- 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
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!
Call U.S. Bank To Save The Irby Family's HomeWe have five children and one of them has Autism. We have lived in our home for 12 years and fell behind due to lost work caring for our son. We never know day to day what challenges this will bring for us. In addition, we have been through a great deal of hardship in just the past year. Our car was breaking down regularly, causing even more work to be missed. Our oldest son Kenny, who is no longer living here, has been incarcerated. This has caused a lot of grief for our family, and Chris, our 17 year old with Autism, has taken it super hard. Our lives have been disrupted so much this year in very, very painful ways. Being forced to move at this time is will be so overwhelming that I don't know what toll it will take on the health and well being of all of us. We have applied for assistance multiple times through the MHA program and were denied each time. We have filed bankruptcy and could not keep up with the steep payment. We were scammed by a mortgage rescue company for nearly $2000. We have exhausted all of our resources and have nowhere to go at this point. And my beloved dog of 11 years died in September. I have been suffering from nearly debilitating depression from all that has happened to us. We keep going, but every day is a struggle. We are exhausted, work hard, and don't deserve to be treated how we have been by the bank.
US Bank: Stop Trying to Evict Barbara Conway and Her FamilyMrs. Conway’s story starts with the purchase of her home in 2005. Barbara took out the mortgage with HOME EQ through Neighborhood Lending Service (NLS). NLS was the mortgagor, as they released the property. Barbara was so happy to have a home and was looking forward to her time there. She expected affordable monthly payments which she would be able to maintain. However as time went on, mortgage payments increased and became unaffordable; Barbara discovered she had an adjusted rate mortgage. Monthly mortgage payments began to sky rocket to $2,500. These egregious payments continued for a couple of months until she was unable to pay. To make matters worse Mrs. Conway’s work was inconsistent; these payments would have been unsustainable even if Barbara had consistent work. It came down to her paying the mortgage or eating. And thus, Barbara attempted a refinance with Equifirst on 12/05/07. Unfortunately, income continued to fluctuate and a foreclosure summons was sent in 2008 from Sutton Funding LLC. Barbara was never served but started a loan modification application. Through this, she received a default forbearance beginning on 10/30/08. The payments were supposed to be $4,097.45 per month from 10/30/08-04/30/09. Barbara made one forbearance payment but could not maintain this. If Barbara couldn’t pay $2,500 monthly, then how could she manage monthly payments of $4,097? As Barbara continued to struggle, she received a letter from Home EQ stating, “In response to the housing market,” Home EQ will modify the loan with a lower fixed rate: 6.5% new monthly and interest (for the remaining term of loan). $1939.68 was the payment, effective 9/1/08. However, Barbara missed a payment due to seasonal employment. The Recorder of Deeds indicated another foreclosure summons was filed February 17th, 2009. Barbara again did not receive any notification. On 02/19/09, Home EQ sent a letter in regards to reviewing a request for a loan modification. However, they required a down payment for the application: $3,900 was due by 03/13/2009. While sending this letter to offer a 'solution,' they continued with the foreclosure; she was dual tracked. As a last ditch effort, Mrs. Conway filed for bankruptcy with the Debt Stoppers; the cost was $3,500. Mrs. Conway then filed Chapter 13th which lasted until 2-8-2011. Chapter 13 stopped the foreclosure thankfully! However to her dismay, Barbara was fired from her job almost immediately, after filing for Chapter 13. And thus, she was only able to make several payments. Principal reduction was Barbara’s next attempt. Sadly, the loan modification was denied. When this was denied Barbara had no other choice but to file for Chapter 7 bankruptcy at another $3500. Chapter 7 only could delay the foreclosure for so long though. And on January 15 2013, New York Bank of Mellon Trust filed for foreclosure. This was the first time Mrs. Conway received court papers, in the mail. She attended court on March 18th 2013 stating her case, and then some; Barbara had stated that BNY Mellon had inaccurate claims on missed payments. This was disregarded. After multiple court dates and a renewed loan modification application with Northwest Side Housing Center, BNY Mellon continued for the Order of Possession.
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
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.
US Bank: Give Candejah Back Her Home!I bought my house and moved to Springfield, MA in 2005 with a mortgage from First NLC Financial Services. I didn't know it at the time, but I was given a loan that had an adjustable interest rate starting at 8.99% and that could rise as high as 15.99%. I didn't know it at the time, but I was one of millions who were victims of banks predatory lending practices that preyed on families like mine. When I bought my house I paid $129,000. Now its not even worth $30,000. At the time I was working as a dispatch officer and an EMT for the New York City Fire Department, where I worked for 14 years. Life circumstances forced me and my children into a basement apartment in the Bronx, NY owned by a slumlord, where the roof above us was collapsing and rodents roamed the floors. I could literally see my neighbors apartment above me. A friend told me I should look into buying a house in Springfield, so I did. Moving to Springfield wasn't just a choice for me. I moved because I had to. I had to get out of the city and I had to find a safe and secure place for me and my children to live. In 2010 I lost my job and ultimately fell behind on my mortgage. US Bank foreclosed on my house on October 22, 2010. The night before the auction I cried like a baby. But I awoke the next morning and vowed to stay in my home and fight back. For the last three years I have been fighting for my home and leading the fight across the country to win justice for homeowners like me. In August 2013 I won my case in housing court and a judge ruled that US Bank illegally tried to evict me and threw out their case. Now US Bank is moving to evict me again. I have income again, and my daugthers do too. My 2 year-old granddaughter now lives with us as well. I am willing to pay for my house at what its actually worth now. I've paid for this house many times over. I want to be able to stay in my home and fix it up. I've fought for three years, and I'm committed to continuing my fight until US Bank negotiates and gives me my house back.
