- 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
Jay Bray ....Do Not Evict Reverend Vilma....Work with Reverend Vilma!Reverend Vilma and her husband live at 33 S. Cowley Rd 60546. Right before closing on the house, they found out that the home would not be a fixed rate mortgage. They felt pressured to sign seeing as they currently had no home. The Reverend and her husband signed. But then the housing crash hit our country's infrastructure. From there, a cascade of horrible events proceeded. The family had to close their construction company. They filed for bankruptcy. And if that was not enough strife, the Reverend was diagnosed with Polycystic Kidneys, followed by a heart condition. Her husband was then diagnosed with cancer. Unemployment coupled with a precipitous increase in housing and medical payments led the family to apply for 4 loan modifications throughout the years. None ever saw any results with Nationstar or Bank of America. If Nationstar were to foreclose, they would not only render the Reverend and her husband homeless, but they would deny the community incredible social and human services. The family hosts marriage and youth counseling; on top of which they offer drug addiction services. Furthermore, the Reverend and her husband have opened a food pantry in the home where 1,600 lbs of meat is delivered monthly. But if that was not enough, the family has a spare bedroom for the homeless, as well as a youth center in the garage. The Reverend and her husband implore Nationstar to work with them on a solution to keep them in their home. They would like to make their monthly payments affordable. Considering the family's loss in income, they would like to pursue a Principal Reduction Alternative. This could help stop the sale of the home and thus provide the Reverend and her husband an opportunity to hold onto their home, but also keep the community's much needed social and human services available.
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.
HALT THE EVICTION AND SUPPORT THE HOMELESS OF SANCTUARY VILLAGE IN ROCHESTER, NYOn Friday, December 19, the City sent in a team of workers to dismantle Sanctuary Village. Despite a promise to not force eviction until December 28 (They wanted the homeless to disappear before the downtown New Years Eve fireworks), they went back on their word, bulldozed all the belongings of many homeless residents of the village and put their few earthly possessions in a giant dumpster. Truly a sickening site. Many homeless were tricked into leaving their tents for the weekend (by obtaining 2 days of shelter in a hotel offered by the county) knowing that their belongings would still be in their tents for the week. This was not so. 4 homeless risked their lives by staying in their tents. The others lost all they had. For some moving details, go to the following link for some powerful video of the heartless destruction, as well as moving pleas by Sr. Grace of the House of Mercy, and Ryan Acuff. http://rochester.indymedia.org/node/104412 In August 2014, Monroe County Executive Maggie Brooks took the drastic step of shutting down the de facto shelter of over 30 years at the Civic Center Garage where 30-50 homeless people found refuge from the harsh elements on any given night. This could have been a positive move if alternative shelters or permanent housing for the chronic homeless were made available. Instead this action amplified an already dire situation for the homeless who were put out in time for winter with no alternatives in place. After more than 18 months of negotiations with both the County and City officials by members of the House of Mercy and St. Joseph's House of Hospitality, Monroe County government continues to praise themselves for their homeless services while scores freeze in the cold. The City of Rochester refuses to repeal §120-64. of Ordinance No. 2012-363 of the zoning code which prohibits homeless shelters downtown. The message is clear, downtown is open for business but closed for homeless. We are coming together to call for the end of the criminalization, harassment, and abuse of the homeless. and an end of the war on the poor. We calling for a Homeless Bill of Rights, which is a historic opportunity for the City of Rochester to distinguish itself as a model of municipal foresight and compassion. We are also calling for the recognition and the right to housing for all in the city of Rochester and Monroe County. These demands are backed by international laws such Article 25 of the Universal Declaration of Human Rights (UDHR), Article 11 of the International Covenant on Economic, Social and Cultural Rights (CESCR), and Article 5 of the International Convention on the Elimination of All Forms of Racial Discrimination (CERD).
