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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

Open Letter To California Attorney General Kamala Harris on Two Year Anniversary of Her Mortgage Fraud Strike Force
Homeowners and Citizens
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

Big Banks And Their Ally's - Our Homes They Did Steal
Homeowners and Citizens
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 >>>>

VICTORY! Rose McGee wins settlement to stay in her home after year-long foreclosure battle
Homeowners and Citizens
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

Big Banks And Their Ally's, Our Homes They Did Steal
Homeowners and Citizens
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" >>>>

Wells Fargo, foreclosure activists face off at San Francisco city meeting
Homeowners and Citizens
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...

Remove Fraudulent Mortgage Foreclosure Information from Consumer Credit Reports
Homeowners and Citizens
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-...

Dear U.S. Bank,
Homeowners and Citizens
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/

Petitioning Brian Moynihan: BofA Offer a disabled vet and his family an opportunity to stay in their home
Homeowners and Citizens
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...

When a Veteran is in need, just say yes. Disabled female veteran plea to keep her home.
Homeowners and Citizens
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

VICTORY! South Minneapolis Grandmother Wins Loan Modification
Homeowners and Citizens
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

Foreclosure Petitions
Homeowners and Citizens
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

PETITION: Senator Elizabeth Warren Says, Give Richard Cordray (CFPB) an Up-or-Down Vote
Homeowners and Citizens
Thursday, March 21st, 2013

SIGN THE PETITION, ASK OTHERS TO SIGN AS WELL AND ALSO SPREAD THE WORD

The Consumer Financial Protection Bureau is working to level the playing field for working families and stop the tricks and traps of the credit card, mortgage and student loan industry.

But Republicans and much of the financial industry have done everything they can to keep the Consumer Financial Protection Bureau’s director, Richard Cordray, from being confirmed.

For two years, they’ve held his vote hostage unless the Senate would agree to weaken the agency and limit its ability to hold the big banks and credit card companies accountable. They don’t want to see strong enforcement of our laws, plain and simple.

Sign my petition and let the Senate know: We want an up-or-down vote for Rich Cordray now.

http://my.elizabethwarren.com/page/s/richardcordray

A new interview of Soly Corona was recently aired
Homeowners and Citizens
Wednesday, March 20th, 2013

On Dec. 14, 2009, MERS sold her home to Bank of America's BAC Home Loans Servicing LP, formally known as Countrywide Home Loans, for $9 per the LA County Assessor's records after approving her for a loan modification and holding both her payment and her completed application.

On Dec. 14, 2012, Bank of America and the LASD, Los Angeles County Sheriff's Department evicted her family.

On Dec. 23, 2012, the Corona family together with Occupy Fights Foreclosures reoccupied her family's home.

On Jan. 21, 2013, the LAPD, Los Angeles Police Department evicted Soly's child while Soly was out of town. They had no jurisdiction to evict her family but kept her family out by pressuring with a potential arrest by trespassing her own property.

http://www.occupyfightsforeclosures.org/soly_corona_interviewed_during_a...

Wells Fargo: Stop the foreclosure on a stage 4 cancer victim's home
Homeowners and Citizens
Tuesday, March 19th, 2013

Cindi Silvers Davis and her husband, have tried very hard to work with their bank, Wells Fargo, but they say they have been mislead, they have been treated poorly, and now Wells Fargo is trying to put an advanced stage cancer victim out on the street.

Cindi has been a friend of mine for over five years. She lives in Mount Holly, North Carolina with her husband of 20 years, Kirk, and her 7 Special Needs pets, including her Deaf Service Dog, Katie. Cindi has fought breast cancer since 2008 and unfortunately, she's progressed to Stage 4 Breast Cancer. Cindi is such a caring person, she even volunteers for a charity to help people who have lost their jobs and homes care for their pets. Now, it's time for people to care for Cindi and show their support.

https://www.change.org/petitions/wells-fargo-stop-the-foreclosure-on-a-s...

Occupy Fights Foreclosure Moves Family Back Into Home for the Holidays
Homeowners and Citizens
Thursday, January 17th, 2013

On December 14, 2012 Bank of America breached their promise to our country that there would be no evictions during the holidays and evicted Soledad Corona, a single mother with a teenager, at gun point. In response, Occupy activists will help the mother to take back her house because Bank of America has failed to provide an explanation of this breach to their representative.

