Homeowners and Citizens

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American homeowners never find a collection of media representatives on our doorsteps, wanting to print or broadcast whatever words we speak concerning the injustice facing ourselves and other struggling American homeowners.  Most media outlets have been busy for the past few years, treating as gospel, every word released by Wall St., by politicians, by the mortgage servicers and by Fannie Mae.  The mortgage servicers who may have foreclosed upon our homes, with no authority or power of sale to do so, must not be confused with the investors, groups of investors and pension fund participants who actually may have the power and authority to work with us to correct egregious servicer fruad and abuse.  Those investors, groups of investors and pension fund participants are also being defrauded.  Homeowners, our time has come to add honesty and integrity to a national narrative, that has been wrongfully exploited, for far too long.

Stories from Homeowners and Citizens

Monday, November 18th, 2013

At an informational session on September 21, 2013, Attorney Corey Allard delivered a detailed history of the “foreclosure settlement program” in Rhode Island. Below are the series of documents that explain the establishment of the program by Judge McConnell, the appointment of Merrill Sherman as Special Master, and where the program stands now that the “Stay” preventing the Banks to foreclosure on homeowners has been lifted. To view the documents click on the "here." highlighted in red.

http://stellionata.com/in-the-news/8539-documents-detailing-history-of-f...

Thursday, October 24th, 2013

Wells Fargo Promised To Modify Pick-A-Payment Loans As Part Of A Class Action Settlement In 2011. Since That Time Wells Fargo Has Been Foreclosing On The Elderly And Disabled. It Focused Its Foreclosure Activities On The Elderly And Disabled Who Had Pick-A-Payment Loans With Wells Fargo Using The Settlement Agreement As A Shield.  Today Wells Fargo Refused To Help Ms. Kilgore, An Elderly Woman With Advanced Copd Who Is Oxygen Dependent. Wells Fargo Refused To Pay Her As Part Of The Class Action Settlement Or Modify Her Loan.

http://start2.occupyourhomes.org/petitions/justice-for-ms-kilgore

Thursday, October 17th, 2013

Two activists who have been on the front lines of the battle against Wall Street's predatory practices confronted two of the world's wealthiest and most powerful financial titans -- BlackRock CEO Laurence Fink and PIMCO founder William Gross -- on Tuesday, pressuring them to discuss their corporations' attack on the working class families of Richmond, CA who are trying to salvage their lives and their homes from the disaster of foreclosure. The activists were calling on BlackRock and PIMCO to negotiate the sale of troubled loans to the city of Richmond, so that the loans can be fixed and foreclosures can be avoided.

http://www.commondreams.org/view/2013/10/05-1

Monday, October 7th, 2013

Little Voices - Big Impact! We're Not Alone We are all wonderfully different in this fight, and that's why we are slowly pushing forward...we all have our own ways of fighting this, but the goal is the same - uncover the truth and ask for justice. The cost of inaction is always much higher than any road blocks that we’re facing when we decide to act and deal with the issues in front of us. Foreclosure Fraud Survivors DISCLAIMER I am not an attorney and I am not engaged in rendering legal advice. It’s my opinion and advice, not counsel. I’m just one of many homeowners in my quest for the exit from this mortgage mess we found ourselves in. Everything I say is based on my own experience or on the experience of people who shared their stories with me. I am not responsible as an “expert” and for what you do with my advice and knowledge.

http://www.blogtalkradio.com/senkalive

Thursday, October 3rd, 2013

Tenants Together is a nonprofit organization dedicated to defending and advanci ng the rights of California tenants to safe, decent and affordable housing. As California’s only statewide renters’ rights organization, Tenants Together works to improve the lives of California’s tenants through education, organizing, impact litigation a nd advocacy.

In 2011, Tenants Together continued to lead efforts to mitigate the impact of the foreclosure crisis on tenants. In addition to our policy work, Tenants Together engaged in extensive outreach to tenants in foreclosed properties, with members going door - to - door to educate neighbors about their rights. Tenants Together members in the city of Merced passed the Central Valley’s first tenant protection law. The law bans post - foreclosure evictions of tenants without cause.

http://tenantstogether.org/downloads/4th%20Annual%20Report.pdf

Thursday, September 19th, 2013

In light of recent whistleblower allegations from former employees detailing Bank of America’s purported loan modification and foreclosure abuses, protesters descended upon a downtown Chicago branch Tuesday.

Organized by Action Now, two members of the grassroots community organization sought loan modifications from bank officials while a gathering of roughly two-dozen protesters marched and chanted outside.

“We’re trying to put pressure on the bank to do what they’re supposed to do — they’re supposed to help homeowners,” said Tim Rivard, foreclosure outreach coordinator for Action Now. “If we get the bank to start working with us, or working with people who are in trouble with their mortgages, this could set a good precedent.”<--break->

http://www.progressillinois.com/quick-hits/content/2013/07/09/bank-ameri...

Friday, September 13th, 2013

Evidence of families in turmoil is commonplace in our profession. We enter the scene only when the economic and emotional smoke has settled, and the protagonists are long gone. With the sheer volume of homes that we service, it can be easy to slip into autopilot, do the jobs, and not think about it.

