- 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
Wall Street: Stop Playing Games with the Shadrick HomeWe have been trying to modify our loan since 2010, before we fell behind in our payments due to job lose. The loan servicing company, (Ocwen) refused to tell us who owned the loan, stating that the investor (Deutsche Bank National Trust Company, As Trustee Under Pooling And Servicing Agreement Dated As Of July I , 2003 Morgan Stanley Abs Capital I Inc. Trust 2003-NC7) would only deal with us through Ocwen. We finally found the identity of the investor when we were served with foreclosure papers in 2011. The investors knew that Ocwen has defrauded and exploited consumers (see http://www.worldlawdirect.com/forum/business-finance-law-issues/52457-problem-ocwen-can-i-sue-do-i-need-lawyer.html ) yet continues to hide behind Ocwen instead of negotiating with the Shadrick family. The 500+ page pooling and servicing agreement (between investor and Ocwen) was dated July 1, 2003 but was not signed until 2007. Neither the investors nor the Ocwen know the whereabouts of the original note. The investors and Ocwen have stalled, misdirected, and lied in order to steal our home. Sending legal notices to the wrong address, directing us to seek assistance from the wrong government agencies, acting on requests as slowly as possible, and refusing to produce documents, transcripts, and information. We were following Ocwen’s instructions when we applied for their hardship program and made no payments until an appropriate figure could be reached. We had a hardship agreement 3 years earlier so we were familiar with the action of delaying payment until a new figure could be reach. When we contacted Ocwen with all the facts and figures they told us that we needed to pay all that was owed which was more than we had. They refused a partial payment and have refused payments since that time, even though we could have made reasonable payments. When we first contacted Ocwen to get back on track with our mortgage we were only 6 weeks behind. They proposed the hardship program and then pulled the rug out from under us. Once the foreclosure started the lawyers for the investors kept telling us that Ocwen would work with us to modify our loan. I believe that this was a stalling tactic as Ocwen insisted that the investor was directing them not to modify the loan. When I was finally able to speak with a representative from Ocwen and the investor’s lawyer at the same time we were dealt another body blow as we were informed that the investor’s lawyer was really Ocwen’s lawyer. Ocwen is NOT named as a plaintiff on the suit. When the person representing himself as the investor’s lawyer was confronted with this information, he confessed that since Ocwen was paying his firm, perhaps he was their lawyer too. Is this not a conflict of interest? Smoke and mirrors have plagued this entire situation. We want answers. We want relief. We want accountability on the part of the investors and Ocwen. While our mortgage may be part of some crazy spaghetti mess of a pooling and servicing agreement with 499 other poor souls, our family is not just a number on a ledger of some big bank. We are taxpayers, citizens, disabled veterans, teachers, volunteers, environmentalists, aunts and uncles, sisters and brothers. We are part of the 99% and WE WILL FIGHT FOR JUSTICE!
Wells Fargo: Stop Foreclosures & Pay Us Back! (Morristown, NJ, not Palo Alto, CA)We have all heard that "a divided house will not stand," and I, a 62-year-old woman in distress, left struggling alone -- fighting Wells Fargo Bank's and its cohorts' corruption, can tell you that firsthand. When there is a land grab like the one today, unscrupulous, opportunistic people -- including your enemies, will play on any division in your family and create it to take your family's home. Many families are losing homes this way today. In 2001, my mother died without a will and her small -- estate has been pending ever since due to the aforementioned reasons. She had owned the home for fifty-seven (57) years. Immediately after her demise, family enemies instigated division in our family to force a court-ordered sale substantially below value. In fact, in February 2009, to expedite the sale, they tried -- unsuccessfully -- to get me committed to a hospital psychiatric ward to disempower me as co-administrator of the estate. When the court-ordered sale failed, they targeted a Wachovia Bank -- now Wells Fargo Bank mortgage and Personal Equity Line (PEL) loan, opened to repair the property for sale. Their intention was cause court battles to drain the equity in the estate, and they did, with the help of Wells Fargo Bank. However, this is also how I discovered the bank's fraud. In collusion with these enemies, Wells Fargo Bank allowed an estranged nephew being exploited by them to use what appears to be a fraudulent power of attorney to take the remaining equity in the PEL account. He has no interest in the estate or PEL account. My name is on the account and I am the only one who had ever paid the bill, yet Wells Fargo never gave me a courtesy call when the fraud occurred. Temporarily, Wells Fargo replaced the funds but then closed the account, at least to me! Without notifying me, Wells Fargo held a private meeting, gave the funds to my nephew again, then sent me the bill and pre-foreclosure notice! As a result, I am suing Wells Fargo in federal court (United States District Court for the District of New Jersey, Civil Case No.: 2:12-cv-01932-KM-MAH). My attorney took the case on contingency. Wells Fargo's foreclosure mill lawyer is unlawfully representing my nephew, causing the court to favor him and punish me! In fact, after Wells Fargo gave the funds to my nephew, he underhandedly purchased my late brother's home, taking it from his children. When my attorney deposed him, he asked him if he used the PEL funds to purchase the home, and my nephew told him that someone named Felix gave him the money. My attorney then asked for Felix's information so we could investigate the lead, but Wells Fargo's lawyer told my nephew he did not have to answer the questions. More than a year later, the court has still not impelled my nephew to answer the materially-relevant questions and has allowed him to commit perjury with impunity. As usual, Wells Fargo and its cohorts are making me the public scapegoat, falsely portraying me as a deadbeat who does not work, and who refused to rent an apartment which needs repairs. I had a well-paying job until my adversaries created a false charge to make me lose it, so I could not pay the bills. The people involved also interfere with tenants. Once, I had to have a lawyer send them a cease and desist letter. Despite its egregious misconduct, Wells Fargo refuses to settle my case. Instead, it is delaying it to wear me down by inflicting legal abuse upon me. Wells Fargo's and its cohorts' misconduct keeps me inundated with oppressive paperwork, and places me under considerable stress -- harming my health. Property is being vandalized to harm me too. My mother's home was in good standing and was not in danger of foreclosure, until Wells Fargo aided and abetted the people involved. Now, the property is in jeopardy, my good credit is destroyed and I am struggling alone to survive. I sent Wells Fargo a letter withdrawing a life insurance policy, but I never received a response. My case is important because it shows you the necessity of maintaining family unity when a family member dies intestate, and because it tells you how your enemies can use banks and courts to bully you, to take your family's home to humiliate, degrade and destroy you, and to make you homeless in retaliation for exercising your constitutional rights! Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
