Great, short sales, walk aways etc. Dont matter because we all need help.
Bumper stickers, great idea!!
Great, short sales, walk aways etc. Dont matter because we all need help.
Bumper stickers, great idea!!
Best Regards,
Maurice Bedard
Founder of LoanSafe.org
DISCLAIMER: The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.
I'm in, too. Although our modification has been going quite smoothly (Nationstar), I will speak out against the other "big banks" on not only the home loan mod mess but the credit card abuse as well...
Good one...!Originally Posted by Do not want to lose it
We need bumper stickers.
ABOUT TO LOSE YOUR HOUSE? Join loansafe.org
How about another-
"Don't want to live in a tent city? Join loansafe.org"
Currently I am a full time student and have time to spare-meaning I can volunteer anyway needed. I am not the best writer but am good at research.
What a task! We need leaders with great character and personality, I've have read threads with lost of potential candidates. Most in here will follow you guys. We need an agenda, objectives, goals.
How strong can we get? How many active members? Funds or donations? Physical presence activism? a march?
I am in CA
dealing with CHASE
Thanks Moe!
How can we take the first step? How to accomplish a better comunication to organize these groups? To regroup members with contacts, skills or knowldege to get a better classification of potential leaders? Many of us have never done this before.. but we are willing to devote efforts.
Count me In! Let me know what you need from me.
If Moe had LoanSafe.org bumper stickers made would you be willing to buy one to help the cause?
It took me sometime to read this thread because I thought the site was down but YOU BET I'M IN!!!!
We need to stop them and we need to stop them NOW! Soon it's going to be 1 year since this "super" program started. It has taken over 6 months for the banks to "implement it" and with only 2 years that we have to apply for this program (taking over 10 months for collecting the information according to the few successful stories we read here) and no actual and accountable flowing of "HELP", REAL FINAL loan modifications are not bound to happen. Most people who really need it are losing EVERYTHING and somebody is making a lot of money. That is what should be considered LEGAL corruption and a government supported rip off!
I can almost see the newspapers reporting that the banks and the government claimed they tried very hard but the time was up and if you didn't apply, you missed your opportunity!!!
Will the banks return the money if they don't "get" to help most of the people in the alloted time? I doubt it....
Moe,
Do you have a Pay pal account set up for donations?
Yes he does. I just donated last week. I forgot where I found the donate link though. It's somewhere on here.
Yes. A pay pal account will do.
Moe..
I think we need to have data available about denial/aproval ratios,
servicers, investors maybe, timelines, etc of all members of this forum, so we can have statistics on paper to present to whomever has the power to help in te government -or the banks.
We need data of everything possible about this forum first as we expect an increment in the number of members after the noise we will make.
I havent been a member for a long time but I tought this could be a good start.
I'd like to bring up advertising and saw that one other person brought up Craigslist.
My idea would be first of all is for someone to devise an advertisement for Loansafe. Then a group of people volunteer and go city by city on Craigslist and post it so that we can get more people. I'm sure there are many out there that have no idea where to turn. I only stumbled upon this site because I was looking for info on TBW.
Another thing people can do get free business cards through VistaPrint. You can take these business card and hand them out to people in houses that you see the yards overgrown and people still living there. Another place to put the cards is in womens restrooms. You carry tape with you and where ever you go tape them on the back of stall doors so that when a lady sits down she has something to read.
How about some flyers?
Yes I agree. In my other thread I mention a CRM project management software. The purpose of everyone having to participate and input their data into a software program would be to generate accurate months reports that we can use.
All it takes is everyone working together.
Best Regards,
Maurice Bedard
Founder of LoanSafe.org
DISCLAIMER: The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.
We would need a statistics group leader with members experts in collecting, organizing, chart and present readable data.
We will need a member ANGRY enough to speak to the press.
Great ideas. That would be great off line guerrilla getting the word out tactics.I'd like to bring up advertising and saw that one other person brought up Grisliest.
My idea would be first of all is for someone to devise an advertisement for Loansafe. Then a group of people volunteer and go city by city on Craigslist and post it so that we can get more people. I'm sure there are many out there that have no idea where to turn. I only stumbled upon this site because I was looking for info on TBW.
Another thing people can do get free business cards through VistaPrint. You can take these business card and hand them out to people in houses that you see the yards overgrown and people still living there. Another place to put the cards is in womens restrooms. You carry tape with you and where ever you go tape them on the back of stall doors so that when a lady sits down she has something to read.
How about some flyers?
Remember, there are 500,000 UNIQUE first time visitors here every month and only over 19,000 members. Many who are no longer active. We need more people willing to fight on LoanSafe and in this organized reporting effort.