Not when we see things like this.

In case you can’t see the photo well, it reads “Dear new owners, please take care of our house. Love, Abi. Goodbye house! I love you! Love, Abi.”

http://www.duallservices.com/uncategorized/a-childs-perspective

Friday, August 30th, 2013

Protesters took to a downtown Bank of America branch and Fannie Mae’s corporate offices in Chicago Tuesday to urge one of the nation’s largest home mortgage servicers and the largest home mortgage investor to change their lending and foreclosure policies.

The financial institutions, protesters allege, are servicing predatory mortgage loans and pushing homeowners into foreclosure in order to make a profit.  

“These banks that are too big to fail are causing havoc in our communities,” said Toussaint Losier, vice chairman of the Chicago Anti-Eviction Campaign (CAEC), who helped organize the event.

http://progressillinois.com/posts/content/2013/08/21/protesters-call-fan...

Wednesday, August 28th, 2013
 
The Take Back Your Home Coalition and the undersigned organizations write to encourage the Foreclosure Task Force to do more to help homeowners in and at risk of foreclosure in Prince George’s County. The Take Back Your Home Coalition is a group of community organizations that address foreclosure issues in Prince George’s County, including Housing Options & Planning Enterprises, Inc., the Public Justice Center, the Coalition for Homeownership Preservation of Prince George’s County, the Was hington Lawyers’ Committee for Civil Rights and Urban Affairs, and Take Back Your Home of the American University Washington College of Law. The Take Back Your Home Coalition’s goal is to empower citizens affected by foreclosure to preserve their homes an d communities through a combination of grassroots organizing, outreach, housing counseling, and legal education.
 
Friday, June 28th, 2013

Foreclosure mills have recreated deeds and mortgage documents out of thin air and used them to steal people's homes. The San Francisco Assessor Recorder's audit proved that 99% of foreclosures had questionable documents and 84% had clear violations of law. You have a letter from Los Angeles County Recorder Dean Logan saying he believes the illegal activities described in that audit are systemic and common throughout California, including Los Angeles County. That letter was delivered to you March 9, 2012, over a year ago. You received on your desk last month 18 cases from Home Owners for Justice of criminal acts committed by Recontrust Company of forged, altered and fraudulent documents proven to have been recorded into county records in violation of the Homeowners Bill of Rights. Where are the indictments?

Whatever your reasons are that no prosecutions have gone forward against the big banks for mortgage fraud, we are here today to say that those reasons are not good enough. 

http://www.occupyfightsforeclosures.org/letter_to_kamala_harris

Monday, May 27th, 2013

Independent Foreclosure Review (IFR) Homeowners, AKA 'National Foreclosure Crime Scene Casualties', Please Share Your Experience, Learn More, Inform Others, Connect With Others, Become Involved, Be Heard, Spread The Word....

Big Banks And Their Ally's, Our Homes They Did Steal -- We Must Now Let Them Know, That Due Process Is Real -- Bank Cops Let Us Down, To Them We Don't Matter --  So Let's Shake Them Up, With The Sound Of Our Chatter -- When Our Voices Are Heard, And Wrongs Have Been Righted -- The Nation Will See, We Are Not To Be Slighted

Read Foreclosure Review Crime Scene News >>>>

Share Links, Information And Personal Experiences Using The Twitter Hashtag #ForeclosureReview >>>>

Read "Voices of the Harmed Borrowers on Rust Consulting" at Naked Capitalism >>>>

Thursday, May 23rd, 2013

After a year-long journey fighting her wrongful foreclosure, Rose McGee has won a settlement with CitiMortgage and Fannie Mae to stay in her home.

“We are working on final details for a settlement resolution, and I will be staying in my home,” said Rose. 

70 community members gathered to support Rose in a prayer vigil circling the Government Center water fountain Tuesday afternoon before she went into settlement court, where she finally reached a deal with CitiMortgage and Fannie Mae.

http://www.occupyhomesmn.org/rose_victory

Monday, May 13th, 2013

Independent Foreclosure Review (IFR) Homeowners, AKA 'National Foreclosure Crime Scene Casualties', Please Share Your Experience, Learn More, Inform Others, Connect With Others, Become Involved, Be Heard, Spread The Word....

Big Banks And Their Ally's, Our Homes They Did Steal -- We Must Now Let Them Know, That Due Process Is Real -- Bank Cops Let Us Down, To Them We Don't Matter --  So Let's Shake Them Up, With The Sound Of Our Chatter -- When Our Voices Are Heard, And Wrongs Have Been Righted -- The Nation Will See, We Are Not To Be Slighted

Read Foreclosure Review Crime Scene News >>>>

Share Links, Information And Personal Experiences Using The Twitter Hashtag #ForeclosureReview >>>>

Read "Voices of the Harmed Borrowers on Rust Consulting" at Naked Capitalism >>>>

Register Your Independent Foreclosure Review (IFR) Complaint To Ensure That It Is Included In The Consumer Financial Protection Bureau (CFPB) Consumer Complaint Database >>>>

Read "Naked Capitalism: Launching Our First (Free) Ebook on the OCC/Fed Foreclosure Review Fiasco" >>>>

Tell Your Story At The Consumer Financial Protection Bureau (CFPB) web site and be sure that you "Tag Your Issue" as "Mortgage, Independent Foreclosure Review, IFR" >>>>

Wednesday, May 8th, 2013

The national foreclosure crisis was encapsulated in a warm, windowless room serving this week as the venue of the San Francisco Employees' Retirement System's board meeting, where Wells Fargo's lending and foreclosure record was the focus of debate.

