WELLS FARGO, I'M MOVING MY MONEY

 

Wells Fargo foreclosed and wrongfully evicted a disabled women by the name of Harolyn Rhue. Harolyn sustained a head injury,compromising her cognitive skills, in an accident several years back. Now, thanks to a wrongful eviction, Harolyn is also homeless.  The bank representatives along with the Los Angeles Sheriff's Department and Adult Protective Services arrive for the eviction.  They sat a disoriented, disabled women in a plastic chair on the curb as though she was a pile of garbage waiting for trash pick up.   Let me say that again.  They sat a disoriented, disabled women in a plastic chair, alone on the curb as though she was a pile of garbage waiting for trash pick up. To add insult to injury, Pasadena Weekly wrote an article regarding the foreclosure and eviction of Haroly Rhue.  http://www.pasadenaweekly.com/cms/story/detail/?id=12177 A spokesperson,GARY KISHNER for Well Fargo was quoted as saying:

Wells Fargo spokesman Gary Kishner said by email that "Rhue’s property is no longer of any concern to the bank."  

Well Gary, it is of significant concern to, we the people.  So, Occupy Fights Foreclosure is sponsoring a few events in honor of your uncaring eviction of Haroly Rhue.  Hope you can make it.  Or better yet, Gary Kishner, hope you make it to a plastic chair on the curb and trust me it will be of no concern to us.

 

THE AMERICAN DREAM

 

 

I met Rebecca recently through Facebook.  I read a comment Rebecca posted that was frightening and saddened me.  I don't remember exactly what she said but I vividly remember the desperation she expressed.  Rebecca expressed a fear that she would become homeless for a second time and she could not take it this time around.  We spoke via Facebook and as a result of our chance meeting, we agreed we would relay Rebecca's heartbreaking story. Thank you, Rebecca and Scott for standing up.  This is Scott and Rebecca's story. 

 

Scott and Rebecca enjoyed living in a beautiful home in Arizona for fourteen years. They are the your typical family, Dad, Mom, Daughter and pets.   There is something about Scott and Rebecca that makes them stand out. They are the type of people that will give you the shirts off their backs.  Remarkably, Rebecca donated one of her kidneys to save an other's life, the life of a stranger.   Their idyllic life was about to take a drastic turn, in a horribly wrong direction.  From one day to the next, they found they were living a nightmare, one they are not able to awake from.  

 

Their nightmare is called FORECLOSURE.  This is a phenomenon that is sweeping the nation.  Rebecca and Scott are extraordinary people but their foreclosure story is typical, peppered with betrayal, fraud and devastating consequences.     Both Scott and Rebecca work in the construction field.  The economic downturn chased them.  They knew they might face difficult financial times ahead but hoped that they would be able to pull out of it quickly.   

 

Scott and Rebecca always kept up on their loan, making additional payments towards their principal.  As the economy declined it adversely affected their employment.  Their problems were horribly impacted when they requested a loan modification from their servicer at the time, Aurora Loans Services.  Rebecca contacted Aurora Loan Services  and she was advised to fall behind on the payments in order to obtain a modification.  This was the first of many betrayals, or so Rebecca thought.  She would later learn that her loan was fraudulent from day one.  Scott and Rebecca fell behind on the payments as Aurora Loans instructed them to do.  During the modification process they were sent to foreclosure, unbeknownst to them.  They found out that they were in foreclosure when they received a short sale flyer for their home. Rebecca began Pro Se litigation which she was able to keep up for two years.  She discovered documents that showed Aurora Loan Services had sold her loan to Lehman and then to IBM Processor Services.  Promptly, she called IBM and was informed that they would not be able to assist her with a modification until her litigation with Aurora Loan Services was settled.  As time passed Rebecca discovered that her home was really sold to Fannie Mae in 98. She included them in the litigation.