Wells Fargo, Don't Evict Vet and his Children Before Christmas!My name is Joseph Martinez. I am a United States military veteran, and a single parent of Phillip and Joseph Jr, aged 11 and 4. The Rochester City Marshal has informed me that I will be forcibly evicted from my home as early as December 9th. On April 1, 2014, I signed a year lease for 189 Alameda Street. Approximately two months ago, I found out that the house I live in was being foreclosed. Despite presenting a copy of my lease to Wells Fargo, I was informed that the bank would be trying to evict me on December 8, and they wanted me to pack up and leave. Not honoring my lease is in direct violation of the Protecting Tenants at Foreclosure Act of 2009. For me, having a stable home in a positive environment is crucial for raising my children. Having to move would surely create instability. In addition, being so close to Christmas will add additional stress both financially, physically and emotionally. As a veteran I would expect Wells Fargo to be understanding and support me in my wish to stay at least to the end of the lease. I chose Alameda Street because of the proximity to an excellent school with a great sports program where my son, Phillip, can thrive. One month ago I was given sole custody of Phillip, and being able to provide a stable environment for him was one of the deciding factors for the judge. It would be unfair to my son to have to pack up three weeks before Christmas with no home to move into. I am asking Wells Fargo to call off the eviction and negotiate with me so that my sons and I have a place to live for Christmas and beyond. If they will not grant my request, I will be working to peacefully defend my home with the help of Take Back the Land Rochester and other members in my community.
Grandma Got Run over by Hometown BankJudy is 72 years old, she is confined to a wheel chair. She signed herself out of a nursing home to go to housing court. Judy thought that she signed a mortgage for a different property, unknowingly she signed a sub-prime blanket mortgage that covered her home as well as the second property. When she got sick and went into the hospital she had no choice to default on the loan thinking that she would lose her investment property. She lost her home as well! All while she was too sick and medicated to do anything about it. Judy's eviction was postponed with a bankruptcy, now hometown bank is taking her to court again to remove the stay so that they can put this disabled old woman on the street.
Call off the eviction!My name is Tommy Cooper and I am being evicted ion December 8, 2014. I have been fighting a maze of confusing communications received from Ocwen in the course of a 2 year fight against foreclosure that has caused me considerable distress—and made a mockery of Ocwen’s trademarked slogan, “Helping Homeowners is What We Do.” In April 2012, Ocwen foreclosed on my house. This news threw me for a loop because I had applied for a loan modification through Neighborhood Assistance Corporation of America (NACA), a non-profit advocacy group that has a strong record of helping struggling homeowners stay in place. I kept living there while trying to work with local housing counselors in seeking a new modification. After a series of applications and denials, I received a loan modification offer from Ocwen on February 22, 2013. Ocwen. In response to the offer, I asked a few questions. They were all standard issue (“please provide an escrow analysis; please provide a breakdown of my unpaid principle balance”). After I asked these questions, there was no response to my repeated attempts to get my questions answered and get my loan modified by Ocwen for a year and half. In July 2014, Ocwen filed an eviction action. I tried everything to defend the eviction, work something out with Ocwen, and find an attorney,. Yet my best efforts yielded nothing until November 2014. I finally was able to get someone at Ocwen to talk to.me On a recorded call, Ocwen told me they never approved loan modification terms to modify the loan in February 2013 and never agreed to modify the loan but if I could provide proof of the approval in February 2013, Ocwen would modify my loan. Two days later Ocwen said that all though proof was valid, they would not modify the loan. Instead, they got an Order allowing me to be evicted on December 8, 2014. I want Ocwen to honor their agreement to modify my loan. The pain and frustration of this ordeal, has caused me relentless anxiety and sleepless nights. For the past two years I been on anti-depression meds as a result of Ocwen's merry-go-round. I am not a “deadbeat” . I just want Ocwen to honor their agreement to modify my loan.
