- 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
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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!
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
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