Approve Short Sale of Hartrey 2 flat so 9 Tenants May Stay in their Home.The House on Hartrey is important to its residents & the community for many different reasons. First & foremost is the youth. The 3 children living on the first floor have recently transferred to Evanston Schools from CPS this year & would most likely be displaced into another school district to the dismay of their caring mother. Their father, Daniel Guillen, who runs a local handyman service providing for the community, would no longer have the space needed for the tools, truck & equipment required for his work. The Guillen's regularly have extended family gatherings in their apartment & the large yard. The Professional Handyman School of Evanston, a 4 year apprenticeship program teaching all aspects of residential remodeling, uses the property as its primary facility. Thomas, who has a background in house painting, video production, & music is the newest apprentice & coordinates the gardening of 11 raised beds. "I came to the Hartrey House a few months ago when I was going through a break up. After bouncing around on couches & sleeping in my car with my dog Ruby because I couldn't lease a place due to the fact that it is very hard to find a dog friendly place & also the amount of money it cost for rent & security deposit, I found the Hartrey which was very affordable. I call it "Heart-Tree" because its full of love & it branches out through the community like a tree. Its been a life changing blessing & has allowed me to have shelter for Ruby & myself. Also to be able to contribute to the community through efforts we have going is something I truly enjoy whether it be in the garden, or watching one of the visiting dogs or helping Kevin on a job, all the projects benefit humankind & the neighborhood in some way which I am a big advocate of." Another service provided for the community is Logical Lodging, LLC which provides short term pet friendly, furnished, lodging and utilities for professionals, academics, & others who are on the move or otherwise not in a position to sign a lease for an apartment. Emilio, another roommate of Hartrey & dog owner "Staying here at Hartrey was not only the most affordable option but also surprisingly rewarding for me & Pinkie. I get to hang out with dogs, cool people, have family over, and help take care of visiting dogs through Logical Lodging" Izzy, auto body detailer & room mate living at the Hartrey has reduced his commute to work by half allowing him much needed rest time after long hours put in the shop where he is also rebuilding his own truck. Kevin Keeler owner, room mate, entrepeneur & journeyman tradesman "the building is essential for the growth of the individuals here as well as both business'. I've invested hundreds of hours of repair & remodeling into the property. I would like to see the building continue to be an home for even more people and dogs in the community as well as those passing through. I am open to contributions of time & energy from creative persons interested in the property. The experience of defending against this attempted foreclosure has empowered me with a new and much deeper appreciation of the incredible power of the law." In addition, the large permaculture community garden project is a key aspect of the Hartrey. 11 full size, raised garden beds provide organic gardening opportunities, feeding the residents as well as some neighbors. In conjunction to the garden, there have been several Potluck gatherings to bring together artists, musicians, and people interested in organic gardening to discuss furthur plans & ideas to benefit the community as a whole.
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!!!!!!!!!!
PNC Bank: STOP the FORECLOSURE SALE of the Fortilius HomeI have never seen the sunset. I have lived in my home for 10 years and have worked very hard to stay there. I wake up in the morning and do not return home until 9pm at night. My home means everything to me. I fell in love with it the very first time that I saw it. The street was very quiet, and when I entered the home, I was amazed at the space. I have seven children and this home gives them the luxury to move about. I purchased my home in October of 2002. At the time I was working at Yale Genton in West Springfield. The house was refinanced twice between 2003 and 2005 because the home needed a lot of work. The roof needed to be fixed, the floors redone, new windows were needed, and siding installed. (My family and I have put our blood, sweat, and tears and our life savings into fixing our home). I fell behind on my mortgage in 2010, after I lost my job when the store I worked at closed down and moved away because of the economic crash caused by Wall Street. I looked for work constantly, night and day, finally I was offered a job at the K & G Fashion Store in Manchester, Connecticut. Although I was now receiving the benefits of income, I suffered another financial set back by having to start my business from scratch. I am a self employed tailor at K & G Fashion Store; I rent a space in the corner of the store and I had to purchase the tools of the trade that cost me about $25,000 dollars. In February 2011, I called to pay $3,000 to PNC Bank to pay the mortgage that had been overdue for three months after I lost my job. They refused my offer because I was $300 dollars short. Then on November 25, 2011, PNC Bank asked me to make a mortgage payment. I sent a check to pay for a month, but it was returned to me. Since then, for four years, I have been trying to secure a modification with principle reduction to be able to keep my families home to no avail. Now PNC Bank has scheduled a foreclosure auction to be held on October 21st, 2015 even though I can afford to pay a mortgage. This house is my life. It is what I have worked for and is what I wish to leave my children when I pass away. To anyone else, this house seems quaint. It is set in a nice, quiet neighborhood, and has the capacity to fit a large family comfortably. To me, it is much much more. It is the reason why I wake up early in the morning and come home late at night. This home symbolizes work, struggle, will, and achievement. It motivates me to work hard and encourages my children to work towards their dreams. My home is the reason why I don’t mind missing the sunset everyday. I am requesting that you STOP the foreclosure auction and work with me on a loan modification with principal reduction to the current value of my home. I would like to pay the current value of my home because it would be unfair to have me pay more money than my home is worth.
Save Senior Citizen Joan Nelson's HomeMy home was purchased with my husband, Hubert Nelson, in 1991 who passed in 2010 after being married for over twenty years. I am a senior citizen and have lived in this city since 1968. I'm a retired school teacher who taught in the Atlanta Public School Systems for 40 years. After the passing of my husband I went through a period of sickness and grief. I love my home and my community because it was where my husband and I raised our family shared together for many years. I have the income to pay toward a loan to be able to keep my home. I have nowhere else to go if my home is taken away from me. I am hoping and praying that Rushmore Loan Management Service will work with me to stay in my home. Can I count on you to sign and share my petition? I believe community pressure my be the only thing that will open Rushmore Loan Management Services eyes and hearts.
