargo took over my mortgage and made no effort to work out a plan with me. Only one month later, they opted to aggressively foreclose on my home with the help of the now disgraced N.Y. foreclosure mill attorney Steven J. Baum. Wells Fargo went through hard times, too, but when they were struggling, they received massive bailouts from U.S. treasury, totaling up to $50 billion. Even though my home is on the line, I am not asking for a bailout. I am just asking Wells Fargo to allow me to continue to pay a fair monthly amount so I can remain in my home. I believe this to be both a moral question and an issue of justice. Houses all over Rochester lay vacant and in disrepair due to unjust foreclosures. I will remain in my home. I am asking Wells Fargo to withdrawn the eviction, and am working with Take Back the Land Rochester to launch a public campaign to shine light on Wells Fargo’s unjust practices. I join with them to oppose the mass evictions being carried out after foreclosure by the banks, causing untold suffering to thousands of people and dragging down our communities.
Fannie Mae: Don't Evict Jeff, Negotiate! [Eviction 11/18 @ 10AM]My name is Jeffery Nelson Solivan and I live at Edgemont St in Springfield Massachusetts, where Fannie Mae is trying to evict me from my home after foreclosure. I have lived in my home since October 24, 2007. FNMA has scheduled an eviction on my home for Tuesday November 18, 2014 at 10:00AM. I am asking for your support to demand and urge Mel Watt and Fannie Mae to consider again my offer to rent the property using the affordable housing voucher I have, which is in line with the Federal Government’s [HUD] standards for affordable housing. In 2007 when I bought my home, I was told by the bank that I would get a straight loan because my credit was good. Once things were underway with the real estate agent, Acuna Real Estate, we went to purchase the property for $85,000. I went and signed my paperwork so that I could move into the house. I had been led to believe I would have one loan with one interest rate. Being a first time homebuyer I was so excited to be able to purchase my first home at a price that I thought would work for me. After I signed all of the paperwork, I found out that Bank of America fixed me into two loans, even though I thought I was only getting one. One was for 80% and $68,000 on which I was given a fixed rate 30-year mortgage at 6.75%. But on a second 20% loan, for $17,000 they fixed me into a 9% interest rate. When I bought my home in 2007 I had a good job working for Friends of the Homeless as an intake staff. In 2008, a new director came in and I was released from my job without explanation. I had to go on unemployment, but unemployment eventually ran out. I had also been married, but things went awry in my marriage, and we ended up getting a divorce. In the meantime, after I lost my job and once unemployment ran out, I have had times that I have had no income. I’ve tried to get aid for the elderly, but the amount provided was not enough to be able to pay for housing. Combined with going through the stuff with the property and not being able to find work I fell into a deep depression, and there were many days that I thought about ending my life and my career. I’ve started going to therapy one to two times per week, which is helping, but my mental health and state of mind is making it very difficult to find work. I would much prefer to work than to be on social security, but I’ve been forced to try and live on a very small amount of money. In addition to my mental health, I've had other medical conditions. I have heart trouble and suffered a heart attack in 2006. I now have a stent in my heart. I have been diagnosed with diabetes & high blood pressure. September 22, 2013 I was struck by a car on the corner of my street further adding to my health conditions. Since February 2013, I have been receiving Social Security which is giving me a steady income of $776 per month. I am willing to use some of that to be able to stay in my home and prevent another property from becoming vacant on the street. There are already 8 other vacant properties, at least 5 of them are owned by banks after foreclosure. I moved to Springfield on February 7th of 1967. Growing up in Springfield, I went to school here. I’ve worked in my community my whole life. Through working at a homeless shelter I have gotten to know many people. I stay involved in the community to plant seeds and support people all over, from youth to adults, in changing their lives through faith and god. Owning my own home, people in the neighborhood have asked me to help do landscaping work all over my street, because I used to be able to keep my home up so well. Together we’ve been able to build a good community to live in in Pine Point. I am part of the Springfield Bank Tenant Association. We are collectively opposed to the mass evictions being carried out by the banks after foreclosure. If necessary we are prepared to organize an eviction blockade and my neighbors are prepared to stand with me to fight any attempt to evict me by Fannie Mae,
Reverse Mortgage Solutions, Inc: Stop Evicting Grandmothers like Louise HammondsReverse mortgages are supposed to help the elderly live out their days comfortably. Instead, they are displacing a vulnerable population in Chicago, and across the nation, insidiously: the promise that end of life matters will be respectful and graceful in the home. Companies like Reverse Mortgage Mortgage are monsters for what they do to our elders. In Louise's case, they expected her not to fight. However, they were wrong. Because RMS withheld vital information, even after federal counseling laws weremandated, they will held accountable.
