To: Nationstar Mortgage LLC, Freddie Mac, & FHFA Director Mel Watt

Keep Senior Citizens in Our Homes

Keep Senior Citizens in Our Homes

I would very much like to work out a modification that allows me to live in reasonable comfort & security in my current home.

Why is this important?

When I drove into Berkeley Woods Condominium Community in the fall of 1996, I knew immediately it felt like “home”. I had just been thru an ugly divorce & I was ready to make a new start. This felt like the perfect place for me. It was the first place I bought & owned with my own credit & I was very proud of myself.

A year after moving in, I was on the Board of Directors for the homeowners association & I served for 8 years, thoroughly enjoying being a part of the day-to-day operation of my community. I was instrumental in initiating neighborhood yard sales & working to preserve the beautiful trees on our property.

I have worked closely with the addiction community in metro Atlanta & many women’s groups. My home has often served as a gathering place for these friends & has seen much laughter, tears & fond memories. It has been a safe haven for many & my privilege to share.

In 2004, I was laid off my corporate marketing job & decided to try working as an entrepreneur while looking once again for full-time employment. I worked numerous temp jobs & offered my business skills in various private sectors.

It wasn’t enough; I was often dipping into savings, 401K, credit cards … until those were entirely depleted. In 2009, I filed bankruptcy.

Since then, I have made efforts to work out loan modifications with the mortgage holder, Bank of America, but was told that it was not possible because my income was “sketchy” & unreliable.

I am a senior citizen now living on Social Security benefits, occasional temp jobs & various entrepreneurial efforts. My home is in foreclosure & I don’t want to lose it. Nationstar Mortgage LLC now holds the deed to my home & I would very much like to work out a modification that allows me to live in reasonable comfort & security. Thank you.

Gwinnett County, GA

Reasons for signing

  • It is unbelievable what Banks get away with, senior Citizens that do there best and fall on hard times oh boy what kind of People are those?
  • I've been in this position, home foreclosure after a job loss. Unlike the Big Banks, sadly my mortgage co. was in bankruptcy so actually had a valid reason as to why they couldn't work with me. When you're in a foreclosure situation the stresses involved often create panicked thinking, preventing clear thinking. It's a situation I wouldn't wish on anyone.
  • I've seen a very similar thing happen to another friend. She lost her home simply over corporate greed by these mortgage companies selling the loans to each other for profit. It's more like an oligarchical casino than any type of "service". I don't see how these people can sleep at night and live with their consciences! Sickening!

Updates

2015-01-23 21:56:06 -0500

And yet another (19th?) "Dedicated Loan Specialist" - Louri Coversup. The number provided by Nationstar to reach Louri, though, does not go to her ... or even her department.

2014-11-21 21:38:44 -0500

Today, I got yet another "Dedicated Loan Specialist" named Danielle Williams. I believe this is 18th in less than a year.

2014-11-19 10:59:26 -0500

Last week, Nationstar sent me contradictory messages ... 1) an email from Billy Moore, Customer Relations Specialist, saying that "we have confirmed all of the necessary documents required for review have been received", and 2) a letter from Nationstar stating that documents are missing from my loan modification package. I wrote to Billy Moore, Janine Richardson (my point of contact) & several others at Nationstar to clarify what information was correct, but have received no response from anyone. So I have filed another complaint with the Consumer Financial Protection Bureau.

2014-10-21 08:58:06 -0400

“We have received hundreds of complaints from New York consumers about your company’s mortgage practices, including problems related to mortgage modifications, improper fees, lost paperwork, and numerous other issues,” - from a letter to Nationstar's Jay Bray, written March 5 by Benjamin Lawsky, New York’s top financial regulator.

http://www.businessweek.com/news/2014-04-09/nationstar-sees-more-deals-as-regulators-investigate

2014-10-15 10:09:04 -0400

I have discovered that Nationstar is dual tracking my loan modification ... again!

I never heard back from my "Dedicated" Loan Specialist, Janine Richardson; she didn't send a loan package or contact me. When I inquired, I was told by Billy Moore of Nationstar on Oct. 10 that he saw in my file a package had been requested by Janine & he assured me another hard copy would be in the mail immediately. A week later & I have seen nothing.

On the other hand, my home is now listed in the foreclosures for November 4. Nationstar is allowing this to continue while still offering me a loan modification opportunity. This is called dual tracking & it is the basis (among other unethical practices) for several claims against Nationstar to the Consumer Financial Protection Bureau & in courts around the country. http://www.oregonlive.com/front-porch/index.ssf/2014/10/couple_that_won_apology_from_n.html#comments

This continues to be frustrating & stressful for me.

2014-09-27 08:10:50 -0400

FINALLY talked person-to-person with my Dedicated Loan Specialist, Janine Richardson. She apologized for all the confusion of the past several months; apparently Nationstar is going thru a reorganization or down-sizing or something equally disruptive & it has caused much confusion for borrowers.