 

During the two year Pro Se litigation, her case saw five judges.  When approaching a favorable decision for her case, in came a new judge.    Rebecca began contacting President Obama, Senator John McCain, Senator Russell, Senator Kyle, The Office of Thrift and Supervision, FTC, HUD, Fannie Mae, Aurora Loan Services, Mayor of Gilbert, AZ, News Station and Governor Jan Brewer of AZ just to name a few, but to no avail.

 

Rebecca determined she needed to have an attorney to begin appeal process.   She obtained legal counsel.  During a four hour period, Rebecca and her Daughter picketed a court house auction of her home and they were able to thwart the sale.  Rebeccca and Scott began to run out of money after several months.  She could no longer afford to fight the foreclosure and Fannie Mae took her home.  Rebecca the foreclosed homeowner and the Pro Se litigator just became, Rebecca the activist. 

 

Rebecca and Scott moved their family to a rental home. Thinking the worst was behind them as they started off on a new journey.  Finally, things would return to somewhat normal.  Rebecca began seeking others that would be her companions in foreclosure activism.  She was determined to stop any sale of her old home and speak up on behalf of others.  Rebecca was fearless, after all, they couldn't take her home, they had already done that.  Her activism was placed on hold momentarily while she was sent into another tailspin.  Rebecca came to find out the rental home they had just moved into, was in short sale.   While Scott paid the homeowner rent, the homeowner stopped paying the mortgage and lost the home to foreclosure.  Where did that leave Rebecca and Scott?  Homeless. 

 

Callous, greedy banks foreclose on more and more homes leaving devastation in their wake.  The courts system has no concern siding with the banks in this heinous crime.  We have yet to see banker charged, be sent to trial and much less be imprisoned.  The government must take a proactive stand on behalf of homeowners.  Another disheartening point we have yet to see. 

 

The government sold us the "American Dream," homes for everyone.  The American Dream is quickly becoming the homeless nightmare. 

 

http://www.change.org/petitions/save-234-e-heather-ave-az-85234 

 I have attached Rebecca and Scott's petition to save their home.  Please read, sign and share this petition with your friends, family and neighbors.  Thank you.

FORECLOSURE VS ADVERSE POSSESSION ......SWEET

Bank of (America) Antichrist called.   EURICE one of the devils spawns asked what I planned to do about my loan.  Modify my loan.   I explained the debacle that created this mess to begin with.   The devil’s spawn, EURICE again asked what I planned to do with my home.  Modify it, clearly she did not understand.  The devil’s spawn mumble something to the effect of “modification is not a guarantee.”   At which point I expressed my disappointment with Ken Lewis, Brian Moynihan and that ugly women, Barbara Desoer suggesting they be imprisoned.   That probably did not sound good on the Bank of Antichrist “recording.”

Again EURICE asked what I planned to do.  So I said, well I have so many options.  I can let you foreclose, I can file for bankruptcy, I can short sale, I may set up Occupy My Condo………or……most likely, I may take ADVERSE POSSESSION of a home that Bank of Antichrist foreclosed on.   “I will not take adverse possession of an $81,000 condo but I will take adverse possession of a $400,000 or $500,000 home.”  I figure it is only fair that if Bank of Antichrist takes my home from me, I will take adverse possession of one of their expensive homes.  I am not recommending this as it may not fit your style.  But if you are interested in adverse possession please check with a lawyer regarding the laws in your state so you are in compliance and are able to make an impact on Bank of Antichrist.