Help Liberate the House On Ridge/Ayude a Liberar la Casa de RidgeJorge Ortiz and his family have lived in the liberated house on Ridge since 2012. It is both a political space and a home. The multi-generational family that resides in the house has created a space that is welcoming to the larger community and a testimony to Zapata's idea that the land belong to those that work it/ "la tierra es de quien la trabaja." With the help of community members, gardens were recently installed, which will produce food for the neighborhood. Film screenings, musical events, and community meetings also take place regularly in this home. It is the hope of the Calivillo-Ortiz family, Communities United Against Foreclosure and Eviction, and the Centro Autónomo that the home be donated to the Casas del Pueblo Community Land Trust so that the family can stay in the home and so that the house can keep serving the community.
Bank of America: Reverse Illegal Foreclosure Sale Keep Family in Their HomeAs a senior citizen, and father, my wife and I have worked long and hard putting all our money into our home for retirement. This has been home to our children, family, friends and pets. We’ve celebrated holidays, birthdays, graduations, etc. We’ve poured our hearts and souls into our beautiful garden, improvements and updates. We have nurtured great neighborhood relationships. If the Bank of America is allowed to needlessly steal our home and evict us, then we’ll have lost everything. THE BANK OF AMERICA SCHEME Like so many other good Americans the Wall Street financial crash hurt our income. We entered the HAMP program in good faith and with clean hands—with a PERFECT PAYMENT HISTORY and GREAT CREDIT. Upfront we qualified and innocently believed the Bank of America wanted to help us. However, as time went on, we felt MISLEAD and TAKEN FOR A RIDE just like the millions upon millions of unsuspecting homeowners who’ve been unlawfully foreclosed upon. BANK OF AMERICA CREATES UNBELIEVABLE DEBILITATING STRESS The Bank of America made this entire process so onerous it was causing sleepless nights, excessive stress, headaches, vision problems, back pain and relationship problems. Even during the modification process (WE NEVER MISSED A PAYMENT) the Bank of America’s negative credit reporting spoiled our credit and began affecting my business reputation. Even though we HAD NEVER DEFAULTED we had to declare bankruptcy to stop a foreclosure sale. Never in my life did I dream I’d ever be in this kind of situation. Something was not right but we couldn’t put our finger on it. At first we thought we did something wrong. I was EMBARRASSED. I felt GUILTY like I let my family, neighbors and the Bank of America down. Yes, I actually thought for a time I was a bad bank customer!!!! Onlookers who didn’t understand the banking schemes would say, “Just pay your damn mortgage!” You don’t hear much about their clever BANK SCHEMES and how they routinely take advantage of homeowners on the 6 o’clock news. By every calculation and requirement, we qualified for this loan modification. SOMETHING STINKS AROUND HERE Bank of America lost the first two sets of documents, gave us endless/senseless runarounds, made communication impossible by changing reps with every phone call we made. A clearly stated three  month trial period shockingly turned into sixteen  timely payments. Bank of America accepted and cashed every check leading us to believe they were sincere about providing a legitimate modification. After pressing the Bank of America Office of President and CEO for our modification instead we discover that our family was kicked off the program at the [9th] ninth month because as they claimed, "THE RULES CHANGED!" We even paid four  of our regular monthly payments after Bank of America kicked us off the program until the bank stopped accepting our checks and threw us into foreclosure. LOOKING DOWN THE RABBIT HOLE OF COMMON BANK CORRUPTION Perplexed we hired expert Eva Jo Sparks a competent and well respected forensic mortgage auditor. Ms. Sparks conducted a detailed 165-page investigative report and discovered: 1. We are not now nor have WE HAVE NEVER BEEN IN DEFAULT with the Bank of America. 2. Ms. Sparks team revealed a surprising litany of bank "IRREGULARITIES" that add up to fraudulent practices—the kind of illegal acts that got the Bank of America fined billions upon billions and recently yet another 17 billion for wrongful foreclosures. Our case was escalated to the U.S. Treasury for HAMP violations yet the Bank of America arrogantly disregarded the investigation and foreclosed anyway. The Bank of America worked with FREDDIE MAC, Trott & Trott to foreclose on our home. David Trott's foreclosure mill has by his own count put more than 80,000 families into the streets of Michigan in just one year! David Trott is running for Congress. Is this foreclosure king the kind of character we need representing citizens in Congress? On November 27th of 2014 we will be evicted unless you and your friends can help us stand together to let the BANK OF AMERICA know it cannot continue to steal homes from good Americans. WHO’S LOOKING OUT FOR HOMEOWNERS? As an honorable VETERAN, like my father and brother, I enlisted in the armed services to protect our free enterprise way of life. I’m proud of that fact. But today, I feel like I’m back on the front lines fighting for my life, family and home from FREE ENTERPRISE BANKING GONE UTTERLY MAD for their own profit motives. We must pull together to stand up to bank tyranny. Please help us by spreading this tragic and true story.