Anyway ... Janine has promised to send me a completely new document request package & has given me details on how that will be processed. We'll see what happens going forward.

2014-09-19 12:14:21 -0400

My "Dedicated Loan Specialist" has changed 3 times in as many months & I cannot get any of them to respond to my request for clarification about what is missing from my loan modification package. Very frustrating!

2014-09-11 08:35:51 -0400

Nationstar informs me that they are declining my request for a loan modification because of an incomplete document package. This confuses me. I believe I sent them (via certified mail) all the documentation they asked me for & I have a letter from Nationstar saying that my document package appears to be complete. I have emailed & left voice messages for my Dedicated Loan Specialist, Kimberlee Kojak, but so far no response.

2014-07-18 11:21:15 -0400

Yet another robo-call from "Kimberly No-Last-Name" at Nationstar today. She requests that I call their 800 number & "speak with any agent". Yet nothing whatsoever from my Specific Point of Contact at Nationstar.

2014-07-16 10:23:43 -0400

Yet another robo-call from Nationstar Customer Service today. Whenever I do as requested & call back on their #800, I either get put on hold for extremely lengthy periods of time or I get a customer service rep (NEVER the person who name is left as a contact point on the robo-call) who doesn't have a clue what's going on with my account. (((SIGH!)))

2014-07-12 10:39:09 -0400

As the Department of Justice reportedly continues negotiations with Bank of America (with whom I originally re-financed my mortgage in 2006) & other major banks responsible for the ongoing foreclosure crisis, I wonder if lending institutions are suspending work on loan modifications, etc. pending the outcome of those negotiations?

2014-06-27 16:07:48 -0400

Still have not heard anything from Nationstar Mortgage. Hopefully, they are giving some serious consideration to my most recent loan application.

2014-06-05 09:09:42 -0400

Apparently my application for a loan modification is still active despite the previous denial. I received 2 requests for more documentation (actually duplicates of items already provided) & have sent the requested documents to Nationstar via Certified Mail.

2014-05-05 09:08:29 -0400

Confused ... again. I got a letter from Nationstar saying my loan modification had been denied. Not for lack of money, but for lack of getting documentation in on time. When I asked for clarification on what documentation was not received in time, I got 2 different answers from 2 different customer service people. Ugh!

2014-04-11 09:36:00 -0400

I have now received another encrypted email from a Nationstar employee. I find it very interesting that Nationstar feels a need to go to such extraordinary lengths to keep their correspondences secret, while I on the other hand, have had to provide to them such details as my date of birth, social security number & bank accounts.

2014-04-03 09:32:49 -0400

Yesterday I received an email from a Customer Service Rep (Kimberly Brinkley) at Nationstar that was encrypted & required that I open a special Nationstar online account in order to open it. The email landed in my Spam folder & my anti-virus software found it questionable. I'm not sure why Nationstar would find it necessary to send this type of communications, but I am not willing to risk the health of my computer to find out. I've responded to Ms. Brinkley asking that she re-send the correspondence in another manner. It feels like if Nationstar can find a difficult manner in which to do business, they will employ it. Ugh!

2014-03-30 07:44:56 -0400

Nationstar finally sent me a copy of their "Third Party Authorization" form ... after FOUR written requests to Nationstar employees (including my 'single point of contact') & a complaint to the Consumer Financial Protection Bureau! Anyway, OOHA people (Tim, Deanna & Rob) are now negotiating with Nationstar on my behalf. We aren't finished yet, but this is an important step in the right direction. Much gratitude to all those who support me in this fight!

2014-03-14 10:46:13 -0400

I have now filed another complaint with CFPB (Consumer Financial Protection Bureau), saying that Nationstar has not provided me with the "Third Party Authorization" form they said they sent in their letter to me of December 27, 2013. I have no record of receiving that letter & have asked Nationstar FOUR TIMES to provide that attachment. Today I received a phone message from Nationstar saying that they were "working on" this issue & providing me with their generic phone number to call back if I had any questions. That phone number (which I've called numerous times in the past) connects me to a call center where nobody ever knows what's going on & cannot answer my questions. Ugh!

2014-03-03 14:05:46 -0500

Nationstar continues to ask for new documentation & I continue to provide. But now I have asked Nationstar FOUR TIMES for their "Third Party Authorization" form, so that a legal or housing representative could speak to them on my behalf, & they are so far not willing to provide me with the form. Very unfair!

2014-02-28 12:51:47 -0500

Nationstar continues to ask for new documentation & I continue to provide. As negotiations proceed, however, I would like some of the OOHA staff to be able to speak on my behalf. Toward that goal, I have made several requests to Nationstar to send me a "Third Party Authorization Form", which they have failed to do. Today, Tim Franzen of OOHA & I made a conference call to Joan Osiemo at Nationstar, leaving her a voice message to provide that document to me via email as soon as possible. It has been 2 weeks since the first time I requested the form.

