The Time Has Come to Unite as One & Monitor Mortgage Servicers

[Chased around and around]

I agree with the OP.

My favorite saying I love to hear from a mortgage holder is, "I just bought my own home". Well no you have not, you are just renting the home, plus you pay taxes, repairs, and in some cases HOA that is just another rip off of thousands of dollars per year. My favorite thing to ask these new mortgage holders, "how much will you pay to the bank if you complete the loan". Deer in the headlights usually since the fine print of armotization is not even looked at when signing your pocket book away. You will pay 3 times the cost or the original loan plus the structure was worth only 1/2 of the original appraisal when you got the mortgage.

I am not attached to chases 219K underwater condo either. Lived here for three years and now I understand the saying, "mortgage poor". I have never been so broke in my life trying to live the "American Dream". I am ready to walk and go rent for twice the room, and half the price. No repairs, no taxes, no HOA.

I guess I am not the norm since I have never had a emotional attachment to this condo, I am sure its from my monthly stomach ache I have paying both mortgages, HOA, taxes and ins.

A home is where you make it, whether its a apartment, or renting someones home, your name does not have to be on the mortgage in order for it to be your home.

I will not any longer live and die by FICO. As the OP said and what I told my wife months ago, "cash, ATM or no dice". Maybe we all need to try and live under our means and not beyond our means. Buy what we need, not what we want.

Since not paying either mortgages I am paying off debt and stashing money under my mattress. CC are all closed and I will never have them again. Look at what my excellent credit got me into, I know I need a score of 400 to keep me inline for many years to come. Debt is truly dumb...

[Big Booger]

ama125, I do hope things work out in your endeavor to save the roof over your head - in the end what will be will be won't it? Chased around, debt begets debt and that whole American Dream is an illusion - What does stand true, you only get one go at this life and will your family remember you because of the house your paying for or for the memories that you created over the years with them where ever it is that you rest your head at night?

Alot will worry what others will think of them by walking away (I myself am not concerned what others will think and or say) - for me there is no price to be put on your piece of mind, health and happiness. so I say rock on

[ama125]

ama125, I do hope things work out in your endeavor to save the roof over your head - in the end what will be will be won't it? Chased around, debt begets debt and that whole American Dream is an illusion - What does stand true, you only get one go at this life and will your family remember you because of the house your paying for or for the memories that you created over the years with them where ever it is that you rest your head at night?

Alot will worry what others will think of them by walking away (I myself am not concerned what others will think and or say) - for me there is no price to be put on your piece of mind, health and happiness. so I say rock on

I am actually more shocked at what people think by my NOT walking away and trying to workout a modification. These "people" are close family members of mine and have been so unsupportive. Wouldn't even cut me a break so that my children and theirs could enjoy our family vacation together this summer! I've had plenty of time to forgive and move on, but my relationships with these two sisters of mine will forever be changed. At a time when I need their emotional support (I never asked either of them for a dime), I found nothing but jealousy and blame. Yes, jealousy! Both ticked off that I might have a lower payment, possibly lower than theirs, and in a bigger home than theirs. Unbelievably ridiculous but true! I asked my mother, would they (my sisters) like to trade places?! Sorry, getting off topic here. I do agree with you, what will be will be. I at least want to look back and say with pride that I gave it my all. Trust me, if I could sell this house without owing anything, I would. I already tried that and it just didn't work out. Best of luck to you!

[Maurice Bedard]

Hey thanks everyone and the comments made. CW, Snapple, glad you had time to get educated on Chomsky, He is one of my role models and I have decided to carry his torch online here on LoanSafe. We have to expose the media, banks and the government to ever make change.

The answer to our problems is going to be by focusing on the 2010 elections and MAKING sure we expose the lies and corruption that is being perpetuated by our states senators. They don't represent us ANYMORE THEY REPRESENT SPECIAL INTERESTS!

They ALL HAVE TO GO!!!

We might be changing the name of this website in order to cover more subjects beside loans because it seems like this is a forum by Main Street for Main Street and we are each facing more issues beside losing our homes. Jobs, money, rent, food etc is affecting most all of us.

I contemplating changing the name of the forum to a domain name I own called 'FreeorDie.org' We will cover loans, money, Washington and the media. One of the reason is we have to FOCUS ON 2010 elections and make sure the same senators that failed to protect the people are voted out in 2010 and the media that is in bed with the banks and Washington will be exposed as well.

We ALL must get politically active!!

Main Street must lead the 2010 elections and we cant let the media decide our fates.
I feel we can be a platform via our forum to make a huge impact in 2010.