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
Fannie Mae: Don't Evict Marcia Iza and her family, Negotiate with Casas del Pueblohttps://www.youtube.com/watch?v=z3ANYluGaTY&feature=youtu.be Marcia Iza is an immigrant mother from Ecuador who has lived in her home for fourteen years. This is home to her daughter, her daughter’s husband who is active duty military stationed in San Antonio, and her recently born granddaughter. Ms. Iza was married when the property went into foreclosure. She suffered physical and mental abuse for years at the hands of her now ex-husband, who quit making mortgage payments, unbeknownst to Ms. Iza, during the lengthy and difficult divorce proceedings. This mishap caused the foreclosure. Instead of working with Marcia on affordable terms, Fannie Mae nearly evicted Marcia. After a coalition of Chicago housing justice organizations threatened mass action against Fannie Mae, they agreed to negotiate a sale to the Casas del Pueblo Community Land Trust and temporarily halted the eviction. After months of negotiations, Fannie Mae has been unwilling to offer a fair price and has renewed its threat of eviction if Marcia cannot purchase the home by their inflated standards. While sitting on $18.4 billion the last two quarters of 2014, it is clear that if Fannie Mae doesn't accept what we can afford to pay, they would rather have another family on the street than create permanent affordable housing, which the Casas del Pueblo Community Land Trust would guarantee. We are asking Fannie Mae to reflect on its reputation and consider our offer which will benefit the community. if you would like to donate funds to keep Marcia and her family in their home please go to Marcia's go fund me towards raising more money to buy the property to create affordable housing while keeping a family in a home. http://www.gofundme.com/ffletk
Stop the Eviction of Mildred Willis and her familyMildred Willis and her family were tricked into placing her under public guardianship by an ambulance chasing attorney. Although the Public Guardian is charged with representing those who have been abandoned by their families, this programs has been routinely used to take the pensions, savings, and other assets of unsuspecting seniors. Indeed, it now seems that this attorney was part of a coterie of attorneys and judges who, by working through prior arrangements, have maneuvered other seniors into public guardianship to gain access to their assets. Since 2012, Mildred Willis 74 has repeatedly asked to return to her home. Instead, the Guardian's office nearly lost it to a foreclosure by Charter One Bank, until the Chicago Anti-Eviction Campaign helped to get it out of foreclosure. Once the foreclosure was halted, Mildred stated to her probate judge, “I only need dialysis. Please order the guardian to send me home.” But, Mildred’s wishes have been ignored by Judge Carolyn Quinn of the Probate Division. Instead, Judge Quinn has authorized the Guardian's Office to do whatever necessary, including evicting Mildred's daughter and grandson, to cover the cost of a keeping her in a nursing home she does not want to be in. Mildred just wants her freedom back to spend the remainder of her days with family, friends and community. Even though Mildred has repeatedly asked Judge Quinn to “PLEASE….. PLEASE let me go back to my home," the Adult Guardianship Division of the Cook County Public Guardian’s office is firmly resolved to keep Mildred in a nursing home. Carrie Fung, the attorney working on Mildred’s case at the guardian’s office, has moved Mildred from the Renaissance At 87th Street nursing home to the Symphony nursing home, while strictly limiting her visitors, depriving Mildred of her family and friends. In spite of her children's best efforts to fight it, the guardian's office secured an eviction order against Mildred's daugther and grandson in May 2014. While they claim that they needed to sell the house to cover to cost of her nursing home confinement, they continue to ignore is that Mildred wants to leave her nursing home and come back to her family. She does not want to see them evicted. But the sale of her home will make it impossible for her to have a home to come back to. This is a shame, not only for the Willis family, but also for the community of Calumet Park, a place that the Willis’ have called home for more than forty years.
Don't let fraudulent banks take away erica and dave's home!We have been living in our home for over a decade. This is the home in which we started our life together, and this is the home in which our daughter Hailey Anne would celebrate her 2nd birthday next week... if we were not being unfairly evicted on Monday. The number of times our home has been shuffled from bank to bank without our knowledge or consent in the past two years is dizzying. Eventually, we decided to look into the validity of our loan to try to figure out what was going on and who we were supposed to be paying (our home has since been taken by Fannie Mae). We realized through our investigation that, like so many other homeowners, we had been victims of robo-signing. Robo-signing is when a bank has thousands of documents signed automatically, without them being appropriately reviewed, or even looked at at all. This practice is very fraudulent, and therefore the banks' documents should be considered null and void. We should not be the ones suffering for their illegal actions. Please support us and our two year old daughter in our fight to keep rightful ownership of our property, or at least to have more time to get the banks to admit to their fraud before we are wrongfully evicted. Take a stand for housing justice with us!