Don't take the Cable/Tackett family home!U.S. Bank made a mistake when paying out land taxes on our home that caused an escrow shortage raising our payment from 556.00 a month to 2107.99 per month!! They not only paid our land taxes but a solid waste bill in the amount of 7600.00 that was not correct! The county sent U.S Bank a check in the amount of 5699.00 because of the mistake!!Our home has been listed in our local paper 3 times to be sold,by the grace of GOD it has been pulled and not sold yet! My husband and I deal have been dealing with US Bank for over a year now and not one person has tried to help fix this mess but each time it runs in the newspaper for sale it cost us an additional 1500.00 x 3=$4500.00 additional!! I WOULD ADVISE ANYONE LOOKING TO DO A HOME LOAN WITH US BANK TO RUN FROM THEM! So very upset that they have done us this way and we are just normal people trying to live and they can do ANYTHING they want!! I so hope Mr. Richard Davis somehow see's this.The attorney that I have had to deal with Septimous Taylor has been nothing short of the BUTT!!
Help us keep our home!Our home is being taken from us and we don't even understand why. We have held good to everything we said and paid the rent on time. We had no idea that the secretary was going to run off with the money! All the little children the neighborhood loves coming to our home to play with our four children. We help the neighbors cut their yard and try to keep the area safe. We got the house as a fixer upper and we have been making steady improvements. We all need this house especially the kids!
Bank of America and US Bank: Donate this home to a community that caresOur communities have seen enough destruction at the hands of the banks. We’re not going to take it anymore. When my grandmother was forced to move out of her foreclosed home, her house became the fourth empty house on our block. There is a fifth house that could be evicted at any moment. These vacant homes cause a blight on our neighborhood by attracting criminal activity and lowering property values. We have seen these homes sit vacant for months and years until the banks decide to sell them at a profit, meanwhile wreaking havoc on our communities. At the same time homelessness in Hennepin County is at a six-year high. All the shelters across the city are at capacity every night. There are many more homes sitting vacant than people experiencing homelessness in the county. With the help of Occupy Homes, I have moved back into my grandmother’s house with several other people experiencing housing instability. We have cleaned the house up and created a neighborhood watch to take care of other families experiencing eviction on our block. We now live in three of the foreclosed homes on our block. The neighbors are happy to see us investing in our community and keeping it safe instead of allowing the banks to trash the neighborhood. We believe that Bank of America and US Bank have already done too much damage to our communities. We don’t need another house sitting vacant on 14th Avenue S. We demand that Bank of America and US Bank donate the home to the nonprofit Neighborhoods Organizing for Change to be used for long-term low-income housing. It’s time for Bank of America and US Bank to stop taking from our communities and start giving back. Michael McDowell
JUDGE MARTINEZ, PLEASE RULE ON THE CONSTITUTIONALITY OF COLORADO'S STATE FORECLOSURE LAWSBy signing this petition you can help all facing unjust or fraudulent foreclosures in Colorado and the rest of our nation! Judge Martinez and many other Judges are starting to recognize the people are being victimized by unjust & unconstitutional foreclosure laws. To avoid setting legal precedent, before our Judges can make a ruling, the banks are withdrawing cases or settling with the plaintiff if it looks like they will lose. Our judges have the right to continue cases if they can show that other individual members of the public are interested in the decision because it bears upon their individual rights. Please sign this petition so that when it is sent to our judges they can prove that legal argument and justify continuing these cases brought against the banks. THIS IS OUR CHANCE TO STAND UP TO THE BANKS AND STOP UNJUST FORECLOSURES! PLEASE SIGN AND SHARE WITH FRIENDS. For more info on Lisa Brumfiel's case please visit libertylisa.com
KEEP MICHELLE PARDO IN HER HOMEAdmit the obvious FRAUD within my Loan Modification, delay my possibilities of losing my home. I have Multiple Sclerosis and fighting for my life with cancer as well as having a bome marrow transplant that begain your false ways of modifying a loan. My deed and title of my home was originally issued in 2002. In 2011, I received the life saving bone marrow transplant and asked for a special foreberance. Wells Fargo granted me the foreberance BUT FAIILED to apply 2 out of the 3 months of payments to my loan but did however apply to a different mortgage obviously NOT MINE. . The payments I paid on or before the specified due date for the 3 month foreberance, to call and ask where my paperwork was for me to sign for my new payment amount and adjustments, YES I was told I did not make my 2nd payment and my home was foreclosed. Well after 34 phone calls to customer service representatives failed to see this simple error. The payments were made through WESTERN UNION, quick collect. I finally must of hit a glitch and got an agent trying to collect a debt and anything obtained in the phone call would be used to collect the debt. This Wells Fargo representive seen the error in which 33 other trained debt collectors could not find. The representive at the end of the line urgently put me on hold. Eventually the error was found and the home loan needed to get recinded, meaning an invalided foreclosure sale of my home occurred. It took over 9 moths of time for the WF error to be fixed with my local county trustee. So after getting my home back I got my new paperwork with a stamp date of 2010 loan amount correct I signed and returned my paperwork to receive my mortgage statement with an additional 42,000.00 tacked on to the end of my mortgage. WHAT NOW! After months of trying to get justification of the additional funds, I was told that to get this modified I would need to fall behind on my mortgage by a minimum of 3 months. After 2 months the modification process started. One representative said send the documents, I followed along with this loan preservation FHA representative for 10 months. The delays I was concerned saving all my payments to only hear nothing? I received another document on needing all my paperwork again, this had a different home preservation specialist. I called the modification was now being told I had to rewrite, resend, adjust, to hear I was declined I made to much money and should however paid the payments. I was furious. During the modification June 2012 an water intake pipe broke in my home on the upper floor causing damage to my main level, my basement and so awful my kitchen was not