- 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.
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.
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