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 $1,100. In 2014, the home went into foreclosure. The last noticed we received on June 1, 2014 form bank of America was the home was still in review. On June 3, 2014, someone came from the Najarian Capital Llc to the door. The letter stated the Najarian Capital Llc brought the home and wanted possession of the property within without giving us a day in court. Please sign my petition asking Najarian Capital Llc to stop their attempts to evict us and to work out a deal that allows us to stay in my home.
Stop JPMorgan's Unlawful Eviction From My HomeHousing is a human right. How can we be born into a world where our basic life support is not available to everyone? Within a banking operation; How can a company operate by disguising the origin of its product ($), while demanding transparency from the customers’ personal finances? If you don’t believe me, then ask your bank to show you the origin and history of the money that they loaned you and see what happens. I asked this question of my mortgage company and they’ve bullied me to the point of eviction. How can we expect our children to stop bullying each other; when adults are agreeing to being bullied by their bankers? Let’s make a difference for our children and demonstrate that by making a stand for what's important, positive change can result. Bullying can be stopped. Let it rain peace, love and prosperity for all of humanity.
Keep 17 Families in Their Vine City Homes!We are standing for 17 families comprised of single women and children with disabilities who participate in a Fulton County OETH Permanent Housing Program. Fulton County is forcing us to move our families immediately and succumb to persistent demoralizing and demeaning treatment by the Fulton County staff. The women involved in this program have physical or mental disabilities or their children have disabilities. Fulton County OETH is forcing us to move from our current homes to a location we didn’t agree on or we will be referred to a shelter and our belongings will be removed from our homes. We joined this program to recover from having been chronically homeless and the Fulton County OETH promised us the stability of living in a consistent location. We demand the permanent housing in Vine City and supportive services that we signed up for! On April 23, 2014—despite the fact that we have been overcoming the emotional wear and tear of chronic homelessness, have woven ourselves into the fabric of the Vine City community, and have financially invested in this promise of permanent housing through Fulton County—we were informed that we would have to move abruptly. Fulton County said that all families would be moved by July 31, 2014 to an undisclosed location. No basic information that parents need when transitioning their families was given. While in a meeting with County Manager, Dwight Ferrell and Commissioner Joan Gardner, all of the mothers were told by the Division Manager, Mr. Leonard Westmoreland, that we “have no choice and no options.” On June 6, 2014 under the direction of Mike Rowicki and Division Manager Leonard Westmoreland, the case-managers of Fulton County OETH were told to make their clients aware that they have selected a location and families will be required to vacate their homes by noon on June 20, 2014 or they will be transported to City of Refuge shelter (which is likely at capacity). We were told we could wait at the shelter and hope another program becomes available to house our families. The Fulton County permanent supportive housing program is aware that we have families with fragile medical conditions; however, despite our desperate pleas they are moving forward with terminating the utilities that power a 12 year-old child’s dialysis machine. The boy has had his kidneys removed. Moving him isn’t an option! We are fighting to stay in Vine City, where our kids have excelled in their school, where we serve on the PTA, and where we have relationships with the community and necessary healthcare providers for our children. We need help and can’t fight alone! Please sign our petition to keep our homes and stop Fulton County’s unethical practices. Below is a video of Fulton county staff intimidating women who were holding a peaceful protest outside the facility on the public sidewalk: <iframe width="420" height="315" src="//www.youtube.com/embed/0F2P3UBCmmg" frameborder="0" allowfullscreen></iframe>
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.
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!!!!!!