2014-02-09 11:28:17 -0500

On February 6, Nationstar responded to the complaint, saying that they intended to continue to dual track my home and that it was scheduled to be sold at foreclosure auction in March. In that same response, they also requested new loan modification documents.

I disputed their response & CFPB will investigate further. CFPG is not, however, obliged to inform me of any future information about this complaint. I'm not done yet, tho! Stay tuned, friends ... & thanks for your support!

2014-01-31 11:59:02 -0500

Consumer Financial Protection Bureau (CFPB) responded:

"We’ve sent your complaint to the company for a response. We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. You should receive a status update within the next 15 days."

2014-01-31 11:55:09 -0500

On January 28, I filed a complaint with the Consumer Financial Protection Bureau against Nationstar Mortgage, saying that I felt they were dual tracking my mortgage/foreclosure.

It is my understanding (from nolo.com) that: 'Dual tracking occurs when a mortgage holder continues to foreclose on a homeowner's home while simultaneously considering the homeowner's application for a loan modification.' I attached supporting documentation with my complaint to CFPB.

I also sent an email to my (several) 'dedicated loan specialists' & the CEO of Nationstar, advising them of my complaint. So far, I have had no response from Nationstar.

I want this unfair practice stopped & I want an equitable resolution to my housing situation!

2014-01-08 16:53:10 -0500

Going over some paperwork from the last few months, I notice that Nationstar has told me that my "Dedicated" Loan Specialist was:

12/28 - Jhunita Burt
12/21 - Kimberley Brinkley
12/12 - Taylor Pettigrew
11/18 - Brandon Carmichael
10/11- April Manzanedo
10/10 - Arnita Trahan
10/9 - Samantha Tully
9/27 - Michele Maldonado

Talk about a confusing shell game!!!

2013-12-25 11:12:46 -0500

Happy Holidays, everyone! I am very grateful to still be in my home for the holidays, however tenuously.

Last week, I received another letter & email from Nationstar. Apparently they have handed me off to yet another "point of contact" ... Kimberly Brinkley, a "customer relations specialist", who has asked for yet more documentation and/or re-submission of previous documentation.

Nationstar is one of the companies that Bank of America hired or created to handle it's overwhelming number of foreclosures. It makes me wonder if Nationstar is also involved in the following:

http://www.dailykos.com/story/2013/12/16/1263148/-How-far-would-Bank-of-America-go-to-screw-distressed-nbsp-homeowners?detail=email#

2013-12-15 12:14:30 -0500

On Thursday, Dec. 12, several friends of OOHA in Texas staged a peaceful demonstration at the headquarters of Nationstar Mortgage near Dallas. You can see pictures at https://www.facebook.com/tehmcginley/media_set?set=a.10201859465386058.1073741836.1165787632&type=1.

I am overwhelmed with gratitude for these friends & apparently Nationstar was a bit overwhelmed as well. I got a phone call later that afternoon from Taylor Pettigrew, a public relations specialist at Nationstar, who very politely assured me that Nationstar wanted to work with me in every way possible & asked for some more documentation regarding my loan application. I am now putting together that documentation & we shall see what happens next.

Many thanks & Happy Holidays to all those who have signed my petition, sent good wishes or participated in any positive way with my fight to remain in my home!

2013-12-07 13:59:52 -0500

Well, I mailed in my loan modification application to Nationstar, so I am now awaiting their response. Hopefully, this petition & the signatures of those who support my cause will send Nationstar the message that I am not alone in this fight, too. We, the hard-working citizens of America, are standing up & fighting ... for our homes! Thank you all for your prayers, love & support!

2013-11-18 09:11:42 -0500

Point of contact Brandon Carmichael seems to be as difficult to reach as other Nationstar employees. I've emailed him twice & both times received an "out of office" automated response. Ugh!

2013-11-01 15:53:33 -0400

FYI - Earlier, I also filed a complaint with the Consumer Financial Protection Bureau (consumerfinance.gov), which I believe helped move things along. CFPB also shares information with the Federal Trade Commission.

2013-11-01 12:52:43 -0400

Nationstar has now provided a point of contact - Brandon Carmichael. His email says "The foreclosure sale has been rescinded and all foreclosure activity's been placed on hold to allow time to review for a modification." He attached loan modification documents, so I am in the process of working on them now. Please continue sending prayers, good energy, etc. for this to work out. Thank you!

2013-10-23 14:17:35 -0400

Today I emailed everyone at Nationstar whose address I had, asking for a single point of contact. It is so frustrating to call them & never get the same person, or the same information!