We can use this for surveys and reporting. Online Surveys - VerticalResponse
Best Regards,
Maurice Bedard
Founder of LoanSafe.org
DISCLAIMER: The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.
When my loan reset in December 2007 while I was in a chapter 13 repayment plan, I found out that the loan was not under control of the courts but was allowed to encumber home-owners with whatever conditions the loan was made under.Count me in
I found HR 3609 which basically was designed to remove the exception which allows loans to be set to bad conditions without any available recourse.
I believe Brad Miller in the House of Representatives and Richard Durbin in the Senate are the people who are trying to lead the laws for CH 13 to be worked out to fairness.
In my perception, Barney Frank and Dodd along with Obama are impeding factors in the way to get fair reform to our laws for Chapter 13.
If we got this blemish to our laws refined and removed 1322(b)(2) from our laws and allowed judges the ability to make fair modifications to unfair loans, lenders would be willing to really negotiate loans into sustainable conditions. Right now lenders are to say what they did was not unlawful and it is you who should have had a lawyer in tow to look over these known by lenders unfair lending term contracts.
It explicitly needs to be unlawful for lenders to make such unsustainable loans. It also needs to be set that bad loans can be modified by judges if lenders do not act in good faith beforehand.
With all of the insurance money being collected on known to likely fail loans, those committing the mess profit while others fail due to the atrocities committed by the loan originators.
modify the rights of holders of secured claims, other than a claim secured only by a security interest in real property that is the debtor’s principal residence, or of holders of unsecured claims, or leave unaffected the rights of holders of any class of claims;
HELP.......Sorry to interrupt this thread, but I just need a quick answer from someone.
Chase has been stringing me along since Oct 08 regarding a standard mod, then the HAMP mod. I was told I was approved, then rejected, then supposedly approved again. Docs have been in Underwriting for 2 months now. Today, I found that I will be laid off due to lost contracts. So, is it true that now the HAMP mod will definately be rejected since my income is gone?
Guess I have no options but to call them and say "nevermind" but you have strung me along for so long that now I lost my job and you can safely stamp "REJECTED" on my mod and actually have a friggin reason. I should have been approved in April. So, they won at their game this time. Everyone....watch out for these scallawags.
So, no other options for me?
Yes there is a paypal account in every Moe's post. at the end. just click on it and will take you to sign in, very easy.
I would stay quiet and buy time, I hear they are working on plans for people that are on unemployment and those that are running out. They ran your clock out, now it's time to play games with them.
Gary.....thanks for your thoughts. You are soooooo right in your comment about them "running my clock out". I will consider what you are saying, but I am just so tired of all this, that I feel like just calling and being honest and ask them who wants the keys.
I wouldn't do that, when you read about people that have gotten screwed by slipping through the cracks, it can work both ways. Stay quiet and tell them nothing.
Anyways, back to the topic. I don't know how I can be of any help, but I guess you can count me in Moe.
Woo-Hoo!!!! Awesome! I'm in!!
Re: The Time Has Come to Unite as One & Monitor Mortgage Servicers Anything I can do to help, please count me in! Gmac nightmare since Oct.08
Same here...That would be sooo Coool to have per say 200 members call daily to the Bankateers on one persons account and ask for update by mentioning there real name of course if we all can mess up every lender phones for months they would get no new deals, they would get scared...Wooo Hpooooo.. Support from PA here is waiting...I would love to tie up Citi phones for a month...Wooo Hoooo
Been Resubmitted 6 Times NACA
GAVE UP NACA To Do Something With Citi STREAMLINE FHA MORTGAGE 07/22/2010
CLOSED 07/22/2010 SKIP 2 PAYMENTS
NACA HELP Me>>>..?NO
Count me in. Here is an idea... What if we somehow had standard paragraphs that we add to the bottom of our requests for modifications, payroll stub copies or whatever the lender is requesting be sent in. For instance: The above modification applicant is a member of loansafe.org. The Loansafe "Union" has been formed as a united front to help homeowners save homes. The union is 10,000 strong and is dedicated to monitoring fair treatment from lenders to homeowners. Loansafe has educated all homeowners on available programs including MHA,_____ and __________. Any violations including (name some) will be reported to such and such (agencies, news outlets, etc.)
Moe... I started the survey of the link you posted...its a test, it may need more adjustments,
Loan Modification Survey
Here are my suggestions:/
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Dear LoanSafe members, struggling homeowners, home fighters or just plain ole good Americans,
Today we MUST discuss real world solutions for homeowners who have been getting screwed in every which way. For OVER 2 years I have seen the same BS come out Washington DC and from mortgage servicers. I can swear before you here and God that it is basically the same lies and deception as when I first started this forum in the summer of 2007.