No More Veteran Evictions!My name is Sgt Johnson. After more than 20 years of service, I retired from the Army and bought a home in Lithonia Georgia in May of 2006. I had every Man's dream of retirement. I wanted to enjoy my community, watch the birds at my bird feeder, feed the squirrels, and provide a home for my granddaughter. I had a mortgage through Freemont Mortgage Company, I paid my bills, and was enjoying life. My mortgage was an 80/20 arrangement. 80% of the loan was 30 year fixed. 20% was fixed for 53 months. Apparently Freemont Mortgage sold my loan to Country Wide Mortgage. As we all know, Country Wide went bankrupt and became a part of Bank of America. This was when the trouble started. I was notified that the 53 month 20% portion of my mortgage was now a 15 year loan. I complained about this change to Bank of America and received a letter stating that it was not a 15 year loan by a 30 year loan! Things were going downhill fast. I was unable to get any clear answers from Bank of America. After multiple calls and letters I stopped making mortgage payments in the hope that this would force some straight answers in March of 2011. No such luck. In July of 2011 I received a letter that a foreclosure action was in progress. I hired an attorney. My attorney managed to get the foreclosure delayed but accomplished little else. A letter was allegedly sent to me indicating that foreclosure was again imminent. I never received this letter. The County claims to have sent notification about an eviction hearing--I did not receive that notice either. In May of 2013 the Sheriff's Department showed up at my home with a crew. All my belongings were thrown into the street. The next day I moved my belongings back into MY house and hired a new attorney. My current attorney has file a suit in Superior Court. I have now been served with an Intrusion Warrant--presumably because I moved back into MY home. Bank of America is trying to throw my granddaughter and me into the streets because they don't want to live up to the terms of the original mortgage! This is an intolerable situation. Please sign my petition. Bank of America must learn that they cannot trample on the rights of small borrowers! A career of military service to this country should not be rewarded with eviction!
Nationstar: Don't Evict the Cavaliers!My name is Annie Cavalier. My husband and I, who have been together for 18 years, and married for 15 of those, bought our home in April 2007. Our home has served as a source of stability for our family through hard times. Now Nationstar is trying to evict us on behalf of Fannie Mae. In 2005 I was diagnosed with a pituitary tumor, which caused me to have frequent & severe migraines. My husband was working and able to pay the mortgage, while I cared for our teenage daughter. Then in 2009, he suffered from a heart attack which left him out of work temporarily. In 2010, after feeling sick for several months, I finally went to the doctor to discover that I was 17 weeks pregnant. I had just turned 41 years old. What a surprise! Due to my age and my tumor, I had to have many ultrasounds and tests during the pregnancy. On May 5, 2011, our daughter was born, 14 years and 3 days after our first. She suffered from digestive problems for the first year, which led to many doctors visits and the most expensive formulas. All of our medical bills and the added cost of a new child finally started to add up and we got behind on our mortgage. Then tragedy struck again. My best friend and brother's wife passed away after she suffered from an epileptic seizure in the bathtub, causing her to drown. My brother, who is in the Louisiana National Guard was left to care for their two children. He was frequently called to monthly trainings and hurricane duty, leaving the kids to stay with my family. Nationstar started the foreclosure process when he was deployed overseas and the children were living with us. Because we had legal custody of the children, we were considered a military family and should have been protected from foreclosure while my brother was on active duty. When I told the representative from Nationstar this, she remained silent and said there was nothing she could do. Last year, as our foreclosure sale date was fast approaching, we were contacted by a company that claimed they could help stop the foreclosure and get us a modification if we paid them a fee up front. I did everything that the company asked, and waited to hear back. Several months went by and we heard nothing from them. Then I got a call from our servicer, Nationstar, letting me know that our home was set to be sold on September 4, 2013. With some help, we managed to get the sale postponed, but despite all of our efforts in court, Nationstar sold our home on November 13. On March 18, the sheriff served me with a 3 day notice to vacate. I've managed to hold them off so far, but the sheriff could be back any day. Please sign our petition, and ask Nationstar to stop the eviction and work with our family to keep us in our home.
George Dabney: Negotiate with your tenants at 760 Cummins Hwy in Mattapan!Hardworking people and their families simply wish to continue living in and caring for their homes, in the neighborhoods they have come to belong to. All across the Greater Boston area, tenants are receiving large rent increases, and disputes over this have lead to a surge in no-fault eviction cases. The corporate landlords are in business to make maximum profit, but these increases are excessive. They would force families out of their homes and disrupt children's education, workers' access to jobs, and people's access to healthcare. George Dabney's treatment of 760 Cummins Hwy tenants is an example of the unjust privatization of profits derived from public investment: a new subway stop will soon open nearby. If Dabney has his way, the neighborhood residents who organized and worked to improve their community will not be living there to see the fruits of their labor. There is a new wave of housing resistance swelling. People in buildings owned by corporate landlords and absentee "investors" are refusing to go quietly. Instead of paying huge rent increases, they are demanding negotiations - collective bargaining negotiations. They want a fair contract. They are standing alongside foreclosure fighters and homeless families in need of affordable housing, to demand Homes for All!