functional. I made a claim with my insurance and they followed any and all procedures, this included sending me repair checks to get my approximately 56,000.00 dollars in the end. The insurance by law writes the check to myself and my mortgage servicer. I followed the procedures and went to get a signature from Wells Fargo on one of the several checks that were to be issued. Wells Fargo refused to sign the repair checks, the big bank stated I was in foreclosure? I was In a modification process? How was this possible? After awaiting for over 4 months for the process to get started, although water extraction had been completed my home started to grow mold. I tried to get Wells Fargo to sign the checks, the big bank wanted me to send the check to them with my signature. I sent them a check without my signature due to the fact they said I was in foreclosure, I never heard from them again. After finding out this mold was 10 times over the normal mold limit and now my home was in need of immediate construction the mold was now black mold. There was no choice as what needed done, the money put back for the house payments during the modification which Wells Fargo delayed for so long. The community started helping with the repairs, then later found additional damage, this was the furnace. Replacement cost was over 5,000 dollars. I was sitting at home on Christmas Day the temperature was 44 degrees this was using the dryer to try and keep the additional pipes from bursting and causing even more damage. The furnace was made functional by a local plumbing and heating company. Upon further research Wells Fargo pulled this on several other families, those other families gave up. I refuse! Wells Fargo in 2008 took my mortgage out of the MERS system, and according to a MERS representative my home was not put back in any mortgage registry. In 2010 Feb my deed of trust was signed by a John Kennedy assistant secretary of MERS? This John Kennedy is also the VP of loan documentation as well attorney in fact. My deed has a well known signature that is fraudulent. I was alo sent a check for the foreclosure for 300.00 from our Federal Government per the lawsuits for foreclosure. THIS CHECK BOUNCED FROM THE FEDERAL BANK. REALLY
To all Bankers reduce home principals now!It is important that we keep fighting the banks and not give up. If we give up, they win and will continue their evil practices of writing the laws, packaging our homes and selling them on wall street, raise prices on us, make us live off of less money, and continue to pay off and manipulate our politicians who are corrupt as well. We must educate ourselves and the public and continue to fight, otherwise, they will manipulate the market so they can get richer. Iceland arrested the bankers, kicked them out and now their economy is thriving again.
US Bank and Freddie Mac: Give Ann Haines a Fair Deal!My name is Ann Haines and I live at 1311 Seminary Avenue St. Paul Minnesota. I have lived there for 13 years. We have had holidays, birthdays, baptisms, grieved the loss of loved ones, and a wedding celebration in our home. I have nursed broken bones, chicken pox, wisdom teeth removals, and asthma attacks in this home. I have opened our home to children who didn’t have anywhere to else to go, whether for 3 days or 3 months. We’ve laughed, cried, fought, hurt and celebrated together in our home. We’ve weathered the Mother’s day storm of 2006, leaving destruction in our yard. We survived our living room ceiling crashed on us in the winter of 2010. I have reunited with both of my biological parents in the home. And I have been told this not my home. This is not a simple case of eviction for non-payment. This is about the bank selling my house right from under me. This is about me asking the lender for help with reducing my payment, or interest rate, or something to help maintain my home. Instead, US Bank stopped the process of my modification because they sent me the wrong application and went ahead with a foreclosure, which has now been identified as “dual tracking.” Freddie Mac is trying to evict me from my house but I am not leaving. Southern Minnesota Regional Legal Services is helping me fight back in court, and I am working with Occupy Homes MN to help open the eyes of people who aren’t aware of the magnitude of damage this causes homeowners and their children. In January, I testified at a hearing at the MN State Capitol to ensure this doesn’t happen to other homeowners. More recently, I confronted Richard Davis, CEO of US Bank, at their annual shareholder’s meeting. We made that house our home, and I know where there is a homeowner there is stability, and where there is stability there is a city that offers pride, safety, and the desire to be part of a community. Why take that away from people who are making our city a better place to live for all people?
Keep the Roziers' in the Home They Built1. My husband built our entire home from foundation to finish with no outside labor. Our home is over 4,200 square feet, and has been since 2000. When US Bank went for Relief from Stay, they filed a false Broker's Price Opinion claiming our home was only 2,096 square feet and underwater. The Judge -- the former head of Bank of America's Bankruptcy Department -- ruled in their favor despite appraisals and the tax records, which reflects the true size. My appeal has been approved for Oral Arguments with the 9th Circuit BAP.1. Judge Derek Hunt (Orange County Superior Court) threatened to put Severson and Werson lawyers thrown in jail, and Judge Bauer denied their request for a bond, so they hired a larger law firm (Locke Lord) to have the cases removed to a new judge. 2. They placed me in default when I was still paying my mortgage, which is why they had to cancel the initial default. Unfortunately, I lost my security clearance. I used to be a missile engineer for the Navy. I was offered the position of "Chief Engineer, Air-to-Ground Missiles." That would have made me one of the highest ranking female rocket scientists in the country. I worked my butt off to earn that position, and they cost me my entire career with their mistake. Now I am considered a "deadbeat", "unstable", and a "threat" even though I have not change at all. All that has changed is my employment status and wealth. 3. We also have a disabled son. He was born 15-weeks early with massive brain damage, lung and heart damage. He has survived lung/heart surgery, three brain shunt surgeries, two hernia surgeries, and five eye surgeries. Despite being legally blind, in Jan 2012 he saved a stranger's life and was recognized locally for his action. This is the only home he has ever known. His father built it for him -- he quit his job when our son was born to heal him, and built our home in the process. He has not been compensated for his work, and they are trying to steal all the equity he built with his two hands. We would have loved to pay our mortgage, but they stole that ability from us when they wrongfully placed me in default and cost me my career.
