- American Home Mortgage Servicing
- Aurora Loan Services
- Bank of America
- Deutsche Bank
- Fannie Mae
- Federal Reserve
- Freddie Mac
- JP Morgan Chase
- Litton Loan Servicing
- MetLife Home Loans
- Nationstar Mortgage
- Ocwen Loan Servicing
- Other/Not Listed
- People with Disabilities
- PHH Mortgage
- PNC Bank/National City Mortgage
- Saxon Mortgage
- Senior Citizens
- Stage: Eviction Defense
- Stage: Foreclosure
- Stage: In Default
- Stage: Post Eviction
- Stage: Underwater
- US Bank
- Washington Mutual
- Wells Fargo
Atlanta's Renter's State Of Emergency #RenterCrisisATLAtlanta is in a renter’s state of emergency. How many of us have engaged in or overheard conversations with folks in our city about the rising rents and rapidly changing face of our city? Development doesn’t have to be a bad word but what we are seeing in Atlanta right now is the kind of development and wealth extraction that will leave Atlanta totally unaffordable for low and moderate income people. In just a few short years the Old Fourth Ward, home of Dr. King, went from affordable to one of the most expensive places to find new housing in the city, we simply can’t afford this kind of status quo development that leaves renters and low income people behind. Some of the report’s findings include: *Since 2012 Atlanta has lost 5% of its affordable housing every year *95% of Apartments built since 2012 have been considered luxury * 72% of Atlanta neighborhoods are considered gentrified or gentrifying * More than 53% of all renters in the city pay more than 30% of their income on housing, yet many landlords require proof that tenant income exceeds 3x rent We need a movement to build a city that works for everyone, and the release of this report will be the launch of a campaign to push the City and County to begin reigning in unchecked development. The campaign will also focus on renter’s rights, as Atlanta is several decades behind other cities of its size. We hope we count on your solidarity! Real full report here: https://d3n8a8pro7vhmx.cloudfront.net/oohatl/pages/53/attachments/original/1468328705/RSOE.pdf?1468328705 Sumary page: https://d3n8a8pro7vhmx.cloudfront.net/oohatl/pages/53/attachments/original/1468329040/CDPR.pdf?1468329040
HUD: Donate foreclosed, vacant property to neighborhood organizationMy name is Willie Fleming. For the past several years, I have lived at 1401 E. 75th Street Chicago, IL 60619. I am now writing to you because the U.S. Department of Housing and Urban Development (“HUD”) recently attempted to evict me from my apartment. I and the other tenants that live in this building are seeking to contact HUD to ensure that we can continue to live in this building. In 2007, I began renting this building from one of the former owners, Patricia Hill, with plans to work out of it for at least the next ten years. As soon as I moved in, I did my best to make this place not only a comfortable place for me to live, but also a resource for others in the Greater Grand Crossing neighborhood. As this is a mixed-use building, with both residential and storefront business space, I took it upon myself to reach out to local residents to see that it be used for programs and activities that benefited children, single parents, and others in need. By the time that I learned that the building had been foreclosed on in 2008, I had signed subleases with several tenants and local organizations. For a period of time, a food give away drive, a young women’s empowerment program, a youth poetry program, and an adult literacy initiative were all being run out of this building to provide services at no charge for those in the community. All of these efforts ground to a halt in March 2010, when Citibank and HUD began their eviction at the building. Even though we had received no notification about the foreclosure, nor were we given an opportunity to present our lease to the new property owner, we faced repeated eviction attempts that disrupted the constructive work we were doing with local residents. In addition to reaching out to the former owner, Ms. Hill, we also attempted to contact her commercial lender, Citibank, but we were unable to make any headway. In January 2014, my subtenants and I were forced to evacuate the property after the new property owner or its contractors had the heat cut off in the middle of winter. Over the next several weeks, we attempted to return to the property but faced the mounting task of repairing the significant damage that had been done to the pipes, walls, and floors after the building was allowed to freeze. By late February, we had been able to secure the property and begin making repairs. This process of making repairs to the property continued until June 2014, when we found that a contractor from Safeguard Properties LLC had, without any notification to use as the tenants, begun removing our items from the property. After notifying the contractor of our tenancy and contacting the police, they were forced to stop, but Safeguard ultimately refused to honor our claim for the items that had been taken from the property. Since August 2014, my subtenants and I have worked to make extensive repairs to the interior and exterior of