ADVERSE POSSESSION:   A method of gaining legal title to real property by the actual, open, hostile, and continuous possession of it to the exclusion of its true owner for the period prescribed by state law.  Title to land is acquired by adverse possession as a result of the lapse of the Statute of Limitations for Ejectment, which bars the commencement of a lawsuit by the true owner to recover possession of the land. Adverse possession depends upon the intent of the occupant to claim and hold real property in opposition to all the world and the demonstration of this intention by visible and hostile possession of the land so that the owner is or should be aware that adverse claims are being made.   Adverse possession consists of actual occupation of the land with the intent to keep it solely for oneself. Merely claiming the land or paying taxes on it, without actually possessing it, is insufficient. Entry on the land, whether legal or not, is essential. A Trespass may commence adverse possession, but there must be more than temporary use of the property by a trespasser for adverse possession to be established. Physical acts must show that the possessor is exercising the dominion over the land that an average owner of similar property would exercise. Ordinary use of the property—for example, planting and harvesting crops or cutting and selling timber—indicates actual possession. In some states acts that constitute actual possession are found in statute.  The Free Dictionary by Farlex 2012

So EURICE, you see I have a plan.  You should have one also, like resign your position as one of the devils spawns because ultimately, Bank of Antichrist will have to answer to lawsuits, the government and the public.  We can’t wait!     

BANK OF AMERICA LEAVES CHILDREN HOMELESS

OCCUPY SAN FERNANDO VALLEY AT FORT HERNANDEZ

Another Bank of America travesty of justice is playing out in a San Fernando Valley foreclosed home.  Ulises Hernandez requested several modifications on his loan.  Typically, Bank of America that continues doing business as usual painfully foreclosed on the Hernandez family home.   The family has chosen to fight against Bank of America. 

The Hernandez family refuses to leave their home and has created FortHernandez.  You can find them on Facebook at www.facebook.com/OccupySanFernandoValley.  Please support them. They have been in “occupy mode” for fifty three days and counting. 

The Hernandez family has been subjected to “visits” by code enforcement and the department of Children and Families.  They have been arrested.  It is illogical that Bank of America has committed fraud and the culprits, their employees, were not imprisoned.  The Hernandez family is facing harassment only because they want a modification on their beloved home and they refuse to be quieted or intimidated.

    

Please call the predator banksters below to ask them for a modification for the Hernandez family.

DEBRA HABER 1-877-471-4367 ext. 034581

KAREN ARAKELIAN   1-213-345-2684

Bank of America could easily have given the Hernandez family their modification instead they were denied.  DEBRA HABER and KAREN ARAKELIAN you are responsible for a homeless family.  BANK OF AMERICA......These beautiful little girls are homeless because of your callous business decision.   

FORECLOSURE THE NEW “F" WORD

This era has seen its share of the “F” word.  When I say this, I am referring to “foreclosure.”  The new "F" word has become so popular that everyone knows someone that has fought or is currently fighting foreclosure, the new "F" word.   Sadly enough we will continue to see the “F” word until our elected officials hold accountable and imprison Bank of America’s Brian Moynihan, new CEO, Ken Lewis, Retired CEO and their bankster cronies.  Then we can go back to using the old "F" word but now that I think of it, when I see either of their pictures, I really want to say the old “F” word.    

KEN LEWIS AND BRIAN MOYNIHAN

FINANCIALLY SUPPORTING YOUR OWN FORECLOSURE ?

My mortgage is held by Bank of America.  My personal checking, savings and my husband’s business (now closed) accounts are with Bank of America.   The same bank that holds my mortgage and my bank accounts  was found guilty of committing fraud (MERS) and more personally, fraud against me.  

I am financially supporting Bank of America's fight against me.   When I deposit my money into my accounts at Bank of America they use my money to pay for MERS, refuse to modify my loan (and yours) and ultimately take my home. 

Do the words modification and foreclosure pain you when you hear them?  Is your mortgage company and bank one in the same?  If you answered yes, please stop and analyze the following situation.   You are giving your predator enemy money to use against you in their plans to take your home away from you.   You would not give a thief the keys to your home or car as the thief will use them to rob you.  Your mortgage company is doing exactly that.   Bank of America is taking homes from homeowners and we are funding them by depositing money in their bank.  In my case I am funding a felon institution and my worst enemy to take my home away from me. 