Bank of America: Rescind the foreclosure and keep Mildred in her home!Mildred Garrison-Obi, or Obi as many of her friends call her, was evicted from her home by force last November. After the eviction, Mildred was left with nowhere to go, sleeping on friends couches, or renting a room at the local extended stay hotel. She began attending weekly meetings held by Occupy Our Homes Atlanta, and after helping to move a young homeless family into a bank owned home in December, Mildred was inspired to keep fighting and take her own home back from the bank. She bought the house in 1998 for just over $70,000 with a mortgage from Countrywide. In 2008, after the financial crisis caused the economy to collapse, Mildred lost her job and fell behind on her payments. As a senior in her 60s, she became disabled, and found it increasingly difficult to find employment. When the bills started to pile up, she contacted Bank of America, who had acquired Countrywide earlier that year and now serviced her loan. In August of 2009, despite her best efforts to work out a modification with them, Bank of America sold her home on the Dekalb County courthouse steps. It was only after the foreclosure that Mildred realized her loan was part of a securitized trust overseen by US Bank. As was the case in most foreclosures filed in 2009, the documents used to take her home were fraudulent and robo-signed. For years she fought to have the foreclosure rescinded, going back and forth between Bank of America and US Bank, who both refused to claim responsibility. Mildred, along with her neighbors and community members has moved back into her home. After opening the door to her house that had been sitting vacant for months, she triumphantly shouted, "I'm not homeless anymore." Please sign her petition and demand that Bank of America make that a permanent reality, and give Mildred's home back to her for good.
Friday March 15th Eviction of The Broken Angel! Artistic Landmark in BKI saw my friend Arthur today. He is 84. He built the Broken Angel in Bedstuy and after 6 years of fighting the courts he has been evicted from his home. This Friday the sheriff comes to close the deal and I want to throw a big block party to commemorate his monumnetal presence in the neighborhood. http://lovewerk.tumblr.com/ http://en.wikipedia.org/wiki/Broken_Angel_House In 2006 Arthur , his son Chris, and his wife Cynthia came back from lunch to part of their home being on fire. The back tower. The fire dept. couldn't fight the fire from the inside the building and had to use the ladder, which brought in the building Department who declared the structure not up to code. The Woods were arrested for a violation of an eviction notice and told that if they entered their house again they would be arrested. Arthur and Cindy Wood lived in a VW bus in the 8 lot of their property to avoid arrest. They were in their late 70s at the time. The Council woman Laticia James, who in the guise of doing something good for the situation, set Arthur up with Shaun Andersen a real estate developer with an interest in the neighborhood. This turned out to be a very bad partnership. The bank, Madison Realty, gave a 4 million dollar mortgage loan to The Broken Angel LLc, a partnership between Shaun Andersen and the Woods. The loan was supposed to be to bring the building up to code and turn it into condos. $50,000 was given to the LLC every week, which never made it past Shaun's office, except for a few things like a steel staircase and demolition of the top floors. They emptied the building and Shaun Anderson forged documents that said he paid Arthur Wood more than $800,000 for the #8 lot. They did not sign these documents and this money was never given to the Woods. Despite these injustices, the money in the loan ran out and the bank called in the mortgage as a foreclosure. Anderson, Madison Realty and Arthur Wood have been in court in regards to this matter for the past six years. After various appeals and new cases, Arthur has run out of options on his eviction. He has been give a final date of March 15, 2013. Despite his efforts to bring attention to his cause, he has met unsympathetic coverage, the Daily News mocked his case last Sunday saying the neighbors think his house is an eye sore...When standing on the street today hanging out with the neighbors they had tears in their eyes. Prominenty featured in David Chapelle's love letter to BK "Block Party" I would love to have media, friend music whatever present to show the City and whoever else cares that this man is loved and deserves to stay in his home that he built! If you don't think this pertains to you think about all our futures and the houses we buy.. boosting dying neighborhoods,towns,and cities (ahem..) and after you put 40 years of love into something have some developers give you a bad deal and kick you out of your home at 81. If your into humans vs. money and making your dreams come to life... C'mon and share some love on Friday! Even at 81, he was cutting up his artwork with a circular saw to fit it through his door today so he could stick it in a Uhaul. He makes star gazing chairs, beautiful paintings, mechanical furniture...the basement where he made a huge fireplace had a waterfall that flowed in a sheet of water infront of the fire... and when you go take a look the seating area in front of the fireplace. There are two butt imprints one is of Arthur's and the other of Cynthia who died of cancer 2 years ago in the midst of this mess.