The same stories over and over again, but with new member names and grateful Moms, Dad's, husbands and wife's who could finally sleep a night because they found a place (LoanSafe.org) to share their struggles and help one another through one of the most painful times in their lives. Yet, we still are in the same pain and many millions suffer alone in their homes, not knowing what to do or where to turn.
I HAVE THE SOLUTION AND I NEED YOUR THOUGHTS, IDEAS AND INPUT TO SEE IF WE CAN MAKE THIS WORK.
This does not need to be rocket science and we can keep this simple as the ABC's, really.
Who is your voice? Who is fighting for the American homeowner who is doing everything right?
So, what do you all think. Please criticize, share and tell me what we should do. Everyones input will be appreciated!!!
- What I see is million of people fighting alone when they should fight collectively as one.
- Form a Homeowners Union/Real Social Community and members elect state Representatives and lender reps to organize, fight, lobby, deal with media etc.
- Union acts as one but as groups based on state and lender
- All this is done utilizing technology, web based project planners, reporting systems etc.
- We revers police the mortgage servicers, lenders and Washington by members who self input their data through a project planner/CRM that manges their loan modification from start to finish with built in email, calendars, videos etc.
- We the people provide the media with the real data from real homeowners monthly and the state reps for the homeowners union can deal with local media
- Members will pay it fwd and help those in need and step in when someone may lose their home and acts as a team to apply pressure to the lender, media and government to SAY THAT THIS FORECLOSURE SHOULD NOT HAPPEN.
- Members will have a full record of their communications, emails, etc. during the process that they can use to send to the media, lawyers and or the government to prove they were railroaded.
- Rinse and repeat these processes until this union becomes a force.
- Oh and it does not cost dime, just donations.
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1, People who are going to be in this team must pass a criminal background check. You need someone who is trustworthy and will have no other hidden agenda to protect Loansafe reputation.
2. For homeowners who are asking for help to use Loansafe deal with their Loan Modification and other issues must give authorization to Loansafe to talk to their lenders and also to release Loansafe and each members of any potential lawsuit just in case the decision of the lenders is not acceptable to them
3. Any members who want to be in this team must give you their objectives why they want to do this, it’s like a resume and it’s up for you and Evan and your attorneys on board to decide which one to get.
4. The team that will be approved must take an oath to protect Loansafe and each members and their confidential information... They must treat this matter seriously just like having a Jury Duty.
I just thought of this for your protection and want to safeguard Loansafe’s reputation.
I have to pray about this Moe because this is a very important matter.
Thanks
Regards,
Faith
"Pay it forward"
Faith - Absolutely - I Agree 100% with all your suggestions. While we are willing to stand and be united, we do need to be smart and secure. And yes, we all need to be praying on this. I was just emailing a different fella, unrelated to loansafe, and he is in a crisis with his home (we hooked up via a different website). Turns out he is a Christian. So am I. I had to stop and wonder why so many God-fearing folk are being put through this trial!? Is it because we serve a God that is greater than any bank? Is it because we are willing to give our best to serve God in a fashion that can turn this country back to it's core values? We absolutely need to band together and take our individual voices and collectively scream and force out the injustice!
I am so ready to get involved. I often thought that God would use my big mouth to help expose this bankateering for what it really is! We all need to pray, for Moe, for Evan, for each one here that is willing to stand up and say NO MORE. How strong is our God? I'm reminded of Joshua and the battle of Jericho... let's sound our horns and scream, then watch God take the walls down again! Okay, I'll get off my soapbox now. But only for a little while.
Would this be like starting your own NACA
Been Resubmitted 6 Times NACA
GAVE UP NACA To Do Something With Citi STREAMLINE FHA MORTGAGE 07/22/2010
CLOSED 07/22/2010 SKIP 2 PAYMENTS
NACA HELP Me>>>..?NO
I'm in this 100% and will pray that I can be used in the best way. I have just started my fight and am planning to file my loan mod next week but will help as much as I can.
The Lord knows just what we need and just when we need it. If HE has brought us to this point, HE will bring us through it. I also believe that we have all been brought together for a reason.
Thanks Moe for getting us to the point that we no longer will lay down and take it anymore!! I am so glad that I found all of you.
Moe,
Count me in..I have been denied twice with the reason that does not make sense.. I lost my job in May and been trying to get help from CHase..I'm not ready to give up but I'm fearful and stressing that I will lose my home.
Lets do this.............
Good morning, everyone. Excellent comments and suggestions so far, and we're just getting started. To those of you who have been lurking but have not become members yet - NOW IS THE TIME TO REGISTER! It's free!