Don't evict our neighbor Rosanne PhillipsRosanne Phillips has lived in her house since 1989, and along with her husband and two children is facing eviction by the Hudson Valley Federal Credit Union after they foreclosed on the family. Rosanne worked as an appeals representative for Medicare and was laid off in 2008 after 7 years. She got another job as a substitute teacher a few months later and despite making significantly less and having financial difficulties; she made sacrifices and made her mortgage payments. Like so many people during the crisis no matter how many resumes she sent out she couldn’t find a decent job even with a Master’s Degree. She is now working two jobs, but is still making half of the salary she had 8 years earlier. Rosanne was told by the Credit Union that they would recognize her husband’s income as a carpenter, but then they changed their mind and refused to recognize it. The Credit Union is a non-profit that is supposed to support the needs of its members and the community. Tell the Hudson Valley Federal Union that it should work out a solution that keeps the family in their home instead of evicting them!
Fannie Mae: Don't Evict Lilia and Her Family!Once people think their home is up for foreclosure, it’s like the Berlin Wall goes up. It’s the end of the road. It can feel like there is no hope, but there are many examples of people like me who have worked with banks to stay in their homes. I am requesting that Fannie Mae come to the table and offer me the possibility of setting up a rent-to-own scheme. My children were raised here and my grandchildren are being raised here. My granddaughter says, “I don’t want to move.” This is heart-wrenching. I love my neighborhood. From the diversity of ethnicities, to the fruit trees and grape vines planted by my father in our backyard, this home is my world. If Fannie Mae evicts us, where will we go? I would like to negotiate with Fannie Mae, but I am willing to take direct action to stay in my home, if that is what it takes.
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).
Fannie Mae: Don't Evict the Coronels & Allow Them to Buy Back Their Home!We have worked hard for the American dream of homeownership – I am recently retired from a career in landscaping, and my wife Juana has done factory work for much of her life. Like many Americans we were impacted by the economic crisis and our income dropped around 2009. In 2010, even though our income had recovered and we qualified for a modification, Bank of America foreclosed on us. Fannie Mae, who backed our loan, agreed to rent us our home, and for the past three years we’ve been paying the equivalent of a modified mortgage payment in rent. Then this fall, with no apparent reason Fannie Mae told us we needed to vacate our home. We are working with a housing counselor to qualify for a loan to repurchase our property at current market value. We have asked Fannie Mae to work with us. Instead, they are evicting us from our home. We received an “offer,” through Fannie Mae’s eviction attorneys, demanding a price that is almost double the home’s market value and a non-refundable 10% deposit in order to repurchase. We are asking them to be reasonable and work with us to acquire the home that we have spent years demonstrating we can afford. We think it’s time for Fannie Mae to begin using tools such as home repurchasing and principal reduction to support hardworking homeowners with the means to pay off their mortgages and stabilize our communities.
Keep our Ministry open in our community.In 2012, Agape Remah Christian Ministry in good faith purchased the church property on Lakewood Avenue in Atlanta to house their community outreach programs and staff. Recently, both Highland Capital Group and Millenium Group have declared ownership of the property and both are advising Agape Remah Ministry not to pay the other. Highland Capital Group is threatening to evict the Ministry and refuses to re-negotiate a reasonable lease. Since Agape Remah Christian Ministry was founded, it has become a vital part of the local community. The Ministry feeds, clothes and teaches members of the community who are having a hard time meeting their own needs and the needs of their families. The Ministry also provides resources to house the homeless in their area. Agape Remah Christian Ministry does the will of God by seeking and saving those who are lost. The work of the Ministry is meaningful and indispensable to the community. Veronica Elder is the founder of Agape Remah Christian Ministry on Lakewood Avenue in Atlanta, Georgia. She was educated at the University of Akron and majored in Mental Health Counseling. Veronica Elder also worked for 6 years as a Mental Health Intake Coordinator at Hawthorndon State Hospital. She has served as pastor and primary overseer of Agape Remah Christian Ministry since 2004. She has a long and dedicated history of caring for those less fortunate. Veronica Elder and her staff at Agape Remah Christian Ministry are in trouble and they don’t want to lose their facility. Please sign this petition and help Agape Remah Christian Ministry continue to help their less fortunate friends and neighbors in the Atlanta community. Thank you.
