- 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
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!!!!!!!!!!
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.
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.
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
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!
Citi Mortgage: Stop abusing my family paid for home twice in 13 year. Will not be quiet- EnoughThis is important because this is our home. We are not packing up at night leaving like irresponsible people or asking for anything unreasonable. Banks got bailed out why is my family still fight predatory lending abuse and paying for a house twice and will never own according to Citi's accounting.
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.
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.
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.
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
Citimortgage: Don't Foreclose on the MonsonsWe've lived here for 22 years, never missed a mortgage payment until I lost my job in the crash of 2008. Had a stroke end of 2009, then a major heart attack w/ 4-way bypass in Feb.of 2011. I am on disability, and my wife lost her job 18 months ago. We live solely on my monthly disability check. My neighborhood has been hit hard by the economic crash, and we have had four other foreclosures in our block over the last 3 years.
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.