BANK OF AMERICA, LISTEN CAREFULLY, I REFUSE TO BE YOUR VICTIM.  I WILL UTILIZE MY FIRST AMENDMENT RIGHTS TO SPEAK OUT AGAINST YOU.  I WILL NOT BE QUIETED BY FEAR, INTIMIDATION OR HUMILIATION.   I AM CLOSING MY ACCOUNTS AT BANK OF AMERICA.  I URGE EVERYONE THAT IS READING THIS TO DO THE SAME.  

Thank you for reading.   

Stand Strong Against Foreclosure Eviction

FORECLOSURE.   If this word sounds all too familiar to you please take time to tell your story to the world by leaving a comment on this site.  This blog is an attempt to bring attention to the injustice that plays out on a daily basis at predator banks, such as BANK OF AMERICA.  Your Big Bad Bank and its employees may have a different name or title but if you are trying to save your home from foreclosure, I can guarantee you are facing the same unfair, uneven playing field that millions of others agonize over daily.

Are you in the midst of losing your home to foreclosure?  Have you repeatedly tried to save your home to no avail?   Foreclosure and modification are painfully synonymous these days.  We need a resounding voice and a platform to stand up against all the Big Bad Banks that pursue foreclosure over modification resolution.   These predator banks were bailed out but we the homeowners were not.  Big Bad Banks are ruthless and abusive in regards to making decisions that ultimately could leave you homeless!  They are fully aware, that as homeowners we are easily quieted and taken advantage of.  We are small, financially challenged, emotionally drained and anguished by the fear of losing our homes.

We have a human story that must be told and a voice that will be heard.  We must speak up to bring attention to this terrible injustice.   Please join in spreading the word through all social media avenues that are available.  Name your bank and call out the employees that are jeopardizing your well being.  They rest at night, enjoy outings and have status in their communities.  Hold them publicly accountable.  Make their friends, family and community aware of the damage and hardship they causing.   Stand up, speak out and be heard.  There is power in numbers and together we can make a difference!

Death, divorce and loss of income lead me to request a refinance. Declined, “not making enough.”  I requested a modification, again BANK OF AMERICA declined, “making too much.”  Ran behind on my mortgage so I cashed in my 401K and two days after I got up to date, BANK OF AMERICA foreclosed on my home.  Their third party administrator or servicer failed to notify them in time.   I begged, pleaded, fought and tried to reason with everyone at BANK OF AMERICA.   They received the money; cashed the checks but it was not applied to the account and would not be.  I was losing my home.  MERS bit me, I was robo-signed.   I qualified for the US Department of Justice (DOJ) and State Attorney General global settlement program against BANK OF AMERICA. I applied for the DOJ program through CARLOS TORRES at the Dadeland office.   I was declined, "not enough money." I was unable to reach my Relationship Manager, LESLY RABOUIN (Ft. Lauderdale office) for two weeks. TASHA with BANK OF AMERICA called asking that I bring my mortgage up to date.    I explained that BANK OF AMERICA and I had the perfect opportunity for a relationship, they wanted money and I wanted to keep my home.  Please modify I insisted.   Sadly we could not reach an agreement.  TASHA sent an email to LESLY RABOUIN and he finally returned my calls.   Polite, well-spoken and seemingly knowledgeable, LESLY RABOUIN is very much in control of my destiny.   That is of no comfort.

BANK OF AMERICA fraudulently subscribed to “MERS” and ROBO sign foreclosures and they are not obligated to reverse the decision.   If we conspired to deceptively take someone’s home from them, there is no doubt in my mind that not only would we would be facing a jail term but the government would not bail us out!  So I propose all top bank officials, middle management and their underlings that participated in illegally foreclosing on homes, be jailed.

The bank bailout was myopic indeed.   No accountability, just free money for all.  For every foreclosure that takes place and modification or refinance that does not get approved, a fine should be levied against the predator banks that took government money and did not help anyone but themselves.  Shame on you BANK OF AMERICA and all your cronies at the other BIG BAD BANKS!