[BobandArlyn]

Hi Moe,

This is not meant to be a negative. But I have a suggestion. Maybe I'm narrow-minded but if I saw, let's say a bumpersticker or a post somewhere, saying LiveorDie.org....I wouldn't be inclined to look at it because to me, it sounds kind of radical or about euthanasia or something of that sort. I think you said it in your post about being Main Street....How about MainStreet4MainStreet.org or MainstreetAmericansForum.org??? Something that people would more relate to. Just a suggestion. Willing to help pay for the domain...yes I am.

Thanks Moe for all you do.

[Big Booger]

moe, totally fabulous idea indeed.

[Maurice Bedard]

I appreciate ALL feedback and nothing is taken out of context. We are all free to have our opinions here and express them.

Lets get more input on this:

Is FreeorDie.org too radical name for a forum for MainStreet? Please let me know, but I am changing it soon. (one month or so)

The idea behind the Free or Die name is about freedom and Main Street Americans' who are willing to say "Don't tread on me" and fight back against these corporations, Washington and media.

Please vote:

1. Keep it LoanSafe.org and don't cover other topics
2. Change to FreeorDie.org and cover more MainStreet issues in the forum like jobs, media, rent etc????
3. Change to SavingtheDream.org and cover more MainStreet issues in the forum like jobs, media, rent etc????
4. Our xxxxxx.org??

[ama125]

I vote #3... savingthedream.org and any existing weblinks to loansafe.org could be re-directed to the new domain name. Would the existing forums be transferred over? I would hate to lose any of the info contained herein.
Thanks!
PS - Moe, I sent you an email over the weekend with a new email address to target. Let me know if you did not get it and I will post it here. I sent it from my personal email.

[Maurice Bedard]

OK, here is the task of the day. We need to unite as one no matter who your mortgage servicer is and step in to fight for each other when needed.

Since Bank Of America is the biggest mortgage servicer and a lot of members have them a servicer, today we will write an email to executive management and cc the media.

I ask everyone to write this and if it is not your servicer you can just copy and past my open letter below and say "I as a member of LoanSafe.org will support my fellow Americans in the fight against your bank!!!" and the copy the letter and hit send. It should take 30 seconds.

If this is your bank, say the same thing but say you are their client and then write your own letter in your own words if you like.

OPEN LETTER TO BANK OF AMERICA AND BARBARA DESOER:

Emails to Fwd to:

emails sent to:
barbara.j.desoer@bankofamerica.com
dan.b.frahm@bankofamerica.com,
kacie.miller@bankofamerica.com,
khara.turner@bankofamerica.com,
annabel.lopez@bankofamerica.com,
gretchen morgenson <grmorg@hotmail.com>,
"Berkman, Leslie" <lberkman@pe.com>,
"Karp, Jonathan" <Jonathan.Karp@wsj.com>,
"ARI LEVY, BLOOMBERG/ NEWSROOM:" <alevy5@bloomberg.net>,
"Harris, Dan B" <Dan.B.Harris@abc.com>,
Danny Schechter <danny@mediachannel.org>,
"Bolton, Bryan" <bryan.bolton@citi.com>,
Bruce Marks <bmarks@naca.com>,
Gretchen Morgenson <gretchen@nytimes.com>,
"Laise, Eleanor" <eleanor.laise@wsj.com>,
"Katz, David" <David.Katz@imb.com>,
<gina.green@responsiblelending.org>, <kathleen.day@responsiblelending.org>, <micahel.calhoun@responsiblelending.org>, <paul.leaonard@responsiblelending.org>,
"Sharon Reuss" <sharon.reuss@responsiblelending.org>,
"Alan White" <Alan.White@valpo.edu>,
chomsky@mit.edu,
Darren Duarte <dduarte@naca.com>

Actual Letter Emailed as of 9:30 AM:

To whom it may concern or if you "really" have concern for "your clients", please read and act!

First of all, you may own Washington and you may own corporate media, but YOU DO NOT OWN ME OR THE GREAT AMERICAN PEOPLE WHO HAPPEN TO BE STUCK WITH YOU AS THEIR MORTGAGE SERVICER!!!

I waited and waited after you took over Angelo Mozilo and his criminal banksters mortgage portfolio to see what exactly you all would do to help struggling Americans. To my surprise, you have decided to take Angelo Mozilo's and Countrywide's torch of shame and lies to new levels of deceit and banking evilness.

With that said, I am done trying to help Bank Of America clients get a loan modification on my forum www.LoanSafe.org/forum . Your FAILURE to do what is right for struggling homeowners has caused us on LoanSafe.org to plan a new line of approach to deal with the abuse and out right lies that are being perpetuated on the American people by your firm.

It is NOW time for the people to act and I plan to lead them to the freedom water. We are not your pawns and you will NOT TREAD ON US!

I am not sure you realize that the sleeping giant known as the consumer on Main Street will UNITE, ORGANIZE and EXPOSE your LIES that you CONTINUE to regurgitate in the media that you own.