I know I'm going to sound negative but here goes.
Moe: What you are asking would require you to create a Political Action Committee (PAC). Are you prepared to go through the piles of paperwork required to become such an organization?
Personally, I feel there are far too many PAC's at the moment. What would work far better would be to communicate with the existing organizations and get them to unite. If we could get every consumer protection group out there to band together as one voice, as a united front, then perhaps we could begin to put pressure where it's deserved - directly at the loan Servicers.
An idea that both my husband and I have mulled is as follows: Create a no bank month. In essence, as a unified front, all participants refuse to pay or provide any funds to any bank for one month. This would include:
1. Do not deposit your paychecks into your checking/savings account. Cash the checks outright and hold on to the cash.
2. Do not pay your house payment.
3. Do not pay on any credit cards.
4. Do not use your debit/credit card to make any purchases. Use cash. Everytime that you use your debit/credit card the banks receive a fee from the merchant. This is part of the reason why the price of just about everything has risen.
The only way to get anyone's attention is to hit them where it hurts the most - their pocketbook. What if all of the banks didn't receive a dime from anyone for one month? Imagine what the impact on their financials would be!
But, in order for this to work, we as a community, would need to get as many community action & consumer protection groups together as possible. If we try to do this solely with the members of this forum it will not work. There simply aren't enough of us.
NO BANK MONTH has my support.
I tend to agree with much of AzGryffindor's post. There are also confidentiality issues at play here which could create some serious problems. It might be best to form groups of people by lender and devise a plan of action to bombard them with letters, calls, emails, etc. Re not paying the fees for a month, the late fees charged would prohibit me from doing so. I did stop paying the cc's about six months ago but that was based on a very well thought out plan of action to do debt settlement and I am 1 card away from completion now.
I'm in! I have programming experience (PHP, MYSQL, HTML) -- can lend a hand that way and/or any other way needed!
Joanne
Count me in!
I realize that MANY more people are here trying to GET a loan mod than those of us dealing with a lender who provides a modification contract only to refuse to honor it.
The Fransen & Molinaro legal group are seeing more of this racket from a variety of lenders. I have been posting warnings about this with regard to CountryWide/BofA but they apparently are now being copy-catted by any number of lenders/servicers.
While is is great to have a way to pressure the lenders to come thru with the modification contract, we also need to block the current holes in the laws that will leave each of us to fend for ourselves when lenders fail to HONOR the contracts they offered (or many more borrowers will be right back here needing another sub-group to lobby for media coverage).
IF the servicer chooses not to sign the agreement that they provided and YOU sign, but they tell you to make the payments per the mod, and you do, they are currently playing a game of waiting until they can claim there is at least $10K that you need to pay because the 'mod' never happened. They are using this as a 'setup' to drive people into foreclosure.
In some cases, instead of taking payments after the mod is notarized by YOU, they inform you the note was traded to a different servicer. That is normally only done if there was already enough arrears that they felt they could force the property into foreclosure right away. Of course, you are told that the mod is still 'yours' and that any paperwork will 'catchup'. RIGHT.
In both cases, you are lied to for at least 3-4 months, even as many as 7 months of lies have been reported to me.
Currently, each borrower in one of these messes, has to determine for himself if there is a legal case to pursue. The lender tries to claim they did nothing wrong. They do not want to admit they just violated basic contract law and potentially other banking/lending Acts.
We need to be able to get the WORD out that if a contract is offered, the lender/servicer has an obligation to honor it unless they find some actual flaw within a VERY short time span and actually CONTACT you about any actual defect. These should be a TINY segment of the cases. Currently, contracts are being 'cancelled' or never implemented without just cause or any communication. It is a clear-cut scam. CW employees were even coached by supervisors to claim the FEDEX packages did not arrive back on time when dealing with callers who questioned what was happening with their signed contract (without the supervisor even seeing the details on the caller's account).
In addition to getting WORD out so people don't fall into this trap and possibly not fight, we also need LAWS or REGULATIONS changed. If the servicer takes more than 5 business days to respond with either SIGNING the contract OR contacting you regarding any defect, then they need to incur a HEFTY FINE and also owe you a penalty fee also. The regulation would need to allow any contract mod that they fail to sign within that 5 day period to be recorded as if signed. If is has to go to a court, have it be so clear-cut that basically the borrower could file the papers themselves and have the court render the signature for the lender/servicer and grant the judgement for the penalty fee in favor of the borrower and notify the lender of the fine the court also requires them to pay for the case. This would fund the court cases right out of the lender's/servicer's wallets.
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