Mel Watt: Suspend Fannie/Freddie Evictions & Foreclosures NOWMel Watt is the new director of the Federal Housing Finance Agency that oversees Fannie Mae & Freddie Mac. The previous director Ed DeMarco instituted policies that harm families, hurt communities and violate federal law. Fannie Mae & Freddie Mac are 79% owned by taxpayers, yet Fannie Mae policies privilege Wall Street and private investors at the expense of taxpayers and communities and discriminate against working people who are trying to keep their homes. People like Jaymie Kelley who Mel Watt is now pushing to evict in Minneapolis. Jaymie has lived in her home for 30 years and paid for it five times over, but Freddie Mac refused to sell her home back or rewrite her loan to current market value. Jaymie organized her neighbors, fended off two eviction attempts, and garnered national media attention and support from her mayor and Congressman--but Watt's office is pushing to evict her anyway. People like David & Yanick Dunwell and their three daughters in Springfield, Massachusetts who were foreclosed by Fannie Mae after David was laid off from his job of 17 years during the economic crisis. They now have a stable income, and can afford to buy their home for the current value, and a judge recently ruled that the foreclosure was done illegally, but Fannie Mae policies prohibit re-selling homes to former occupants for current value while encouraging post-foreclosure sales to third-party investors at below current value. Now Fannie Mae is moving to foreclose and evict again! Mel Watt has an opportunity to overturn these policies and ensure that Fannie Mae & Freddie Mac serve the people, not the banks. While these policies are being reviewed and changes are being implemented, not one more Family should be put in the street by Fannie Mae & Freddie Mac. Sign the petition to join thousands of residents who are fighting back against Fannie Mae & Freddie Mac, and visit: www.NowWatt.org for more information and resources. Check Out Jaymie's Story: http://www.youtube.com/watch?v=alig8FZ4NCY Hear about the Dunwell's Fight http://vimeo.com/43614805
Freddie Mac: Don't evict the Schnieders from their homeThis has been our home for 10 years. We have two small children. I have severe mental health issues and I feel behind on two payments. Suntrust then refused to accept any payment as I did not have the full amount. My husband knew nothing of this. The last payment they accepted was 8/31/2013 and they foreclosed on our house by 1/7/2014. Freddie Mac is now demanding we leave our home. Whereas, the eviction manager from the law firm is giving us two dates to leave and have money to move. They have also forwarded to Freddie Mac our want/need to bring the mortgage current, and take back the loan (reinstatement). Nothing is happening and I have never seen a foreclosure move so fast. I was so overwhelmed I attempted suicide as my husband did not know this was happening and I was hospitalized for said attempt. Please help us.
Tell Bank of America to Return Kristy's Stolen Home and Stop her Eviction!Kristy had never missed a payment when Bank of America suddenly refused to take her payments. After Bank of America caused Kristy to go into default they then strung her along through seven attempted modifications saying they were the only way she could stay in her home. This exhausting and often traumatic struggle to save her home of 15 years became too much for her husband. The love of Kristy's life left her saying that she should just have given up. Kristy can not find it in her to give up. She is fighting not only for her home, but for what is right. Please listen to her story in her own words at http://youtu.be/mHARSS0iVyE and Please call Bank of America's Attorney Cynthia with The Castle Law Group at (303) 865-1400 extension 101417 and ask them to cancel the eviction, rescind Kristy's sale and let her stay in her home.
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 SAVE MY DADS HOME OF 25 YEARSMy father has lived in his home for 25 years. He had the American Dream, family, house, wonderful paying job.... but then he was injured on the job. It took years for him to be back to normal, and when he was, he never really was the same. By the time he could return to work, the economy had already started to fall in Michigan. He worked 3 minimal paying jobs once to keep our family afloat. Last year my mother walked out on him, with her own personal issues decided to run, rather than staying to help my dad and keeping the family together. My father was unable to make the payments just with his income alone. His house TODAY is only worth 40k, yet he owes over 100k on his mortgage. They will not take the time to listen to my father, nor help him with modifying the loan, after 24 years of NEVER ONCE missing a monthly payment of 1000 dollars, for a 700sq ft house. Chase proceeded with the sheriff sale, only for CHASE to REBUY it at 40k!!!!! He has 25 years’ worth of items here, he has his memories, he has his heart and soul in the basement he built himself. During the “6 months” Chase would not answer nor return his calls, and when he shows in person, they hand him a card saying no one is available. He heard from a friend that leasing his home would buy him more time, so he did in hopes to finding a solution, a resource that could help him. Now Chase is trying to say they don't want to honor the lease. It's just one big circle of misery. If a man lived in a house for 25 years, never missed a payment, worked 3 jobs for years to make those payments…. Fell into a hardship, Chase should HELP HIM OUT. This is his house; please sign to help him keep it. Chase's attorney, ORLANS, they have been nothing but rude to his tenant, claiming the lease is false and everyone is lying. He has done everything he can do to try and prevent foreclosure action. Chase keeps preceding and no one has been willing to help him, in claim that Chase is hard to win against. Why won't Chase help my dad? Is it true that in today's society that money is more important than humanity? What’s the point of removing my father, when he could stay and make affordable payments on 40k? I want my daughter to visit grandpa at "grandpas house", the one I grew up in! Please call Christine Ritcher at ORLANS and tell her Francis Lepine should keep his house! 248-502-1545 51st District Court: 248-674-4655 CASE NUMBER: 13-5192-LT Judge Jodi R. Debbrecht Switalski