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.
Nationstar Don't Evict The El Family From Their HomeThis is a family of 10, one is developmentally disabled, diagnosed with Chiari Malformation disorder and the youngest is 1 month old.The home is close to the hospital where she is frequently hospitalized due to illness.The family had submitted several completed loan modification packages to Nationstar and was waiting for the loan modification to be completed.
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!
Prevent auction of John and Geral's home on April 29thMy downs syndrome child has lived on this property since he was born. He knows that it is home, can recite his address, and knows how to get home if he ever got lost. He is able to have his two dogs, has a fenced yard, and does not have to worry about traffic. If we have to be relocated, his confusion and lack of understanding could be detrimental in so many ways. As of today, we would be moving into a 24 foot RV that last ran in 2007. We don't know where we would park it at this time. Geral and I were profiled in the award winning documentary, "American Winter." Our friends at American Winter have set up a fundraiser account on Indiegogo.com to help Geral and I save our home. There are other funding raising activities planned but not as much of a consorted effort as Indiegogo yet. I feel humiliated to ask for help but I don't know what else to do. Any help would graciously be appreciated. All the Best to everyone.
Need a Principle Reduction from Bank of AmericaI have a disabled son who depends on me for his housing. I gave him a kidney five years ago and we are still struggling to keep up with all the debt that occurred because I took time off to give him a kidney. My youngest son is active duty and had been on two deployments in Afghanistan in the last four years. I have always had three or more jobs to keep up but it is too physically difficult to do so anymore. Don't have much help available. I don't even have the strength to move the things I have out of my house before foreclosure. Feeling suicidal.
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.
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 Me Keep My Deceased Mother's HomeMy Mother was an Educator, Counselor, Teacher and Vice Principal within the Los Angeles Unified School District for over 45 years. She proudly dedicated her life to helping others, yet was too proud to ask for help herself. When I found out my mother was ill, we spoke about her home. She told me she was sorry as she cried in my arms. I told her it was not her fault and that she did the best she could. I made a promise to her that I would work this out... within two weeks she was dead. The Lender knew she would not live to pay the refinance off as she was deemed uninsurable after suffering two previous strokes. She died blaming herself, not understanding that she was purposely targeted and preyed upon by predatory loans. I did not understand how a 78-year old terminally ill woman was given a loan for fifteen years. It boggles the mind of the reasonable person. My only option at that time was to manage the situation by refinancing and attempt to pay off her mortgage. The death of my mother and the stress of fighting for my family's home has been a nightmare. During April of 2008, I had a six-inch tumor removed that was interfering with the function of my kidneys and liver. I have also had a series of medical conditions causing high medical bills and loss of income. My family has suffered so very much during this 1,885 day process. We have been disrespected, insulted, lied too, misled. I was laughed at and told, “You people think it's okay not to pay your Mortgage” by a Wells Fargo Home Preservation Specialist. I was willing to pay an affordable mortgage and keep my promise to my mother's dying wish for her grandchildren and unborn great grandchildren to be able to own and keep our home. I was promised by Wachovia I would have a modification within 120 days. To date, I have submitted paperwork repeatedly for the past 1,885 days. In the 30+ years I have lived in the Crenshaw area, I have witnessed my community suffer so many injustices from racial profiling, the “Cash Cow” attitudes of the Banks and their auto insurance companies, I witnessed my neighbors being slowly priced out of our community through “gentrification” and the vicious trick bag that is the “Pick-a-Pay” option offered by Wells Fargo Bank, who claims to “stand by our community” yet prove by these actions and exploiting practices that they are NOT. I have seen so many people lose there homes. Not knowing which way to go like a deer caught in headlights as ruthless sharks try to “flip the property” within 60 days and steal that family's future (equity) knowingly providing loans that are toxic to the homeowner yet very profitable vertically and horizontally for the banks. The current state of the modification process is like asking a fox inside of a chicken coop, “What should he do with the chickens?” Unfortunately history has already shown us the answer to that. I love my community. It is important for us not to be invisible. Many have just walked away from their futures in silence and without hope, and conditioned to simply “put up with it”. Home Defenders League has directed a online campaign against Wells Fargo CEO, John Stumpf demanding that Wells Fargo end foreclosures, work in good faith to keep families in their homes and provide reasonable load modifications that include principal reduction. We also demand the stop of blocking communities like Richmond, CA from enacting their own programs to combat the foreclosure crisis. “The issuing power of currency shall be taken from the banks and restored to the people, to whom it rightfully belongs. The “Economic Tapeworm” behavior must STOP! Right here, right now” Sincerely, Athena Jackson “For years, cities and communities of color were targeted by predatory lending practices and sold toxic sub-prime mortgages, resulting in a foreclosure crisis. Now those same cities that were targeted by predatory lending should be able to consider their full range of options to rescue homes from foreclosure, and to stabilize communities that are facing blight because of discriminatory lending practices”. - Udi Ofer, Executive Director of the ACLU of New Jersey. “We have already seen what unchecked corporate greed can do to communities, Many of us are still fighting to keep our homes and stay in the communities we love after the harm done by Wall Street. The federal government has a responsibility to protect our right to housing—not to help sell our homes to the highest bidder.” - Gisele Mata, California Community Organizer “I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around (these banks) will deprive the people of all property until their children wake up homeless on the continent their fathers conquered”. - Thomas Jefferson
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
Wells Fargo Will not help with 8.3/4 interest rate because I am currentWells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
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.
