Archive for the 'consumer protection' Category

Hands off Deborah Harris’ home

UPDATE: Dawn Butler’s Eviction #oohdc #occupydc


Occupy Our Homes

Monday, June 4, 2012
12:00pm in EDT

Freddie Mac 325 7th St NW, Washington, DC 20004

After 23 years of saving lives as a Paramedic EMT with the DC Fire Department, and then getting seriously injured on the job, Deborah Harris just wants to have a quiet retirement. After her injury and surgery, Ms. Harris got behind on her mortgage, and JP Morgan Chase bank moved quickly to foreclosure, auctioning her home to Freddie Mac in Dec. ’09.

In 2011, Deborah stood her ground and fought back but Chase continued to ignore her so Freddie Mac went on requesting that the court evict her.

On June 4th at 12pm, Deborah, Occupy Our Homes DC and other supporters of Deborah Harris will rally at Freddie Mac to demand that they desist in their eviction efforts and for JP Morgan Chase to give Deborah a loan modification that will allow her to stay in her home. We will not accept these two institutions blaming the other one and letting Ms. Harris take the consequences. BANKS DON’T NEED HOUSES, PEOPLE DO

Please sign the petition to keep Deborah in her home:

Contact us at if you want to get involved or have any questions.

What Arne Duncan could do about studen loan fraud

Education Matters

1) The Secretary can discipline schools, lenders, guaranty agencies, and even discharge loans in response to certain situations.

2) If the Secretary does not think current regulations are adequate, he can issue emergency regulations to protect consumers.

Since Sec. Duncan admitted to needing to do better, here are some questions I have for him: what has he done in his year in office? How many schools, lenders, guaranty agencies has he disciplined in any way? Has he even explored the possibility of canceling borrowers’ debts for school or lender fraud?

If he has done any of this, it’s news to me. Trust me, if it’s been done, I’d be the first to let ya’ll know and praise Sec. Duncan!

Fight foreclosure, know your rights

Foreclosure Fraud

There are specialty foreclosure parts in most, if not all, of the counties in NY now. I know other states have special “land courts” to handle these kinds of cases. The idea is for the judges to develop expertise in the minutia of foreclosure and land recordation.

And it’s paying off. In a case where the demoralized homeowner did not even put up a fight and defaulted on a motion by the bank to foreclose upon her home, Justice Schack, in Deutsche Bank v Harris, that the person signing claiming to be an employee of MERS was the same person singing claiming to be an employee of the Bank. And that the Bank, MERS, and INDYMAC all claimed the same suite of offices in California to be their principal place of business. There are more cases just like this, and not just in NYS.

Now comes the revelation, that is a pool of names of individuals who have signed documents under oath, claiming to have assigned mortgages into various pools and trust under circumstances not credible on their face. Basically these individuals, and more cases are being identified every day, are claiming to Vice Presidents of multiple banks and other mortgage related entities, all at the same time. In reality, they appear to be low level clerks at a company called DOCX. Take a minute and go read this report and then for even more fun, go look at actual examples of these titles and signatures.

What does this mean? It means that banks, and the companies that they used to warehouse and process the mortgage documents backing their securities, either knowingly or negligently mishandled the documents and failed to actually transfer them into the trusts that back those securities. They acted as if they had. All would have gone well except that homeowners began to default and when the trusts went to foreclose, they found out that they don’t actually have the mortgages in their trusts. So, to cover it up, it appears that these document mills are fabricating missing documents, backdating documents, and doing assignments of documents after the time to lodge those documents in the trusts has long expired. In other words, they are committing fraud to cover up the fact that they failed to “perfect” their ability to foreclose.

Congress may be blind, deaf and dumb to the families needlessly made homeless, most prosecutors may be wringing their hands not knowing what to do—this latter part amazes me b/c you would think an ambitious prosecutor would love to become a populist hero by riding to the rescue of beleaguered homeowners—but, at least, bankruptcy judges and mortgage part and land court judges —perhaps because they are seeing so many boiler plate filings—have begun to smell the coffee.

Virtual shanty town

Foreclosure Hamlet

I have not checked this out, so cannot attest to the quality or integrity.

How IndyMac Bank stole a blogger’s house

The Bank Is Stealing My House THIS Monday

Swine capitalism

The swine flu scare was just the latest example of why an economic theory that mixes subsidization, consolidation and deregulation endangers us all.

PVC – The Poison Plastic

About PVC

PVC (polyvinyl chloride) plastic, commonly referred to as vinyl, is one of the most hazardous consumer products ever created. PVC is dangerous to human health and the environment throughout its entire life cycle, at the factory, in our homes, and in the trash. Our bodies are contaminated with poisonous chemicals released during the PVC lifecycle, such as mercury, dioxins, and phthalates, which may pose irreversible life-long health threats. When produced or burned, PVC plastic releases dioxins, a group of the most potent synthetic chemicals ever tested, which can cause cancer and harm the immune and reproductive systems.

Torturers still in power


Elena Kagan, Dean of Harvard Law School and nominee for Solicitor General, announced that she believes that the government has the authority to detain indefinitely terrorism suspects because the country is “at war” with Al Qaeda.

This is why we need war crimes trials, to show moral bankrupts like Elena Kagan that torture is wrong.

Advocates for Basic Legal Equality


Advocates for Basic Legal Equality, Inc. (ABLE) and Legal Aid of Western Ohio, Inc. (LAWO) are non-profit regional law firms that provide high quality, legal assistance in civil matters to help eligible low-income individuals and groups in western Ohio achieve self reliance, economic opportunity and equal justice.
Combined, ABLE and LAWO are the largest providers of free*, civil legal services in Ohio.

Our promise: to continue to respond effectively to the growing demand for legal services from low income people regardless of location, language, or disability.  Feel free to browse our site to learn more about the services offered by both ABLE and LAWO.

Disaster capitalism in progress

Mortgage modifications have turned into a disaster of epic proportions.