Charter One Bank: Don't take the Lee family's homeMy name is Timothy Lee. I’m a working man, a father of five, and a grandfather of two. I live at 8143 S Morgan with my wife and one of my children. I am seeking to negotiate with the bank to stay in the home that has been in our family useto own before it was lost to foreclosure. Charter One 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 $62,178. My mother purchased this home in 1967 for roughly $17,000. My father had just died in a factory fire and my mother used the insurance payment to cover the cost of the property. She was able to buy it outright without a mortgage and then raised her children in the Auburn Gresham neighborhood. I grew up here knowing everyone who lived on our block. I even met my wife here because she lived several doors down from us. After growing up together, we married, and moved on, only to move back home years later. We moved back to my childhood home because my mother’s abilities declined as she got older. On top of that, several people had even taken advantage of her declining mental capacity to defraud her. At one point, she even got caught up in a Canadian lottery scam, where she gave her bank account number to a company that withdrew thousands of dollars from her before we were notified by the authorities and able to put a stop to it. Not only did my wife and I move back here, but I also got power of attorney over her savings to ensure that nothing like this happened again. Unfortunately, I was not able to get power of attorney before my mother took out a $40,000 home improvement loan in May 2003 with Charter One Bank, which later merged with RBS Citizens Bank. My mother, Gloria Lee passed away June 7, 2010 from rectal cancer. Unfortunately, her estate never went through the probate process. About a month after she passed, we received a notice from RBS Citizens saying that she had missed mortgage payments. But when I contacted RBS Bank to inform them that my mother had passed and that I had power of attorney, they did not share any information with me about her mortgage. Instead, RBS Citizens moved quickly so that its claim would take precedence before those of other creditors. In November 2010, RBS started taking my mother, now deceased, to court for foreclosure– just six months after she had passed away. It would be months before we knew this foreclosure case was taking place. When we found out about it, we hired an attorney, but he ended up refusing to come to court. On September 5, 2012, a judgment of foreclosure was entered against my deceased mother. Even though this case had been in court for almost two years, we had not been given an opportunity to make use of the Cook County Mediation Program or the Illinois Hardest Hit Program. In January 2013, we finally learned that it would only be $3,294.64 to reinstate the loan, but RBS Citizens responded by demanding that we pay attorneys feels that nearly doubled this amount. In the end, I even tried filing a pro se motions to stop the auction of our home. Several years ago, our home was worth nearly $130,000, but RBS Citizens purchased it back from the bank for $47,729 and the court approved this on February 6, 2013. Some months after this house as sold at auction, we got a notice from William Murray, a real estate agent with Century 21. His paperwork stated that he was working on behalf of Fannie Mae and this misinformation confused us even more as to who really owned our mother’s home. However, rather than answering our questions, Mr. Murray only wanted to know who was living in the home. With this information, RBS Citizens prepared a summons to evict my family and I from our home. We were able to stop three eviction attempts, but we could be faced with another.
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/
US Bank: Give Candejah Back Her Home!I bought my house and moved to Springfield, MA in 2005 with a mortgage from First NLC Financial Services. I didn't know it at the time, but I was given a loan that had an adjustable interest rate starting at 8.99% and that could rise as high as 15.99%. I didn't know it at the time, but I was one of millions who were victims of banks predatory lending practices that preyed on families like mine. When I bought my house I paid $129,000. Now its not even worth $30,000. At the time I was working as a dispatch officer and an EMT for the New York City Fire Department, where I worked for 14 years. Life circumstances forced me and my children into a basement apartment in the Bronx, NY owned by a slumlord, where the roof above us was collapsing and rodents roamed the floors. I could literally see my neighbors apartment above me. A friend told me I should look into buying a house in Springfield, so I did. Moving to Springfield wasn't just a choice for me. I moved because I had to. I had to get out of the city and I had to find a safe and secure place for me and my children to live. In 2010 I lost my job and ultimately fell behind on my mortgage. US Bank foreclosed on my house on October 22, 2010. The night before the auction I cried like a baby. But I awoke the next morning and vowed to stay in my home and fight back. For the last three years I have been fighting for my home and leading the fight across the country to win justice for homeowners like me. In August 2013 I won my case in housing court and a judge ruled that US Bank illegally tried to evict me and threw out their case. Now US Bank is moving to evict me again. I have income again, and my daugthers do too. My 2 year-old granddaughter now lives with us as well. I am willing to pay for my house at what its actually worth now. I've paid for this house many times over. I want to be able to stay in my home and fix it up. I've fought for three years, and I'm committed to continuing my fight until US Bank negotiates and gives me my house back.