Turn Over 405 Hatch Ave to the CommunityDear US Bank, We are a family that has been directly affected and victimized by the traumatic process of foreclosure. Our mother, Lucinda Adams Vinje, lost her job due to injury and was no longer able to make the mortgage payments, at the rate they were, due to disability. Unfortunately my boyfriend and I were of little help financially because we were also deemed unable to work by medical opinion due to difficulties with mental illness. The bank advised our mother to apply for programs of which she did not qualify. All along the way, different people claiming to represent the bank told our mother to apply for a loan modification and said that they would work with her. However, they continually lost her paperwork asking her to resubmit it over and over again until they eventually stopped answering the phone and returning her calls. During this time, the bank had already sold the house and proceeded with the eviction and foreclosure. Our family officially became homeless and were forced to live out of our car on October 23rd when 12 sheriff vehicles lined both sides of the street making a shameful public example of us. Using threats and intimidation to throw us out even though we were leaving peacefully and being compliant. We had only moments to grab the things that were dear to us as they changed the locks. I watched as our cozy, sanctuary full of happy memories was turned into nothing more than a vacant nightmare and a pain in my heart. We will move into 405 Hatch Ave St. Paul, MN. 55117 thanks to Mysnikol Miller, who we consider our guardian angel. She has selflessly opened her heart as well as her own home to our family after your bank foreclosed upon it 11 years into the mortgage. This home, which would otherwise sit vacant, will give us a warm place to live this holiday season and will provide much needed stability for my 12 year old son who stays with us regularly. Many people support us in this action including neighbors, friends and Occupy Homes, giving us compelling and considerable strength in numbers. We need this home turned over to a nonprofit that will provide housing for those in need and benefit the community instead of letting the property sit vacant. You will be able to use this home as a tax write off and we can prevent homelessness by keeping families in the home and preventing any further mental anguish and destruction. It may only be a small action for you as a huge corporation but it will change many lives and benefit the community. I can't think of a better way to do something outside of yourself and for the greater good during the Christmas season. We need not throw families out onto the streets in the dead cold of winter. Thank you for your time, Carrie Martinez & Xavier Buford
Demand Banks Stop Unfairly Foreclosing on WidowsThe major banks have a policy toward widows who are behind on their payments, sometimes through no fault of their own, that is worthy of Joseph Heller's Catch-22: widows can't get the mortgage in their names until the payments are up to date, but they can't get their payments up to date until their mortgage is in their name. Millions of women who are trying to catch up on payments after dealing with the deaths of their husbands are now trapped; they can't get current and the banks won't work with them to get them current. And then the banks foreclose on them. The New York Times reported on the plight of Geraldine Bates, who lost her husband last year just after her husband entered into a loan modification agreement with HSBC. Geraldine notified the bank of her husband's death and sent in the first check. The bank returned her payment because she wasn't on the mortgage and now is threatening her with foreclosure, even while she continues to try to pay. http://www.nytimes.com/2012/12/02/business/widows-pushed-into-foreclosure-by-mortgage-fine-print.html?_r=0 No one should lose their house like this. Banks need to change their policies and stop trying to kick widows out of their houses for these outrageous reasons. Please sign this petition to demand that the Presidents of US Bank, HSBC, Wells Fargo, and Bank of America end this horrible practice and work with widows trying to make payments and keep those widows in their homes. We'll deliver your signature to the offices of these banks, and we'll send a copy of these to the Consumer Financial Protection Bureau.
PRESIDENT OBAMA YOU GOT YOUR HOME BACK NOW GET OURS BACKMr. President, millions of homeowners have been or are being displaced by fraudulent foreclosure practices. The banks have shown a total disregard for the human factor in the mortgage debacle where the homeless include infirmed, elderly and children. Greed is the key factor in this widespread plague. During the bailout the banks promised to modify more, but clearly that is not the case as more and more of American's face foreclosure. We need your commitment, President Obama, to stop the illegal foreclosures that are afflicting millions of Americans. Please take a strong stand against foreclosures and stand with us !
Wells Fargo & US Bank: Keep cancer survivors Ana Wilson and Jacqueline Barber in their homesGet sick, lose your home. That's what's happening to Ana Casas Wilson and Jacqueline Barber, both cancer victims, both facing foreclosure evictions during National Breast Cancer Awareness Month. Ana Casas Wilson has lived in the same home near Los Angeles for 40 years. In 2009, she was diagnosed with breast cancer, and her husband had to take some time off to care for her. Their income quickly rebounded, but they missed some mortgage payments. They tried to get back on track and work with the bank on modifications. Ana was born with cerebral palsy, and has been a passionate and effective advocate for the disabled Wells Fargo foreclosed on her anyway, refusing to accept her payments. Jacqueline Barber spent 20 years on the Atlanta police force, only retiring when injured by a car in the line of duty. In 2009, the predatory loan on her house caused her payment to go up $1500, and she fought to stay current. Then she was diagnosed with bone marrow cancer and had to undergo aggressive treatment to save her life. She fought back against the disease, and spent months filling out forms and asking for modifications to her mortgage. A Wells Fargo Executive Vice President assured he they were working on her case. Instead, they sold her loan to US Bank at foreclosure auction, and now she's fighting imminent eviction. The banks are refusing even to sell the home to friends and family who have banded together to help Jacqueline. Your help is critical. We all know that increased stress makes it harder for the body to fight back against serious illness. There is little in life that is more stressful than being evicted. It is not a stretch to say that by pursuing these foreclosure evictions US Bank and Wells Fargo are literally helping shorten the lives of Ana and Jacqueline. The Home Defenders League has found people struggling with illness, medical debt, underwater mortgages and foreclosures in town after town across America. Get sick. Lose your home. Saving the homes of Ana and Jacqueline is just the tip of the iceberg. We need to say no more illness foreclosures and end all sickness evictions.