this building, spending over $20,000 to address the damage done after the heat was cut, the pipes burst. Not only did we prevent it from being left as a vacant property, we also hired local tradesmen to make the repairs and convinced them to hire local youth to learn from them on the job. Ultimately, we hoped that the repairs that were made to this property might serve as an example for other organizations in how to address the growing problem of vacant properties and youth homelessness on the South Side of Chicago. On April 1st, 2016 the Cook County Sheriff executed an old eviction order. However, tenants still remained in the property because they did not have alternative safe, decent and habitable housing. These tenants have documented work on the repairs of this property as well as an extensive documented record of volunteerism with multiple organizations as they battle unemployment and the lack of labor force participation. In spite of these facts, they face continued threats of arrest for trespassing and theft of their property by the property preservation company.
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!!!!!!!!!!
Bush Company: Stop the Displacement of 302 Families!The owners of Museum Square apartments have tried everything to get 302 low-income families, mostly Chinese and African American, to move out and make way for luxury housing. The Bush Company, notorious for the destruction of low income apartments in downtown Washington DC, plans to demolish Museum Square and replace it with 825 high-rise luxury condos for the 1%--exactly what DC does not need, in face of an unprecedented housing crisis. “We are rallying to save our homes,” says resident leader Jenny Tang. “The owner has made plenty of money from us, and can continue to make it without putting us on the streets. We hope the owner will change his mind and preserve our homes for the younger generation, a place to stay for our children, that’s what we want!” First, the owners tried to get around tenants’ opportunity to purchase the 302-unit, building by offering it to residents at a price of $250 million dollars, or $800,000 per unit! When tenants banded together to sue the landlord over this unrealistic price, they were given 180-day notices and told to leave. When a judge ruled in favor of the tenants, agreeing that $250 million is far beyond a reasonable price, the owners gave notice that they plan to end the section-8 contract, which keeps the units affordable for low income tenants. Throughout all of this, tenants have organized and taken every step possible to preserve their homes at Museum Square. Museum Square is home to over half the remaining Chinese population in Chinatown, and many other long-term residents. Chinatown has numerous linguistically accessible services and organizations—churches, clinics, community centers and more—for the Chinese speaking population at Museum Square. Many residents are elderly and would face enormous hardship if they had to move. PLEASE SUPPORT TENANTS FIGHTING TO SAVE ALL 302 AFFORDABLE UNITS IN THEIR BUILDING! SIGN THE PETITION; DEMAND THAT BUSH COMPANIES RENEW!
HELP: 73 Year Old Veteran with Stage 4 Cancer Being Foreclosed and EvictedThe last lyrics to our beloved National Anthem, are, “the land of the free and the home of the brave.” It is often said that we are free because of the brave men and women that risk their lives serving in the United States military. My Dad is one of those brave men. During the tumultuous Vietnam era of the 1960s, my Dad admirably served his country and volunteered for the United States army. When his country needed him most, my Dad didn’t run. He stayed and risked his life for a free America. Sadly, now that he needs it most, America isn’t helping my Dad. My Dad is now 73 years old, battling Stage 4 colon cancer, and facing the real possibility of being homeless. Before his diagnosis, he had a mortgage. Banks over-inflated the value of his home, to inflate the market and line their pockets with money that wasn’t really there. Eventually the bubble burst along with the economy and the value of homes plummeted. Like many other Americans, the home he purchased was no longer worth anywhere near the amount of the mortgage. It was during this time that my Dad was diagnosed with cancer, which is a very expensive illness to treat. He could no longer afford to make payments on his home. He went to the bank for assistance, for a loan modification, for something to keep him from being homeless. My Dad wasn’t asking for a free ride. He was only reaching out for some help until he could get his feet back on the ground. Despite his desperate pleas, StateBridge and their investors known collectively as Encore Trust would not help my Dad, instead choosing to rip his house from under him. On June 8th, StateBridge bank and Encore Trust (with the help of the Kendall County Sherrif’s Department) will physically remove my Dad from his home, leaving him homeless. My Dad will not vacate the premises because a soldier doesn’t cut and run. America is free because of brave men like my father. When his country needed him, he didn’t run, he served. Now he needs America. We can not let him down.