SUNTRUST: Please modify mortgage for Cindie and her family!I love my community, my neighbors, and this is where my family wants to be. I do not want to be foreclosed on. As an Air Force brat, we traveled all over the world when I was a child. I was taught to love God, family, and country. As you would probably know, finding a wonderful home in an area where all of the neighbors are like family is a dream come true. I found that in this home in Marietta when I moved here into Christopher Robbins in 2000, we are a very friendly subdivision. I have no relatives here so my community IS my family and we do not want to leave. I am scared to death to get that knock on the door asking us to be out in 3 days. After going through various personal issues, such as a divorce, loss of my father, grandmother, aunt and uncles, within a short period of time, life became difficult. Not only did my health suffer from having to have several surgeries, as well as detached retinas, it limited my ongoing ability to work full time. I have always kept a very good credit score and paid my bills. I have two wonderful children, one is a teacher and one is still in college. I want my children to be able to stay in this home when they need to, how can I possibly tell them the home is gone and taken by the bank? When times became tough I had no choice but to take out a home equity line of credit with SunTrust to keep up my credit score and to pay my bills. I also ended up taking most of my retirement out just to keep everything in line. I now have a tiring, exhaustive project--working with Suntrust to modify my loan, the fight feels like a full time job. As a homeowner, which has been a dream of mine since I was young, I have not been able to sleep nor is my health holding up because they are threatening to foreclose and it has affected me tremendously. They say they lost paperwork, or transfer me around, and the end result is always the same--we can't modify. If you think about it, we work hard to have an opportunity to live in a home and unfortunately it has come down to the fact that we need assistance to make our loan more affordable. I have always had a high respect for paying my bills, my credit score has always been high & I was successful in my work. However, with health issues and the divorce and other things that I could not control in my life, I fell behind. Now SunTrust will not work with me. They have caused me undue stress with headaches, nightmares, many sleepless nights, and in January I unfortunately had a mammogram come back positive. If you would please sign this petition and assist me in trying to get them to make some sort of a modification to make my payments affordable I would be grateful. A modification would assist our family greatly, then hopefully my health will improve and I can continue to make progress so that I can be more productive at work. With the stress of a potential foreclosure it has been everything that I can possibly do to keep from wondering if our family will be homeless with or not. If we all stick together and you can assist me by signing this petition and forcing SunTrust to work out a modification for me I would be grateful. SunTrust offered me a lower rate at one time, but then actually did not follow through. That is very sad. I'm going to work very hard to fight this, & I hope that you will assist me by adding your name to this petition and we can present it to the executive office at SunTrust to MAKE A DIFFERENCE!! Let's do this!
Wells Fargo: Stop Foreclosures & Pay Us Back!Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
Wells Fargo : Stop the Wrongful Foreclose Actions Against Betty WallaceThis was the first home my Mother purchased on her own. From day one Wells Fargo lied to her concerning their involvement. She was laughed at when attempting to make her first payment to the Bank she believed held the mortgage. She made her payments. Including one for .01 using western Union. In her words in 2008, "They took all my money and now they are taking my house" Wells Fargo attorneys continue to lie in written statements to the Court. They have caused my Mother severe Depression which the Court has held against her. They have added to depression and loss of work on my part as well. I feel they should be charged for every time we both have had to hear, "If you made your payments they would not have done this" The Payments were made and they did this anyway.
Save Spiegel HouseThe Spiegel children on behalf of Terry and Gale Spiegel are asking everyone to please sign this petition. Terry and Gale Spiegel are being wrongfully foreclosed and threatened to be evicted from their home on TUESDAY MAY 6, 2014. The effects of Wall Street and national foreclosures of millions are affecting one more, the Spiegel's. Their mortgage loan was part of sloppy practices and loan servicing errors, which now have us in this dyer situation. Terry and Gale had their house in litigation for two years. During that time the bank has refused to come to a resolution and not willing to negotiate. If you have ever been to the Spiegel home, you know you are always welcomed with the warmest hearts. "Please, open your heart and help us, save our home" Gale Spiegel. "You work so hard to provide a roof over your head for your family and now it's getting taken right out from underneath" Gale also states. The five Spiegel children are asking you to sign this petition for our parents. We were raised in this house and have shared so many memories that we want to continue. As most of you know, our "already huge family" keeps growing. We never thought we would see our family in this situation, but after doing our own research we are realizing we are not the only ones. Bank injustices and wrongful foreclosures NEED TO STOP!!! Please stop this from happening by signing this petition!!! SAVE THE SPIEGEL HOUSE!!!!!!
DISABILITY MOM FORECLOSED AND BEING FORCED OUT AFTER PAYING IN FULL ! ON HER FAMILY DISABILITY UNITShe is being forced out in may 2014 !!!!!!! here is her story !!! In 1995 my husband and I purchased a building in Chicago in the Old Town neighborhood. In 2002 I was diagnosed with Multiple Sclerosis also known as MS. We needed to make our building handicapped accessible, as my i lost the ability to even struggled to climb thirty-two stairs to the second floor. Eventually confined to a wheelchair, On 09 August 2007, we decided to sell our building to IT2K Development LLC. We would retain our custom handicaps accessible condo in the building for price of $630,000.00, which would also include twosome handicap parking spaces. IT2K Development agreed to make the new building handicap accessible as well as the new anticipated condo home. We paid the full amount and IT2K development used $630,000.00 of our money to help finance the new construction of the building, along with a construction loan from American Chartered Bank. After two years of construction, and approval from the bank we moved into our unit. First our wide disability parking spaces were sold off and the following months we began too see the act and relationship history between the bank and the developer unfold. Our deed was being held ransom! With out warning and all units sold they defaulted on the loan agreement that started in 09 August 2007 and ended on 09 August 2009 and kept our money. They wanted us to pay again or leave. After fighting in court, A judgment of foreclosure was received against us on the 19 June 2013. We have fought for years Now, we are being forced out of our home May 2014 and we are asking for your help to keep what is rightfully ours. Thank you for your support and helping us fight for our home.