US Bank & OCWEN: Don't Evict Cancer Patient Jacqueline Barber & Keep Her Family In Their Home!!http://youtu.be/0ijEyBpBKsQ http://youtu.be/r1u05QffjHY I spent 20 years working as an officer and detective for the Atlanta Police Department. In 1998, I was struck by a car while on the job, causing spinal injuries that left me unable to work. Forced into early retirement, I spent the next few years recovering and welcoming new grandchildren to my ever expanding family. In 2005, while visiting a former co-worker with my daughter, I came across my dream home. A friend urged me to apply for a loan, which I did and then quickly forgot about. A few weeks later, I got a call from a loan officer telling me that I had been approved and asking me when we wanted to move. Reluctant at first, my family and I decided to purchase the home in Fayetteville, Ga. In 2009, shortly after the housing bubble burst causing our economy to crash, the adjustable rate on my mortgage reset, causing my payments to go up by almost $1500. Meanwhile, the value of my home began to plummet. Then tragedy struck. I was diagnosed with multiple myeloma, a form of bone marrow cancer. I began aggressive chemotherapy and radiation treatments, while my son helped me begin the long process of applying for a loan modification with Wells Fargo. After almost a year of treatment, including a bone marrow transplant, my disease went into remission. My mortgage troubles however were far from over. Over the next 2 years, I sent in document after document to the bank, attended countless seminars with housing counseling agencies, and tried everything I could to obtain a loan modification, all while still in a wheelchair from the pain I was suffering. My family and I even fell victim to so called “foreclosure rescue” groups, paying them over $3000 to assist us. Finally in early 2012, I received a letter from the executive VP of Wells Fargo assuring me that they were working on my case. I felt a sense of hope at the prospect of finally getting some relief. Much to my surprise, I received a letter a few weeks later from US Bank, claiming they had purchased my home at auction for less than a third of what I had paid for it, and demanding that I vacate the property. Despite their assurances that they were working on my case, it seemed Wells Fargo had moved forward with the foreclosure. My family, including my four young grandchildren who now live with me, were faced with being put out of the home we love. This began my next battle with US Bank & GMAC. US Bank purchased my home at the auction for less than a third of what I paid for it. Now they are trying to evict me, even refusing to sell the home back to my friends and family who were more than willing to pay for it. It appears that my home was bundled with thousands of others into a risky Mortgage Backed Security, the same kind that led to the crash of our economy in the first place. US Bank is trying to place the blame on GMAC, who claims it is in the investor's hands. This began my next battle with US Bank, and their enforcer/servicer GMAC, who are demanding that my family vacate the property immediately, even refusing to sell it back to friends and family members who were more than willing to purchase the home back from them. It is unclear at this point who actually owns my home. It appears that my loan was bundled with thousands of others into a risky mortgage backed security, the same kind that caused the economy to crash in the first place. The stress of all this has caused my cancer to come out of remission, and I am now having to resume aggressive treatment to fight it. On Thursday October 11th a judge lifted the stay granted by my bankruptcy. US Bank and GMAC are now free to continue eviction proceedings. This means that I could be evicted in the next few days. However, instead of losing heart, my spirit has been strengthened. Occupy our Homes Atlanta has set up an occupation at my home. I'm gathering my friends, family, and community by my side to deter an eviction that could come in a matter of days. Please sign my petition asking US Bank and GMAC to stop their attempts to evict me, and to work out a deal that allows me to stay in my home.
Bank of America and US Bank. Don't take single mom Kim Claiborne's home from her and her ChildrenThis is important to me because this is home for my children. I, being a single mom, struggle alone to provide for my children. All I am asking for is to really be given help. A home down the street, just like mine, recently sold for 78, 000. Their monthly mortgage is a little over $500 they tell me. My house is 126,000 with a payment over $1000. If my home is taken away from me it will most likely sell for the price that one did, with a mortgage like theirs, something I CAN do if only someone would have compassion and care about their job beyond the paycheck they get from it. Just the act of living is a struggle for us the way things are. Where my children lay their heads at night should not be one of those struggles. It breaks my heart to think that there are people out there that can comfortably sleep at night with the profits in their pockets while my children will have to sleep where they can.
Save John Vinje's Home!John Vinje and Lucinda Adams-Vinje bought their home in 2008 for 148,000. Their payment was roughly $1,300 per month on a 30 yr fixed term. It was the 1st home that either of them had ever purchased. John had been an Air Force pilot during the Vietnam war before working for many years as a security officer. Lucinda had a well established 10 year career as a TSA agent at the Minneapolis airport. Lucinda chose the home because she had grown up in the South Metro area and her work is nearby. She also happens to love the house. John says “I’m not sure why, she just loves it.” In July 2010 John and Lucinda entered into a trial separation. Lucinda wanted to stay in the home and John agreed. But by September she realized that she would not be able to float the payments on her own. She asked John if he would be willing to add his name to the mortgage and help her stay. John agreed for his income to be used in order for her to qualify. He claims that because of poor communication from the US Bank rep that was not informed that he would actually be the legal guarantor of the mortgage, until he was sitting at the Closing table. At that point he felt he had no choice and signed the papers, even though he was lied to and felt violated. The new refinance cut $200 off the original payment but raised the principal balance. In the meantime the value of the home had fallen by more than $50,000. This new “deal” had put them even more underwater. By July 2011 John and Lucinda had repaired their relationship and John had moved back into the home. Their combined income of $3,000 per month was more than enough to make the $1,100 monthly payment obligation. What John did not know at the time is that Lucinda had fallen 2 months behind on the refinanced loan payments and US Bank was now demanding full payment. John called the Bank to explain their relationship status, that they could make the agreed payments, and that even though they couldn’t pay the full 2 months of arrears they would be more than willing to make partial payments on the $2,200 balance until it was paid in full. US Bank refused and began foreclosure proceedings. If they do nothing they will lose their home in April of 2012. This Air Force veteran and his wife have worked their entire adult life and now stand to lose the only home that either has ever owned. What US Bank doesn’t realize is that John and his wife are fighters. They, along with a growing number of Minnesota homeowners, have taken a pledge to stand with their community and fight for their home. John had this to add: “Their refusal to work with us is an outrage. Do you know how much the C.E.O. of US Bank made last year? 18 MILLION dollars! And yet they want my house that’s only worth $80,000. Well you know what? I’m not gonna let them have it!”
Help Monique White Save Her Home (UPDATE: Monique Won!)UPDATE: After a 7 month campaign led by Occupy Homes MN, Monique White has been offered a new loan by US Bank. In October of 2011 Monique was perhaps the first homeowner in the nation to approach the Occupy movement and ask for help in defending her home from an unlawful foreclosure . The 6 month campaign to save her home set an historic precedent in the Bank and foreclosure reform movement. The new loan was offered some 15 months after the end of the Redemption period and with a payment in keeping with the homes current value. * * * * Monique White bought her house in North Minneapolis in 2003, and was the first person in her family to own a home. Now she is facing foreclosure and though she has been trying for years to work with U.S. Bank to save her home, they have been unwilling to help her up to this point. Monique worked for 11 years as youth counselor at a group home to help troubled teens transition back into their communities. In February 2010, the nonprofit shut down due to state budget cuts. Although Monique still has a part-time job at a liquor store where she has worked for the past 8 years, this has not been enough to afford her mortgage payment. Monique has gone through the process of trying to get a loan modification writing a hardship letter and sending document after document to US Bank, yet they still refused to work with her and have foreclosed on her home. "A house across the street from mine just sold for $9,500, and the bank would rather kick me out and let the house sit empty than renegotiate my $130,000 mortgage. It makes absolutely no sense." Explained Monique. She purchased her home for $127,000 in 2003 and has put an additional $30,000 into repairs and improvements. US Bank repurchased it at a sheriff’s sale in January 2011 for $71,000. US Bank has refused to reduce the loan amount to what the house is worth now which would have lowered her mortgage payment by over $400 per month. Monique wants to stay in the home that her children have lived in for the last eight years. Her 16 year old son is nearing graduation, and she is worried that moving to a new school district would mean he would have new graduation requirements. One of the last things Monique's father did before he died was to help her with the downpayment on her home and now she is in danger of losing everything.