Wells Fargo: Don't Evict George Douglass from his home!My name is George Douglass. When my wife and I purchased a home in Rochester, NY in February 2008, it was a dream come true. It was to be a haven of stability and security. Yet that dream has now turned into a nightmare. Despite my best efforts, despite ill health, and despite my ability to make payments, Wells Fargo has foreclosed on my home and an order of eviction is in effect. In 2008, my wife and I were both employed by the Hyatt Regency Rochester Hotel where I had been working for eleven years. She was also attending nursing school and we were raising two children. Our lives seemed stable and the future bright. Then in May 2009, like so many others after the banks brought the economy down, I lost my job due to cut backs. I was able to get unemployment and a temporary job that lasted six months, but hard times took their toll. Shortly after the job ended, my wife and I divorced and she moved out of the house. My health declined, the unemployment checks ended, and my wife was no longer there to help pay the bills. Now in my 50's and suffering from health issues, finding employment was a challenge. Looking at hard times ahead, I applied for a loan modification. Nothing came through. I was diagnosed with type II diabetes, severe hypertension, high cholesterol, congestive heart failure, and pulmonary sarcoidosis (the autoimmune disease that contributed to the deaths of Reggie White and Bernie Mac). After bureaucratic delays, I was finally approved for disability. In May 2011 Wells Fargo took over my mortgage and made no effort to work out a plan with me. Only one month later, they opted to aggressively foreclose on my home with the help of the now disgraced N.Y. foreclosure mill attorney Steven J. Baum. Wells Fargo went through hard times, too, but when they were struggling, they received massive bailouts from U.S. treasury, totaling up to $50 billion. Even though my home is on the line, I am not asking for a bailout. I am just asking Wells Fargo to allow me to continue to pay a fair monthly amount so I can remain in my home. I believe this to be both a moral question and an issue of justice. Houses all over Rochester lay vacant and in disrepair due to unjust foreclosures. I will remain in my home. I am asking Wells Fargo to withdrawn the eviction, and am working with Take Back the Land Rochester to launch a public campaign to shine light on Wells Fargo’s unjust practices. I join with them to oppose the mass evictions being carried out after foreclosure by the banks, causing untold suffering to thousands of people and dragging down our communities.
Ocwen: My Home is Everything to Me, Just a House to YouI have put all of my hard-earned money as a single mother into 2 investments: my home and my children's education. People I trusted - my own minister! - including mortgage professionals collaborated to entrap me in a predatory loan which effectively wiped out my equity and could cause me to be homeless. This is not right - my children and I have no where else to go.
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.
Fannie Mae: Don't Evict Jeff, Negotiate! [Eviction 11/18 @ 10AM]My name is Jeffery Nelson Solivan and I live at Edgemont St in Springfield Massachusetts, where Fannie Mae is trying to evict me from my home after foreclosure. I have lived in my home since October 24, 2007. FNMA has scheduled an eviction on my home for Tuesday November 18, 2014 at 10:00AM. I am asking for your support to demand and urge Mel Watt and Fannie Mae to consider again my offer to rent the property using the affordable housing voucher I have, which is in line with the Federal Government’s [HUD] standards for affordable housing. In 2007 when I bought my home, I was told by the bank that I would get a straight loan because my credit was good. Once things were underway with the real estate agent, Acuna Real Estate, we went to purchase the property for $85,000. I went and signed my paperwork so that I could move into the house. I had been led to believe I would have one loan with one interest rate. Being a first time homebuyer I was so excited to be able to purchase my first home at a price that I thought would work for me. After I signed all of the paperwork, I found out that Bank of America fixed me into two loans, even though I thought I was only getting one. One was for 80% and $68,000 on which I was given a fixed rate 30-year mortgage at 6.75%. But on a second 20% loan, for $17,000 they fixed me into a 9% interest rate. When I bought my home in 2007 I had a good job working for Friends of the Homeless as an intake staff. In 2008, a new director came in and I was released from my job without explanation. I had to go on unemployment, but unemployment eventually ran out. I had also been married, but things went awry in my marriage, and we ended up getting a divorce. In the meantime, after I lost my job and once unemployment ran out, I have had times that I have had no income. I’ve tried to get aid for the elderly, but the amount provided was not enough to be able to pay for housing. Combined with going through the stuff with the property and not being able to find work I fell into a deep depression, and there were many days that I thought about ending my life and my career. I’ve started going to therapy one to two times per week, which is helping, but my mental health and state of mind is making it very difficult to find work. I would much prefer to work than to be on social security, but I’ve been forced to try and live on a very small amount of money. In addition to my mental health, I've had other medical conditions. I have heart trouble and suffered a heart attack in 2006. I now have a stent in my heart. I have been diagnosed with diabetes & high blood pressure. September 22, 2013 I was struck by a car on the corner of my street further adding to my health conditions. Since February 2013, I have been receiving Social Security which is giving me a steady income of $776 per month. I am willing to use some of that to be able to stay in my home and prevent another property from becoming vacant on the street. There are already 