US Bank: Don't foreclose and evict Nicole Leggett and her childrenI am a full time student at Trinity International University and a single mother of 5 children. I was blessed to purchase my home in June 2012. Shortly thereafter, i was laid off from my job of 5 years. I have applied for mortgage assistance but was denied. My last resort in order to remain in my home was to file a chapter 13 with Debt stoppers seizing all communication with US Bank. Unfortunately, I have been experiencing poor communication with Debt stoppers since the filing. Because of the lack of communication, I fell behind on my first and second payment for August and September. Plus trustee fees for both months. I've called and left messages in the process looking for the first payment date. Again, lack of communication on my attorney's part. I received a letter from the bank stating that I was in default. Although I was awarded my Unemployment benefits, I was behind knee deep with my payments. I was able to make a couple of including Trustee payments, but now US bank wants to pull out of the bankruptcy. There is very little support from Debt Stoppers. The only deal that debt stoppers were able to work out with the bank was for me to pay $1,500 per month for 6 months until i am current. I truly feel that this is a set up for failure. I've tried contacting my attorney twice since I've spoken to Toussaint to aware him of the outside help that I was getting from Toussaint from the Chicago Anti-Eviction Campaign. Thanks to him I am being given a second chance to save our home. . It has been a week and still no return call from my attorney. Not only do I have to pay $1500 monthly, but my trustee fees has increased, with over $1,000 in fees just to file the motion if I agree to the payments. I have very little time to make a decision. The foreclosure process has already started. My health has been affected by this stressful situation causing me to have an anxiety attack. and weight lost. PLEASE HELP ME AND MY CHILDREN KEEP OUR HOME.
Wells Fargo: Keep Yolanda Andrews in her Home.For the past 3 years I have submitted one modification application after another, only to be given the runaround by Wells Fargo. My husband and I love our little dream home and we can afford to pay a mortgage, but Wells Fargo wants to drive us out into the streets. Help us save our home and stay in our community where we've lived for the past 12 years.
Wells Fargo stole our home and we want it back!!Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners. You are throwing innocent men, women, and CHILDREN out of their homes and it needs to stop NOW!
Wells Fargo: Keep Roxanna Zamora and her family in their home!My name is Roxanna Zamora. My husband and I bought our home in Whittier, CA in 1994 and have raised our two children, Rusty and Keilani there. Now Wells Fargo is trying to take the only home my children have ever known. In August of 2007, my husband and I made the difficult decision to end our marriage. I left our home, and shortly after that I was diagnosed with stage four breast cancer. Over the next several months, I underwent two rounds of chemotherapy, a double mastectomy, and aggressive radiation twice a day for four months. In February of 2008, I was awarded the house in a court judgement and returned to my home cancer free. Only then did I find out that my husband had stopped making mortgage payments and our loan was in default. I immediately contacted Wells Fargo to try and resolve the problem and see what I could do. I was met with a total lack of sympathy for my situation, and an unwillingness from Wells Fargo to work with me. After fighting for my life, and ended my marriage of 18 years, I was now the sole provider for my two children and our home. For years I have gotten the run-around from Wells Fargo trying to get a loan modification. I was approved for and completed several successful trial loan modifications, but Wells Fargo refused to make it permanent every time. I was told that in order to get approved, that I needed to present a divorce decree. Although my marriage had ended, my husband and I delayed filing for divorce while I was battling cancer so that I could remain on his health insurance plan. I tried to explain this to the bank, but they didn't care. They basically gave me a choice- my health insurance or my house. I chose the house because without it my children and I would have nowhere to go. Unfortunately things didn't end there. After the divorce, Wells Fargo still continued to drag me along and deny me for a modification for one reason or another. I've tried everything- I filed for bankruptcy, worked with NACA, applied for Keep My Home CA. Nothing seemed to work, and now Wells Fargo has scheduled a foreclosure sale for April 20th. I have been through years of mental abuse, stress, anxiety, depression, panic attacks, and even had suicidal thoughts from dealing with Wells Fargo, but I'm not giving up now! I will not leave my house of 20 years. What I need is for Wells Fargo to give me a fresh start- a fair loan modification reduces my principal and interest, and removes the years of added fees and arrears that have accumulated while I've been in this fight. Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners. Despite all this Wells Fargo will be celebrating its record as the country’s most profitable bank at its shareholders meeting on April 29th in San Antonio. Home Defenders like me are organizing to deliver a message that these predatory practices have to stop. Please sign my petition, and demand that Wells Fargo do the right thing for my family and all the others that are at risk of losing their homes.
Wells Fargo: Stop Foreclosures & Pay Us Back!Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
Wells Fargo: Stop Foreclosures & Pay Us Back!Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners. Despite all this Wells Fargo will be celebrating its record as the country’s most profitable bank at its shareholders meeting on April 29th in San Antonio. Home Defenders are organizing to deliver a message that these predatory practices have to stop.
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.