Change Tax Code To Stop Wall St. Hedge Funds, and Investors From Investing In Single Family HomesIt is important to create an economy where people can succeed. Unlike in the past where people were given a mortgage that they couldn't succeed at if the economy was driven off a cliff by greed, and fraud. By the big banks and Wall St. firms. Given decent mortgage terms, a stable economy, and the opportunity to earn a living wage, homeowners will fulfill the promises they made when they signed their mortgage.The economy needs guidance so we don't have high unemployment. Repairing the homes will increase economic activity, and employment. Hundred of thousands, perhaps millions, of single family homes will be repaired, and improved by owner occupied owners, or contractors. Home values will be maintained. Neighborhoods will be improved, and maintained. The supply of housing will increase. Homes will become more affordable. Home ownership will increase without increasing the risk of another primary home crisis. How would you feel if you were a family looking to find your one piece of the American Dream. Just one home for you, and your family to live in. After years of making sacrifices to save up enough money for a down payment, you make an offer to buy a house, and then a Wall St investment firm, or an investor out bids you with a cash offer for the home your family has wanted, and needed for years. Or worse than that, a financial crisis is created by Wall St., and the big banks, you lose your job, and then you lose your home to foreclosure after living in the home for years!! And then, to rub your nose in the shitty situation, Wall St types, or an investor buys your home for pennies on the dollar, and then they want to rent your home back to you for more than what your payments were, that you couldn't afford in the first place!!!! It makes you feel like, why did I work so hard, for so long to be kicked down like this? You want to get up, and #!*%&@ This scenario happens more and more as investors and Wall St. investment firms have jacked up single family homes prices from coast to coast. Wall St. investment firms, and their accredited investors have become the largest owners of single family homes in America. There are many real estate investment opportunities for investors to invest in multi-unit housing. Single family home prices should reflect the purchasing power of the families that want to live in the home, not the greater purchasing power of Wall St. firms, private equity funds, and accredited investors. People are video documenting the imbalances that Wall St. and accredited investors are creating investing in single family homes! Prices of homes, and rents are rising too fast in some housing markets again. Watch full episode of "Wall St. Landlords" on Aljazeera America channel 219 on ATT U-VERSE. Search on the internet for similar videos on other TV channels, You Tube, or for the title "Wall Street Landlord." A single family home market, made up of home owners that live in the home, is more stable than an investor led market. Investors are not emotionally tied to a single family home as much as a family that has lived in the home for years. If the price of the home decreases, investor dump the homes on the market by the millions, as investors did in the 2008 financial crisis, or they abandon the homes if they are not making a profit from the house, also devaluing the surrounding homes. Families need affordable housing that is priced at their purchasing power . Not at the purchasing power of accredited investors, and Wall St. investment firms. Some things are more important than amassing wealth, making a profit, and increasing tax revenues. Sure the Fed's Quantitative Easing creates the "Wealth Effect". It makes the wealthy richer, because they own most of the income generating assets in our economy, which go up in price with the use of Quantitative Easing. The working poor, and the middle class get poorer, because they lose assets when they lose their job. The only income they have to pay their payments, and take care of their family is their job. This is why it is very important that the 2% Appreciation/Inflation Taxation Policy needs to be enacted to help maintain employment!!! When a recession occurs in an economy, interest rates decrease. To increase demand on Main St., to reduce the length, and depth of the recession, or financial crisis, all single family home mortgages should include a clause that lowers the interest rate, as the Federal Reserve lowers interest rates to the financial sector. This change will eliminate refinancing cost, and increase economic activity, and aggregate demand on Main St. rather than primarily increasing economic activity in the financial sector, increasing it's profits, and bonuses, The foreclose crisis has given the rich the opportunity to grab more income producing assets to increase their wealth. We need to change this economic injustice NOW!! Go to www.taxpolicy.wordpress.com for more ground breaking ideas on helping people to succeed.
Select Portfolio Servicing: Don't Take My HomeThis is not only my home, it's my life they are prepared to take away for no other reason than sheer greed. I have livestock, a 90 year old Mother in Law and family pets which have no place to go. My business was crushed with the crash of 2008. Nothing I did caused this to happen. It's high time that banks do something useful for the bail-out money that made them whole again. Time to make homeowners whole again!