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!
American Residential Properties & WRI Property Management: Keep Michele In Her Home!My Name is Michele Swan, I am the mother of three beautiful children living in Ellenwood GA since June 2006. Despite purchasing the home in December 30, 2003, due to a health condition I required around the clock medical care and was staying with family. By 2006 I was in our dream home, and had the pleasure of raising my children there. After going through a difficult period in my life, I was divorced from my ex-husband February 28, 2012 and subsequently was awarded my home as part of my divorce decision. For the first two and a half years my ex-husband did everything he could to refuse me access to the Chase Mortgage account, in fact he denied my access to even speak with agents. It went on for so long that in May 2013 I had to go to court and explain to the judge that he refuse to give me access to the account number and the payment history. My ex was again ordered to give me access to our mortgage account as a result of the hearing, but again refused. I called time and time again to explain my situation to Chase, but they continued to ignore me despite all of my legal documentation. In June 2014 my ex-husband stopped paying the mortgage in a bid to have me evicted from the home. Despite all of my documentation, including court filings showing he was in contempt of a court order, Chase continued to ignore me and was more than happy to block me from the home’s mortgage account. Ultimately they ended up foreclosing, despite my trying to pay every month and turn the house over to my name. In November I was told my home was going to be sold on the courthouse step in Henry County. By this point I had contacted Chase over and over, I even faxed over a mortgage application, a pre approved mortgage, and my credit score to Chase attorneys in an attempt to show what they refused to do time and time again leading up to the foreclosure. In the end they didn’t care the house was rightfully mine, they didn’t care my children were displaced, all they cared about was selling the house off to the highest bidder, refusing time and time again to allow me to purchase the home. Despite my efforts they went ahead with the foreclosure, the house was bought by American Residential Properties (a real estate investment group) who then in turn had WRI Property Management evict me. I even tried to stop the eviction, and am still battling the wrongful eviction in court, but still they continue to ignore me and caste me to the side in favor of a profit margin. American Residential Properties should sell my home back to me for what they paid for it. All I want is for this nightmare to be over so my family and I can live in our home in peace.
Illinois Legislatures Pass Homeowners Bill of Rights!Center for Responsible Lending and Consumers Union: State Action Still Needed to Prevent Unnecessary Foreclosures. States have yet to recover from the foreclosure crisis that has stripped trillions of dollars from homeowners and devastated local communities across the nation. Industry analysts estimate that 6 million borrowers remain at risk of foreclosure.1 States are in a strong position to prevent unnecessary foreclosures, stabilize local housing markets and protect homeowners from mortgage servicing abuses. Through practical enhancements to the standards set by the Consumer Financial Protection Bureau (CFPB) and California’s Homeowner Bill of Rights, states can help borrowers get full and fair consideration for loan modifications before losing their homes to foreclosure. State Action Remains Necessary Following the CFPB Servicing Rules On January 17, 2012, the CFPB issued final servicing rules that address loss mitigation and dual tracking, the practice by servicers of simultaneously pursuing foreclosure while working with a homeowner on a loan modification or other foreclosure alternative.2 Although the CFPB rules will apply to servicers whether or not states adopt them, 3 only by adopting the rules themselves can states give borrowers the ability to prevent foreclosure sales when servicers violate the rules. Hence, we provide recommendations on how to implement aspects of CFPB’s national reforms. And although the CFPB rules are strong in many respects, there are key areas where the states can provide stronger protections for homeowners. Recommended Dual Track Rules Pre-Foreclosure Referral: The CFPB rule provides that a mortgage servicer may not start the foreclosure process until a borrower is more than 120 