Nationstar: Don't Evict the Hultner's from their home.***Update: On 3/13/14, the FHFA delivered an investigative report that uncovered an unknown Active Sheriff's Sale of 4/12/14, while on the same day Nationstar stated to the Oklahoma Attorney General and OKDOCC that the loan's status was falsely on hold (due to actual fraud, Nationstar Mortgage LLC could never have legally pursued any foreclosure action at all against the Hultner's, and had the Hultner's been aware of Nationstar's fraud and had the Hultner's attorney actually verified the loan charges before the answer was filed, the Hultner's would have been able to legally rescind their mortgage to prevent Nationstar Mortgage LLC from illegally collecting any loan charges at the Hultner's closing). On March 5, 2014, the Hultner's found an attorney who represented them with OK AG funds called Restitution Oklahoma, and who failed to review the Nationstar account prior to filing an answer to the petition on 4/21/14, causing the Hultner's to have an incomplete answer filed in the court record. On 7/14/14, after hiring a second real estate agent and having at least one buyer fall through, the Hultner's finally sold and closed on their home, with a loss, due to false filings, of at at least $11,000. After numerous complaints about false credit reporting due to the unlawful changing of the type of loan stated in the note, and unlawful filings against the Hultner's, from 10/2014 to current day, Nationstar Mortgage LLC sent the Hultner's a false 1098 for 2014. The Nationstar Mortgage LLC VP of Customer Relations was recorded on 2/25/15 threatening, intimidating and humiliating Sherri Hultner in a recorded conference call that was held in front of his executive staff, all while they laughed at Mrs. Hultner. While this Executive laughed, he told Mrs. Hultner if she found a genuine error, he'd be more than happy to help her. On 3/26/15 Sherri Hultner discovered that at no time for 5 months prior to the legal filings, did Nationstar ever follow any of the Hultner's Notes terms. Sherri Hultner notified the VP of Customer Relations and Nationstar Mortgage LLC immediately retained an attorney. Finally on 8/30/15, Sherri Hultner discovered that Nationstar had illegally changed the "TYPE" of loan the Hultner's had from a 7/1 ARM using 1 Year Treasury Indexes to using 1, 3, and 6 month LIBOR indexes that were adjusted monthly instead of once annually, all without giving the Hultner's a new note to sign, giving a notice of change, and in fact spent 2 years fraudulently concealing the fact that they did so, in an effort to conceal the fact their filings were fraudulently filed and that Nationstar is guilty of actual fraud in what they did to the Hultner's. The Hultner's signed a settlement agreement agreeing not to discuss anything that "didn't conceal fraud" in exchange for a very small settlement, because no attorney was financially interested in representing the case, and because the previous Hultner attorney's refused to continue to represent them, due to their negligence, and they in fact sent an odd check for $500 to the Hultner's due to their "feeling bad for what happened to the members of the Hultner family". When asked in writing to explain if the the check was a settlement the partner on the Hultner case stated in writing that "No, it was not a settlement". As of 3/2/16, Nationstar Mortgage LLC has stated in 7 different recorded admissions, with 2 coming straight from their loss mitigation department, that Nationstar at no time in 2015 paid anything to the Hultner's and have refused to issue a 1099 Misc. for 2015, yet oddly their local attorney continues to send incomplete and false 1099 forms, with no Nationstar phone number and a false mailing address to Nationstar in Dallas, Tx.. This violates IRS rules and Federal laws, and due to fraud disallowing any reporting on Sherri Hultner's credit reports of any late payments during the time period of the actual fraudulent servicing and changing of the terms of the Hultner's note. Nationstar is continuing to violate the FDCPA, the Oklahoma Consumer Protection Act, the Oklahoma Safe Act, and FCRA. On 9/11/15, the Hultner's enacted their 3 Year Right of Rescission due to fraud that wasn't apparent in false billing statements nor immediately overtly apparent on the false payoff statements, and on 12/18/15 took a compromised settlement of part of their loan charges that were illegally collected from the Hultner's forced sale on 7/14/14. It is possible the Hultner's will continue to pursue legal action against Nationstar Mortgage LLC to collect the rest of the $11,000 in illegally collected loan charges along with damages due to the above stated statutory violations, due to Nationstar Mortgage not having any knowledge of a settlement and not providing the Hultner's with the appropriate tax forms as the IRS defined payer, and for falsely and knowingly reporting and verifying false information to Sherri Hultner's 3 credit reports for 2 1/2 years, specifically false based on proven actual fraud. Sadly, the OK AG's office did nothing and neither did the OKDOCC, who holds and supervises the mortgage industry's licenses. Original Petition: Without a modification and correction of Nationstar caused errors in actual amount due, we cannot do anything to correct or payoff our home to stay in it or even move, and even a sheriff's sale wouldn't be legal because Nationstar adjusted our interest rate too high according to the Federal Reserve's own h.15 index yields on 9/17/13, and before the first payment was ever 30 days late. Without this corrected we may end up without the ability to work and may end up homeless, with no friends or family to help.
WELLS FARGO DONT EVICT SENIOR C.C. FROM HER HOME!I am a survivor of workplace violence! But I am fighting back against Gov.Pat Quinn and State of Illinois who do not protect working women from Skinheads violent Temps. These Temps take State Workers jobs and don't have permanent work status. Mr. Quinn does not protect working women from sex harassment by a Bully Boss he helps to transfer 6 times to hide from his accountability for his actions!. I need your help to tell Wells Fargo/HSBC I have a Human Right to housing! I need your help to tell Mr. Quinn you cant take away my human right to workplace safety! I want an opportunity for Justice! Justice delayed is Justice denied. We all have a right to housing and fair, equal treatment in our workplaces!
WELLS FARGO, DONT EVICT THIS MILITARY WIDOW AND HER GRANDCHILDRENMY HUSBAND DIED IN MINE AND MY DAUGHTERS ARMS IN THIS HOME, THIS IS HIS FINAL BREATHING PLACE. IT IS MY GRANDDAUGHTERS HOME THE ONLY ONE THEY HAVE EVER KNOWN. IT IS MY CHILDRENS HOME, 2 ARE STILL HOME 22 AND 17. AND IT IS MY HOME. IT IS MEMORIES, IT IS LOVE, IT IS STABILITY. IT IS SO IMPORTANT TO ME TO BE ABLE TO STAY IN THE HOME WE LIVED IN TOGETHER. IT IS OUR PLACE TO FEEL HIS ARMS. HIS SPIRIT WATCHES OVER US IN THIS HOME. PLEASE PLEASE ALLOW US TO REMAIN IN THE HOME THAT HOLDS OUR MEMORIES OF MY HUSBAND, MY CHILDRENS DAD AND MY GRANDCHILDRENS PAPA.
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.
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
Ocwen: Negotiate, don't Foreclose! Keep the Hamilton Family in their Home.We are the Hamilton family and we have roots in our Port Reading, NJ community. Our teenage children deserve to stay in their same schools, to stay in a home full of memories of their older brother who passed away, to have the security of knowing they will not have to move. Our mortgage was predatory from the beginning, with a no-doc, 11% interest loan even with a $20,000 down payment. Ocwen recently settled $4 billion law suit to work with homeowners like us and they need to work with us instead of making yet another homeless New Jersey family.
WELLS FARGO: STOP THE SHERIFF SALE AND KEEP MY 86-YEAR-OLD MOTHER IN HER HOME!My mom wants to live out her life in the house she's called home for over 12 years, surrounded by those who love her. We have been trying to negotiate with Wells Fargo in good faith and it's time for Wells Fargo to do the same!