Declaration of the Eviction Free ZoneWe, the residents of the Central and Powderhorn neighborhoods of Minneapolis, hereby declare our community an Eviction Free Zone. We pledge not to move out of our homes until stable, equitable, and affordable housing is accessible to everyone who lives in our neighborhoods. We refuse to watch any more of our neighbors forced out of our community. As our community has suffered 835 foreclosures since 2007, our elected officials refuse to act. Though the Central and Powderhorn Neighborhoods are among the poorest in Minneapolis, we owe Wall Street over $52 million in negative equity. While many of us are homeless, abandoned homes sit uselessly vacant, vulnerable to crime and blight. As Wall Street and the big banks are again making record profits, in our community we have seen no relief from the foreclosure crisis. We will no longer be held hostage by the tyranny of the financial institutions that crashed our economy. We have come together as a community to voice our collective demands, and will not move from our homes until they are met. -A moratorium. State and Federal authorities must declare an immediate stop to foreclosures and evictions until policies are in place to ensure stable, affordable, quality housing for all. -No public resources for unjust evictions. Our public servants, city officials, police officers and sheriffs must not interfere with any negotiation by evicting residents who intend to negotiate with their lender. City and County officials could enact a de facto moratorium by publicly refusing to carry out evictions of unjust foreclosures. -Principal reduction. Lenders must rewrite all mortgages to reflect today’s housing prices at an affordable fixed interest rate. Households in Powderhorn Park and Central neighborhoods owe at least $52 million in negative equity to the big banks. Relieving this unjust debt would provide relief to thousands of families. -Housing is a human right. Hundreds of bank-owned vacant properties sit uselessly in our neighborhoods while in Hennepin County homelessness is at a six-year high, and over 30% of all people experiencing homelessness are children. Bank-owned vacant properties should be placed under community control, to be used for affordable housing. We believe that safe, equitable, and affordable housing is a human right. Until this vision becomes a reality for all of our neighbors, we stand together against foreclosures and evictions. We hereby declare the Powderhorn and Central neighborhoods of South Minneapolis an Eviction Free Zone. We, the residents facing eviction, shall not be moved. Jaymie Kelly, 55407, JP Morgan Chase Sergio Ceballos Aguila, 55407, JP Morgan Chase Jessica English, 55408, Wells Fargo Genet Beyene, 55408, Ocwen Loan Servicing Gayle Lindsey,55408, M&T Bank Nafeesah Abdullah McReynolds -El, 55407, Midland Mortgage Co. Paula Medlock, 55408, JP Morgan Chase Connie G, 55407, Citi Mortgage Nathaniel Daniel, 55408, Bank of America
Bank of America needs to let us keep renting our Foreclosed Home of 7 yearsWe are Both Disabled.We have been paying "Use and Occupancy" payments since February 2012.We need a new agreement to start on May 1, 2013 when our current "Use and Occupancy" agreement ends so we do not have to move. Our home is in "OFF Market" status and is NOT For Sale.Bank of America,aka U.S Bank N.A. does not hold the Note to our home.The Title still remains in my name.The home also lost 75% of it's value since 2006. I have applied for Public Housing and we are on many lists with little hope of obtaining housing as most Towns have either closed their waiting lists or simply have too few units to house the number of people that have been displaced by Foreclosure. The Mortgage was part of the Countrywide assets purchased by Bank of America,U.S. Bank N.A. . Bank of America,U.S. Bank N.A. has received more than 1 TARP Bailout for these homes.They were more than happy to take the money from the Government and refused to work with us because SSDI & SSI do not seem to be considered "income" even though the money comes from the U.S. treasury which paid Bank of America,U.S. Bank TARP monies for these Toxic Assets. We pay "Use and Occupancy" to the Legal Representatives for Bank of America,U.S. Bank .We are not living here for Free and what we pay is above and beyond what we should even have to pay considering that we are on fixed incomes.We put our Life Savings as a down payment and when the ARM rate rose we simply could not carry on.We were told that once we closed on the home our mortgage would be changed to a "Conventional Mortgage" and we have the paperwork to prove this,however Bank of America,U.S. Bank refuses to work out a refinance and we have been passed from one person to another only to hear that the Disability payments are not considered income which is Discriminatory to persons with Disabilities. We are both on Long-Term Disability and are not physically able to work.One of us is crippled and can no longer walk without assistance, has lost over 75% use of her hands, has Cancer & Post Traumatic Stress Disorder.We are both in our late 50's and in declining health.We need to know that we will have a roof over our head for at least another year. Every time we have to negotiate another "Use and Occupancy",we are always told that Bank of America,U.S. Bank N.A. will not allow us to stay here and we have had to plead with their agents each time it comes to renew this agreement.The house is not on the market,and not listed for sale so there is no reason not to let us keep our "Use and Occupancy " agreement for at least a year.We have no where to go.We have no Family or Friends that can take us in and we have done everything we can to find Public Housing.Many Towns in MA. have NO public housing (such as the one we live in) or as few as 4 units to meet the minimum requirement.The demand outstrips the supply.There simply is No Public Housing available and the wait lists are very long,many with a 5 year wait.We have been on wait lists for several years and unless people move out of Public Housing,we have no choice except to continue living here.We need a solution to stay in our home or it will just add up to another abandoned property that no one will want.Our well is contaminated like most of the Town which is why no one has even looked at the home. The home has no clear title and would be impossible to sell .We want the Legal Representatives of Bank of America,U.S. Bank N.A. to give us a Year of "Use and Occupancy" with the option of renewing it after a year.After all,they have been more than happy to take our money every month so there is no reason that this agreement cannot continue. It would be a hardship to move because of our Disabled status.We don't even have the ability to pack our belongings and leave.The home is in a secluded area that would most likely be vandalized if left vacant since it's off the road.It is in the Banks' best interest to have responsible tenants here to have someone in the home to make sure this does not happen. Please let us stay in our home of 7 years and continue to pay rent under a "Use and Occupancy" agreement of a year with an option to renew.This is causing undue stress that is making our health matters worse.I'm a Diabetic with limited range of motion. Please don't let us become homeless.There is a very easy solution to this problem.When a house goes vacant,the Town loses the tax revenue and that is having a very negative effect on the Country.Empty homes represent lost tax revenue-period! It's time to start looking at this problem from the perspective of the 'small man". Please Negotiate with us to let us stay in our home.We need a solution by May 1st, 2013.Please stand with Occupy Our Homes! Thank You, Roger Dantes & Debra Pinkham 30 Bare Hill Rd. Boxford MA. 01921