2013-10-21 20:38:26 -0400

OK, one issue appears to be clarified. I have a voice message from Amanda Thornton, legal assistant at McCalla Raymer (attorney for Nationstar), saying that the foreclosure sale is being rescinded & they are closing their eviction file.

2013-10-20 12:14:58 -0400

Still very confusing ... In one hand, I hold a letter from attorney (McCall Raymer in Roswell GA, 1-800-845-8633) saying that property has been sold & process to evict to be filed last Thursday. And then received (2nd hand via email thru RainbowPUSH) what looks like loan modification paperwork. Nationstar still has not communicated with me directly to provide clarity. Has the sale been rescinded & the foreclosure postponed???? Or am I to be evicted in the next couple of weeks???

2013-10-17 23:24:01 -0400

Thank you, thank you, THANK YOU! The call-in to Jay Bray at Nationstar Mortgage has made a difference. Late this afternoon, he communicated that he is escalating the request that the foreclosure be postponed & to disregard the eviction notice. It doesn't mean I'm out of the woods yet, but it is certainly a big step in the right direction. I am grateful for your support & concern. Great job, team!

2013-10-17 10:48:01 -0400

According to letter from Nationstar's attorney (McCalla Raymer in Roswell GA, 1-800-845-8633), filing to begin eviction procedure is TODAY ... & still no response from Nationstar or attorney to my phone calls or emails. Now that they are back to work, I've also contacted (email) my Congressman, Rob Woodall (R - Georgia 7th District).

2013-10-17 06:34:30 -0400

Thanks to the Occupy Our Homes Atlanta team for this video!
http://www.youtube.com/watch?v=6G4kzrU3_GU&feature=share&list=UU1wm93zzd8xQH0jT2dD966A

2013-10-16 11:08:52 -0400

Again ... I have heard nothing back from Nationstar about the request to rescind the foreclosure sale & the clock is ticking at the attorney's office (McCalla Raymer in Roswell GA, 1-800-845-8633) with their intention to file for eviction tomorrow, Oct. 17.

2013-10-15 16:20:05 -0400

I have heard nothing back from Nationstar about the request to rescind the foreclosure sale & the clock is ticking at the attorney's office with their intention to file for eviction.

Other than that, several of the good folks at OOHA (Occupy Our Homes Atlanta) came to my home this morning & we filmed a press conference. I think that went well & I certainly hope it has some impact on this situation!

2013-10-14 09:52:00 -0400

Fri. 10/11/13 - I received a FedEx letter from McCalla Raymer (attorney for Nationstar & Freddie Mac) saying that my home had sold in foreclosure auction & that I had 10 days from date of the letter (Oct. 7) to choose either minimal relocation assistance or provide proof that I could rent back (at market value) my home. Otherwise, McCalla Raymer would proceed with eviction.

2013-10-14 09:49:46 -0400

Thurs. 10/10/13 - Arnita Trahan of Nationstar confirmed that my foreclosure was "on hold" per her records. But ... "on another system" at Nationstar, she noted that my home had been sold at auction. She assured me that she would personally expedite a request that the buyer's sale be rescinded. She also requested that I send her a copy of the letter from Nationstar confirming foreclosure postponement. I scanned & emailed it to her, asking for confirmation of receipt. As of this date (10/14) I have not received that confirmation. I also left a phone message for Ms Trahan asking for confirmation & have not had a response.

2013-10-11 14:57:03 -0400

1,000 signatures reached

2013-10-11 13:35:38 -0400

500 signatures reached

2013-10-10 08:46:08 -0400

In 2 letters from Nationstar this week: 1) Deed in Lieu had been denied & Michele Maldonado was my new "Dedicated Loan Specialist". 2) Foreclosure sale date cancelled & no future date scheduled.

Wed. 10/9 phone calls w/Nationstar notes:

Alonzo, who said my home had been sold & he couldn't help. He never heard of Michele Maldonado. He offered to connect to another department; the phone disconnected.

Justin Smith, who didn't know Michele Maldonado. He also said his records indicated that my home sold at foreclosure on October 1. He offered to transfer me to the REO (already foreclosed) Department. The phone disconnected.

Samantha Tully in Bankruptcy Dept., records indicated foreclosure had been postponed on Sept. 27, but re-instated on Sept. 30 & property sold on Oct. 1. (On hold for 20+ mins., listening over & over to "At Nationstar, we value your time & your business." UGH!!!)

2013-10-07 09:51:02 -0400

100 signatures reached

2013-10-07 07:55:38 -0400

The foreclosure sale on my home, scheduled for Tues., Oct. 1, has been postponed. Whew! some breathing room & time to negotiate ... hopefully. Please keep me & all those with housing struggles in prayers & good energy. Thank you.

2013-10-07 07:41:31 -0400

50 signatures reached

2013-09-27 14:24:08 -0400

25 signatures reached

2013-09-27 11:05:16 -0400

10 signatures reached