Save Grace Alexander's home from Bank of America's bad math!Grace Alexander, a 57-year-old grandmother from Newark, is struggling to save her home from Bank of America's foreclosure process. For more than two years, Grace has battled the big bank...and for more than two years Bank of America has given her the run around. Paperwork, phone calls, meetings…and even protests…have been met with nothing more than the runaround leading to wholly unrealistic offers from Bank of America. The greedy Wall Street bank’s most recent communication with Grace is a clear demonstration that they simply don’t care about Grace or the four generations of her family who have called the Newark house their home for the last 12 years. In a letter dated February 13th, 2013, Bank of America sent Grace Alexander an offensive reply to her request for a mortgage modification to save her home. Instead of working with her, Bank of America offered to INCREASE her monthly mortgage payment in a letter that began “You are on your way to a more affordable mortgage payment.” "I work for a living and I can pay a mortgage," says Grace. "But I cannot afford the inflated mortgage that I've been forced into, and I certainly can’t afford an increase to my monthly payment! Bank of America has the power and authority to save my home with the stroke of a pen. In fact, banks have the power to save the homes of all 100,000 NJ homeowners facing foreclosure this year by simply working with homeowners on principal write-downs." Surely Bank of America can do better for Grace – at the very least they should be better at math.
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.
Hands Off Sheila's Home!My name is Sheila Joyner-Pritchard of 7384 Blue Jay Way, Union City, Ga. Appreciative of my family’s plight being brought to the attention of Occupy Our Homes Atlanta, we are part of a wave of families in danger of homelessness! We believe housing (including that which you earned and worked hard for) is a basic right for all! We (myself-disabled senior/retired single mom, my college daughter, and my college surrogate son) found ourselves in a situation with law enforcement that was not our fault. During the incident, my young man was profiled and removed from my car, my daughter (and international youth visiting our home) were all left abandoned on a street corner in Atlanta and watched while I was assaulted by law enforcement, driven away in a police car, hospitalized as a result of the beating before being jailed for lawfully inquiring about the young man. That situation set in motion a chain of events which threatened our livelihood, left me disabled and our family’s housing vulnerable to an illegal foreclosure and sale by Bayview Loan Servicing. Bayview Loan Serving has less than a reputable history as evident by the numerous legal challenges against them that now flood local and federal courts all over the country. Why isn’t our government watching and taking action against their tactics, all too familiar. They said they were working with us to save our home. I applied to HomeSafe Georgia while Bayview systematically delayed sending critically important documents to HomeSafe Georgia that was asked for. Documents were never received. Bayview also listed our home for sale in what appears to be a questionable title in the name of “Taylor, Bean & Whitaker.” TBW was shut down by the federal government for illegal and unlawful housing loan practices. Bayview also advertised my home without providing all legal identifying information for follow up to save your home as researched by Atlanta Legal Aid-Senior Project. Bayview has been attempting to evict us from our home since that time. Doesn’t my family deserve justice? Doesn’t my family deserve our home? Should we be treated as “deadbeats” for wanting to save our home? I think not! I have worked all my life in the helping field. I have given back many times over not just in earning a paycheck but in giving back through my volunteerism in my church and community, mentoring others, and being a voice for the voiceless. Now my family and I need someone to be a voice to save our home. We thank National Action Network, Atlanta Legal Aid-Seniors Project, Occupy Our Homes Atlanta and others for stepping forward to give voice to my family and others. We should all pay attention as many may find themselves in similar circumstances! Please be aware! We want Bayview to reverse the sale of my home and to modify my loan.
Tell Wells Fargo: We Demand Justice for Jim OakmanJim Oakman and his son live in the house that Jim was born and raised in in Fishkill, NY. It’s been in his family since 1960. Since buying the house in 2002, Jim fell on hard times during the recession caused by the big banks. Like so many other people, Jim was laid off the job he had been working in for 12 years. Since then, Jim has continued to work and make sacrifices to hold on to his home. His new job provides enough income for a federally administered HAMP modification. Jim has spent the last year submitting modification applications half a dozen times. He’s a perfect candidate for this modification program designed to get hardworking homeowners back on their feet. But at every turn Wells Fargo has refused to work with Jim. Wells Fargo would rather have Jim and his son out on the street than in his community. The solution is simple: keep Jim Oakman in his home with the modification that he qualifies for. Join Nobody Leaves Mid-Hudson in demanding that Wells Fargo say “yes” to a modification, and “no” to another vacant home in the Hudson Valley. We demand justice for Jim Oakman.