8 other vacant properties, at least 5 of them are owned by banks after foreclosure. I moved to Springfield on February 7th of 1967. Growing up in Springfield, I went to school here. I’ve worked in my community my whole life. Through working at a homeless shelter I have gotten to know many people. I stay involved in the community to plant seeds and support people all over, from youth to adults, in changing their lives through faith and god. Owning my own home, people in the neighborhood have asked me to help do landscaping work all over my street, because I used to be able to keep my home up so well. Together we’ve been able to build a good community to live in in Pine Point. I am part of the Springfield Bank Tenant Association. We are collectively opposed to the mass evictions being carried out by the banks after foreclosure. If necessary we are prepared to organize an eviction blockade and my neighbors are prepared to stand with me to fight any attempt to evict me by Fannie Mae,
Work with us on the relocation and do better for our families!The Woda Group, the new owners of Boynton Village Apartments in Peoplestown, an historic Atlanta neighborhood, is relocating all 50 longtime residents of the complex and their families while they renovate. The owners of the complex receive HUD funds because it is a site based Section 8 property; therefore, there are rules and regulations that must be honored. We, the residents, have tried to communicate our concerns about the relocation, find out about the terms of our re-entry into the property, and voice problems with our treatment by property management on many occasions. We are extremely concerned about how our children are going to be transported to school when we are relocated from our units and need to know if our children are going to be uprooted from their school where they feel safe. We are also very concerned that we will not be allowed to return to our homes after we are displaced. We understand that with Turner Field leaving Peoplestown and the Beltline coming through our community, real-estate is already becoming more valuable. We love Peoplestown and many of us have lived here our whole lives. We are loved and needed here and will not accept displacement. We have a right to understand what conditions will allow us to move back into the property and which will not. We want to be able to understand each document that we will be asked to sign. We have heard that after we move out, some families will not be able to return for one reason or another. This is unacceptable. Property management communicates with us in an unacceptable and hurtful manner. For example, Boynton Village residents received notice in the mail not to call and inquire about our utility checks because the property manager doesn’t have time to answer questions about that and to get off of our lazy bottoms and go find a job. We do not deserve to be talked to in this manner. We deserve our dignity and not to be treated like burdens when the complex is well compensated. Repair request are never done in a timely fashion we are living in very poor conditions. Please sign my petition to help us get a meeting with the Woda Group. We need to be informed about the relocation and we need property management to improve. Our demands are clear, we want: * The guaranteed right to return to our homes after the renovations. * To be treated with dignity and to have our repair requests dealt with in a timely manner. * To have clarity on the details of our temporary relocation and how it will affect our children’s school attendance.
Justice for Jeannette Lopez“Habitat's vision: A world where everyone has a decent place to live. Seeking to put God's love into action, Habitat for Humanity brings people together to build homes, communities and hope.” Please forgive me for my introduction but I had to humbly express that this vision is beautiful and I agree that “everyone should have a decent place to live.” My name is Jeannette Lopez. I currently reside at my home in Springfield MA. I live with my 4 daughters, my son, and my grandchild. Six years ago Greater Springfield Habitat for Humanity granted my family the opportunity to have a home. Over the past 2 years our family has faced economic and health hardships. We feel that we should not be punished for the obstacles our family had no control over. We believe that everyone has the right to a safe and stable household as Habitat for Humanity states in their mission and vision. When my husband left three years ago, I fell behind on my mortgage payments. In February of this year they served me with a letter stating that I needed to pay them $5000 and make payments of $700 a month to catch up. I was only able to make a payment of $4000 and could not maintain the $700 a month to catch up. Right after I made the $4000 payment, my father, who lived with me at the time, was diagnosed with a terminal illness and passed away three months later. Two days after my father passed, my son-in-law died in a horrible accident. During this difficult time, not only was I mourning my fathers’ passing, but I now had to be strong to help my daughter through her own grief. I was then set back even more financially as I now had two funerals to finance and was not able to maintain my repayment plan with Greater Springfield Habitat for Humanity. To add insult to injury, on June 26, 2014, they held an auction outside my home as I was leaving to lay my father to rest at his funeral. There was no remorse nor sympathy on behalf of this organization for myself and my family for the stress and pain we were already going through at this time. I tried to call and email them to please allow me to stay in my home and pay what I owed. My neighborhood rallied with me and helped me raise the money that i needed to become current on my loan to no avail, they will not take my money. I was told I will be receiving a 48 hour/eviction notice from the sheriff department in a matter of days to vacate my home. Please sign and share this petition to make Habitat for Humanity of Greater Springfield stand by their mission statement and keep my family and I in our home!