During almost three hours of public comment and board-member discussion, the board considered whether to use their holdings in Wells Fargo and other big banks to influence the banking industry's behavior. 

http://www.bizjournals.com/sanfrancisco/blog/2013/04/wells-fargo-foreclo...

Wednesday, April 24th, 2013

After my husband passed away, it became a struggle to pay my house note. I reached out to my bank to see if I could lower my monthly mortgage payments. Under the advice of several CitiMortgage representatives, I stopped paying my mortgage so I could apply for a loan modification. I was told to ignore the notices and that the modification process was underway. After months of calls and forms faxed, re-faxed and faxed again, I received a notice that my home had been foreclosed. I soon learned that I had lost my home due to a deceptive practice called “dual-tracking” where banks continue to foreclose on homeowners even while our applications for loan modifications are under consideration.

https://www.change.org/petitions/remove-fraudulent-mortgage-foreclosure-...

Tuesday, April 23rd, 2013

Finally, your representative Severson and Werson, APC - has filed a wrongful Workplace Violence lawsuit against the Roziers. We hold you responsible for the infringement on their Constitutional Rights, especially their 2nd Amendment Right. How dare you demand they GIVE UP THEIR GUNS simply because they threatened to put your lawyers in jail. You can can take away their guns, but you have not taken away their POWER. They get that from the PEOPLE. Make it right. Cancel the rescinded loan. Record the proper DOT. Compensate the Roziers for the problems you've caused through trying to cover up your (and your predecessor's) mistakes. Do it today.

Make it right. Cancel the rescinded loan. Record the proper DOT. Compensate the Roziers for the problems you've caused through trying to cover up your (and your predecessor's) mistakes. Do it today.

http://start2.occupyourhomes.org/petitions/keep-the-rozier-s-in-the-home-they-built

http://libertyroadmedia.wordpress.com/2013/04/15/judge-orders-guns-taken-from-woman-fighting-foreclosure/

Friday, April 19th, 2013

My husband, William, was diagnosed with end stage kidney disease in 2010. He lost his job and health care coverage shortly afterwards. Facing increased health costs and lower income, we fell behind in our mortgage payments. My husband never missed a single payment until his prescriptions, doctor appointments, hospitalizations, lab tests, etc overtook everything.

Now that we are in a position to continue to make regular mortgage payments, Bank of America has told us that they won't work with us unless we can come up with $15,000 at once. The bank is now planning to sell the home we live in with three of our six sons this coming May.

https://www.change.org/petitions/bank-of-america-offer-a-disabled-vet-an...

Wednesday, April 17th, 2013

As most of us in Nevada are, in spite of the fact I put 20% downand have never refinanced I am underwater onmy Reno home and am in danger of foreclosure. I have applied several times these last 3 years to get a Loan Modificationfrom Scrooge, with no success. Santa, for this Christmas I want to keep my home.

http://www.scribd.com/doc/116267815/Dear-Santa-All-This-Female-Disabled-Veteran-Wants-for-Christmas-Is-To-Keep-Her-Home

Tuesday, April 9th, 2013

After a public pressure campaign through Occupy Homes MN’s Foreclosure and Eviction Free Zone, Gayle Lindsey, a nursing assistant and grandmother in South Minneapolis who was facing imminent eviction, has won a modification of her mortgage from M&T Bank. Gayle’s victory came marks the seventh for Occupy Homes MN and the first in the Foreclosure and Eviction Free Zone, a project that brings neighbors in the Central and Powderhorn neighborhoods together to refuse to leave their homes without a fair negotiation.

Gayle, whose renegotiation came a month after her redemption period ended, is the first victory in “the Zone.”  With the help of Occupy Homes MN, she organized a series of actions, community potlucks, and press appearances.  Gayle got a call sitting at her kitchen table from an executive at M&T Bank, who offered to write Gayle a new affordable mortgage.  “It shows that Occupy Homes MN works,” says Gayle. “I want to move on to more victories for the community.”

http://www.occupyhomesmn.org/gayle_victory

Friday, March 22nd, 2013

These petitions address the ongoing foreclosure crisis facing the country. Homeowners have created these petitions to stop the foreclosure process on their homes and address the policies that have fueled the crisis.

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My husband, William, was diagnosed with end stage kidney disease in 2010. He lost his job and health care coverage shortly afterwards. Facing increased health costs and lower income, we fell behind in our mortgage payments. My husband never missed a single payment until his prescriptions, doctor appointments, hospitalizations, lab tests, etc overtook everything.

https://www.change.org/campaigns/foreclosures