HELP MY FAMILY STAY IN OUR HOMEI am a single mom of two young boys who has been a teacher and non-profit fund-raiser, but who is now a struggling author home-schooling my kids and doing vegan diet coaching. My ex-husband, a Canadian who was working here as a construction worker, and I were given a "predatory loan" in 2005 for a small single family fixer-upper, our first home, which my children and I still live in. My ex-husband handled getting the loan as our two children were preschool-aged at the time . I didn't realize that the mortgage broker, Long Beach Mortgage Company, was being investigated by the FBI for lending fraud; among other things, they grossly lied about my husband's citizenship, income and savings on the loan application--apparently because they were profiting from every bad loan they made. They also raised the down-payment by $20,000,at the last minute as well as the loan type and the interest rate at the last minute. Now, seven years and a divorce later, my two adorable sons and I are in danger of losing our home. Shortly after the predatory loan, my ex-husband and I got permanently separated, then divorced in 2008. I was able to get one temporary loan modification and to keep up with the mortgage payments, in part through borrowing money from my elderly parents, but when my payments increased to over $1700 per month in 2010 it became burdonsome for my family and I was unable to continue. We had already paid out $150,000 on a home that was now worth, due to the banks irresponsible behavior, only $85,000. I knew that some fraud may have been committed but I did not know whether or not I would be allowed to stay in my home, and my family and I decided the children should live temporarily with my sister in another area while I negotiated with Chase Bank and looked for work (the recession the banks caused made it impossible for me to work in the public school system anymore). This meant that they needed to change schools, where they were living and be separated from me, which was very difficult for us. I negotiated with the bank several times to no avail, giving my relatives reason to believe that I was irresponsible and that they should possibly take custody of my children, but I was able to convince them to let me keep the children with me after about a year and a half, meaning that they had to be taken out of their schools again and move. I was able to convince them to let me keep my kids last year because it had become glaringly apparent from the judicial record that many big banks have been committing crimes against homeowners and that the courts in Florida often decide to allow homeowners to stay in their homes indefinitely. Chase Bank assigned the mortgage to Deutsche Bank this past year. Then, shortly after the children came back, this past spring, Chase Bank tried to foreclose on my house and assigned the servicing rights to Select Portfolio Servicing . At the same time my new business has been struggling, I am looking for work again and I am facing financial distress. I have my first hearing on the foreclosure coming up in December and do not want my children and I to lose our home, because it would cause immeasurable emotional distress for my children--who are already suffering enough--and because it could even mean losing custody of my children to either relatives or foster care and creating even more instability and pain in their young lives. If my loan was based on the current value of my home, $85,000-$130,000, with a reasonable interest rate I could afford to keep it, but I believe that because the title is so clouded and because I have more than paid for the current value of the home, they should grant me title to the home. Please help me and my children to stay in my home with a reasonable mortgage or grant us our home outright, and give us damages for the emotional pain that Chase and Deutsche Bank executives have caused my children and family.
Chase Bank and Freddie Mac: Let Us Buy Our Home!My name is Geneva Parker. I am 76 years old and suffer from acute emphysema, yet Chase Bank and Freddie Mac seem determined to take my home. I bought my house at 737 N Barton, in Stephenville, TX in 2003. Almost immediately after I bought it, my mortgage was transferred to Washington Mutual, which was eventually taken over and destroyed by Chase Bank. My problems first began in 2008 when the same banks that are trying to take my home crashed the economy. I got behind on my mortgage, but with the help of my family managed to scrape up the $5,200 that Chase demanded I pay in order to be current on the loan. I sent them a cashiers check for the full amount but the bank shredded it and told me to find it! My daughter spent every day on the phone for 90 days and ended up being told to drive an hour away to a payment center with cash until the check was refunded or found. Then, collections would NOT take the cash and said come back! So I sent it to my Arizona payment center and they took it. I always paid late charges, but Chase tacked on several hundred dollars for late fees after this, would remove them, then replace them. Once, they claimed I was 4 months behind and it was clear I wasn't! Then in 2011 tragedy struck our family. My son had been in a very bad accident, and my daughter lost her job due to the recession, causing us to fall behind on the mortgage again. My daughter contacted the bank to try and get a loan modification, but after sending in documents and what we could and repeated calls, they kept the payment for a month and sent it back, saying I was in foreclosure. In reading about how so many documents were lost and so few loans approved, we didn't send more in. A notice was posted on my door on Valentine’s Day 2012, notifying me that my home had been sold at auction a week earlier, and Freddie Mac was the new owner. We got the money to reinstate, after another nightmare dealing with being unable to reach Freddie Mac. Five months later, they wanted an extra $2500 more than quoted in attorney fees, so we filed a lawsuit. For a year and half, I’ve been fighting Chase Bank and Freddie Mac in court with no luck and had spent $20,000 in legal fees as of last October and turned down $7500 cash for keys. We came up with the $64,000 in cash that Chase wanted to buy our house back from Freddie Mac. Our balance was only $46,000 at foreclosure time, but the (well known) foreclosure mill attorney's fees, corporate fees, etc., drove the balance up. Their attorney asked for proof of funds and when we asked how they wanted us to prove them, their attorney refused to respond, would not change a court hearing, and cost us another $5,000 in attorney fees. We lost in court. That's when we found that most judges are financed by big banks. We've reach the end of the line in court, and Thursday March 6th was our last day to file an appeal. We won't spend another dime on attorneys, as there are few foreclosure defense attorneys and they are costly. This whole process has been a nightmare for my family, and I'm in the hospital from the stress as I write this, but we’re not giving up now. We bailed the banks out for committing fraud and crashing the economy. It's well documented in movies and in fines levied, yet they refuse to give us a break and Congress won't do anything! We just want to pay Freddie Mac to buy our house, and never hear their name or Chase Bank again. We haven't had a calm day since this started. It's horrible waking up to anxiety attacks every day and we want normalcy again. I love my home and community and don't want to leave.
Keep Senior Citizens in Our HomesWhen I drove into Berkeley Woods Condominium Community in the fall of 1996, I knew immediately it felt like “home”. I had just been thru an ugly divorce & I was ready to make a new start. This felt like the perfect place for me. It was the first place I bought & owned with my own credit & I was very proud of myself. A year after moving in, I was on the Board of Directors for the homeowners association & I served for 8 years, thoroughly enjoying being a part of the day-to-day operation of my community. I was instrumental in initiating neighborhood yard sales & working to preserve the beautiful trees on our property. I have worked closely with the addiction community in metro Atlanta & many women’s groups. My home has often served as a gathering place for these friends & has seen much laughter, tears & fond memories. It has been a safe haven for many & my privilege to share. In 2004, I was laid off my corporate marketing job & decided to try working as an entrepreneur while looking once again for full-time employment. I worked numerous temp jobs & offered my business skills in various private sectors. It wasn’t enough; I was often dipping into savings, 401K, credit cards … until those were entirely depleted. In 2009, I filed bankruptcy. Since then, I have made efforts to work out loan modifications with the mortgage holder, Bank of America, but was told that it was not possible because my income was “sketchy” & unreliable. I am a senior citizen now living on Social Security benefits, occasional temp jobs & various entrepreneurial efforts. My home is in foreclosure & I don’t want to lose it. Nationstar Mortgage LLC now holds the deed to my home & I would very much like to work out a modification that allows me to live in reasonable comfort & security. Thank you.