Soledad will then be joined by community members and barricade themselves to demand attention and justice to their case until the home is returned to the rightful owners: the Corona family.

Occupy Fights Foreclosures, a subcommittee of Occupy LA, is dedicated to end the bank abuse against home owners, the families, and the communities in which they live.

http://occupyourhomes.org/blog/2012/dec/24/occupy-fights-foreclosure-mov...

Volunteer To Help Chicago Familes Stay In Their Homes
Homeowners and Citizens
Tuesday, January 15th, 2013

An opportunity to Reach Out to people on the South, West and North Sides about the Anti-Eviction and Anti-Foreclosures campaigns in action to stop banks from turning homes/property into assets and reverse the cycle by transforming them into community resources and family homes!

VOLUNTEER TO HELP CHICAGO FAMILIES STAY IN THEIR HOMES

On the Dr. Martin Luther King Jr. Holiday, Chicagoans are reaching out to help families facing foreclosure. Join neighbors and other volunteers to help keep families in their homes. here are the locations:

http://action.2013pic.org/page/event/detail/4v7k5

US Senator-Elect Elizabeth Warren: You Go Girl !
Homeowners and Citizens
Thursday, November 22nd, 2012

Reform the Filibuster

Far too often, we've seen good ideas stall in the Senate because a single Senator can stop everything without a single word uttered on the Senate floor.

In a few short weeks, we can reform the filibuster. But it won't be easy. And it's going to require that the American people speak with one, clear, loud voice.

Take action now: Tell the Senate to fix the filibuster.

Thank you.

http://www.reformthefilibuster.com/warren/

Wells Fargo: Don't break the law
Homeowners and Citizens
Friday, November 2nd, 2012

Wells Fargo and the Orange County Sheriff’s Department pulled a gun on a sick cancer patient, my good friend Niko Black, and evicted her from her home in California -- in violation of a court order saying she could stay put.

That’s right -- my friend Niko, who is fighting breast cancer and has struggled with numerous health problems over the years, was illegally evicted at gunpoint, as she struggled to pull herself into her wheelchair.

Niko has owned her home for almost 20 years -- and has lived there since she was a child. She never even had a mortgage with Wells Fargo, and has entered into a civil suit around the fraud they have perpetrated against her, fraud that goes back many years. After she filed bankruptcy, the court sided with Niko and put a stay on Wells Fargo’s eviction.

http://www.change.org/petitions/wells-fargo-don-t-break-the-law-leave-ca...

10/29: Protest US Bank; Foreclosure Occupation Continues
Homeowners and Citizens
Tuesday, October 30th, 2012

Join Occupy Denver and Idaho Springs homeowner Sahara Donahue in defending her home against eviction by U.S. Bank. Sahara has been defending her right to her home of 24 years through court battles dating back to December of 2010. During that time, her mortgage has changed hands multiple times, leaving an undocumented and illegal trail of title transfers that give her the legal basis to challenge within the courts. Having recently lost her lawyer in the case, she received a summary judgment in U.S. Bank’s favor and is now facing immediate eviction. Sahara reached out to Occupy Denver through the Colorado Foreclosure Resistance Coalition. She is asking for 60 days in which to move with dignity. Occupy Denver has set up an occupation to defend her right to remain long enough to find a new home and to move safely from her small mountain community in Idaho Springs, where she has been an active volunteer and close friend to the residents there.

http://occupydenver.org/1025-stop-a-u-s-bank-foreclosure-action/

Occupy Chicago and Overpass Light Brigade Participate in Anti-Eviction / Foreclosure March
Homeowners and Citizens
Friday, October 19th, 2012

Chicago, IL - 14.5 million homes and an even greater number of families have been unjustly forced from their homes since the beginning of the financial meltdown (2007). Banks have used unethical (robo-signers) and draconian methods (predatory lending) to rip families from their homes exacerbating an already dire housing market. The fight-back against these ruthless practices has begun, led by the Occupy Wall Street Movement (Occupy Our Homes). Occupy Chicago and the Overpass Light Brigade (OLB) took part in a joint action Monday night to raise awareness of the backlash against these unethical institutions, who have unfairly profited on the backs of American families.

http://occupyriverwest.com/us/occupy-our-homes