days delinquent. Additionally, under the rule, if a borrower submits a complete loss mitigation application before the servicer starts the foreclosure process, then the servicer may not begin the process while the application is pending. States should adopt this strong standard. Post-Foreclosure Referral: Under the CFPB rule, if a servicer has already started the foreclosure process, it is prevented from moving for a judgment or order of sale or conducting a sale only if the borrower submits a complete loss mitigation application more than 37 days before the foreclosure sale date. California law has no deadline. CRL had recommended that the CFPB adopt a shorter deadline of 15 days. States should consider giving borrowers more time to apply with timelines that are consistent and workable with their state’s foreclosure timetables. Limited Right to Appeal: The CFPB rule gives borrowers a right to appeal a denial only if a complete application is received by the servicer 90 days before a possible foreclosure sale date. California law allows a borrower to appeal a denial regardless of when the application was received. Given the evidence of widespread servicer errors related to denials, states should consider providing borrowers with broader appeal rights for borrowers who meet the state’s application deadlines. Procedural Rules regarding Borrower Outreach and Denial Letters: The CFPB also requires outreach to borrowers about loss mitigation programs and denial notices. States should adopt the CFPB outreach procedures, but should consider adopting California’s more detailed denial notice, which provides greater transparency and information to borrowers. States Should Also Give Borrowers the Ability to Prevent Unlawful Foreclosures Dual track restrictions are intended to prevent unnecessary foreclosures. This goal cannot be effectuated fully by the CFPB rule alone, however, given that the law under which the rule was implemented, RESPA, does not allow borrowers to actually prevent a foreclosure sale when servicers violate the rule’s requirements.4 States, therefore, should adopt dual track rules (as outlined above), and then also provide borrowers with a right to seek an injunction (in non-judicial foreclosures) or raise a defense to foreclosure (in judicial foreclosures), for a violation of these rules. This will allow borrowers to put a pause on the process while the servicer considers the borrower for foreclosure prevention alternatives as required by the rules. This protection ensures that borrowers receive the full benefit of the dual track restrictions to prevent unnecessary foreclosures. http://www.responsiblelending.org/mortgage-lending/policy-legislation/states/2013-crl-and-consumers-union-joint-state-foreclosure-recommendations-final-february.pdf
STOP EVICTION OF MILITARY VETERANS! KEEP THE YOUNG’S IN THEIR HOME!Hello, my name is Maurice /Sabrina young we moved to Georgia from California in 2003 for a better life and to purchase an affordable home. In March 2008 on my birthday, we purchased our first HOME at 1390 Shadow Creek! We are presently raising our five children in the home, the newest addition to the family are 3 and 4. To them this is the only place they call HOME! My husband is a military veteran and now works as a trucker for a living. I work as a pre-k teacher for Georgia lottery. My husband became unemployed in 2010 with the income decreased we applied for a modification on the home with bank of America. We filled for a home modification several times in 2011, 2012, 2013, 2014 each time we received notices (we were denied, or addition paper work was needed). We called Bank of America several times to get this issued resoled every time we would get different representatives telling us the modification us going through. We also went through the nice home save program in 2011 as an advocate for us. Bank of America then offered us a mortgage of $1,500, which was higher than our monthly mortgage of $1,100. In 2014, the home went into foreclosure. The last noticed we received on June 1, 2014 form bank of America was the home was still in review. On June 3, 2014, someone came from the Najarian Capital Llc to the door. The letter stated the Najarian Capital Llc brought the home and wanted possession of the property within without giving us a day in court. Please sign my petition asking Najarian Capital Llc to stop their attempts to evict us and to work out a deal that allows us to stay in my home.
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.
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