Do you all realize the power of social media?

It is where Main Street is in control and where your media puppets cant carry your messages of lies and deceit. This will be the banks and the media's ultimate down fall. Mark my words Barbara Doeser. I know you know that the banking industry is one election and on social media campaign from being taken down.

You're refusal to recognize struggling homeowner and ignore the people who happen to be your clients in my forum has OFFICIALLY ended today.

This is class warfare. The banks against the people. Main Street against Wall Street. The people against big government. Just in case you all didn't know, our army is MUCH LARGER and we are NOW EDUCATED to start using intellectual self defense tools to combat Wall Street, Washington corruption and media propaganda.

I will now dedicate my life to this cause and I wish you all the best of "luck" because that is what you will need to make it through each quarterly earnings report.

The American nightmare has now become yours!!!

[caldwell02]

Since I'm in loan mod hell, my first choice right now is to keep it as it is. Maybe within loansafe.org you could have a savethedream section.

But definitely please don't use number two. you might lose me if you do.

Thanks Moe. Also - when is the assault on JPMorgan Chase? I'm ready!!!!

[brokemama]

I agree with caldwell. First choice is to keep it as is; the old adage if it ain't broke... But number 2 is the worst in my opinion. If you do switch it to a new name hopefully the threads will transfer with it.

[ohhhdear]

Hi Moe,

This is not meant to be a negative. But I have a suggestion. Maybe I'm narrow-minded but if I saw, let's say a bumpersticker or a post somewhere, saying LiveorDie.org....I wouldn't be inclined to look at it because to me, it sounds kind of radical or about euthanasia or something of that sort. I think you said it in your post about being Main Street....How about MainStreet4MainStreet.org or MainstreetAmericansForum.org??? Something that people would more relate to. Just a suggestion. Willing to help pay for the domain...yes I am.

Thanks Moe for all you do.

I love this name!

Main Street 4Main Street! or something like that!!

[CW California]

I appreciate ALL feedback and nothing is taken out of context. We are all free to have our opinions here and express them.

Lets get more input on this:

Is FreeorDie.org too radical name for a forum for MainStreet? Please let me know, but I am changing it soon. (one month or so)

The idea behind the Free or Die name is about freedom and Main Street Americans' who are willing to say "Don't tread on me" and fight back against these corporations, Washington and media.

Please vote:

1. Keep it LoanSafe.org and don't cover other topics
2. Change to FreeorDie.org and cover more MainStreet issues in the forum like jobs, media, rent etc????
3. Change to SavingtheDream.org and cover more MainStreet issues in the forum like jobs, media, rent etc????
4. Our xxxxxx.org??

Keep Loansafe.org but have a sub or separate forum (sort of split screen?) for political activism. Especially a list of how to become active..... Tea parties, recalls, elections.

I agree Moe. It's all about 2010. Vote everyone out of office. If they are an incumbant, they are gone. Our new elected officials must be willing to outlaw lobbying.
Walk and protest with your brothers even if you have some differences. Do not let the government pit one american against another.

[ohhhdear]

I appreciate ALL feedback and nothing is taken out of context. We are all free to have our opinions here and express them.

Lets get more input on this:

Is FreeorDie.org too radical name for a forum for MainStreet? Please let me know, but I am changing it soon. (one month or so)

The idea behind the Free or Die name is about freedom and Main Street Americans' who are willing to say "Don't tread on me" and fight back against these corporations, Washington and media.

Please vote:

1. Keep it LoanSafe.org and don't cover other topics
2. Change to FreeorDie.org and cover more MainStreet issues in the forum like jobs, media, rent etc????
3. Change to SavingtheDream.org and cover more MainStreet issues in the forum like jobs, media, rent etc????
4. Our xxxxxx.org??

I like 4.
Main Street.org

[Big Booger]

i like mainstreet4mainstreet -

[ama125]

OK, here is the task of the day. We need to unite as one no matter who your mortgage servicer is and step in to fight for each other when needed.

Since Bank Of America is the biggest mortgage servicer and a lot of members have them a servicer, today we will write an email to executive management and cc the media.

I ask everyone to write this and if it is not your servicer you can just copy and past my open letter below and say "I as a member of LoanSafe.org will support my fellow Americans in the fight against your bank!!!" and the copy the letter and hit send. It should take 30 seconds.

If this is your bank, say the same thing but say you are their client and then write your own letter in your own words if you like.

OPEN LETTER TO BANK OF AMERICA AND BARBARA DESOER:

Emails to Fwd to:

emails sent to: barbara.j.desoer@bankofamerica.com
dan.b.frahm@bankofamerica.com,
kacie.miller@bankofamerica.com,
khara.turner@bankofamerica.com,
annabel.lopez@bankofamerica.com,
gretchen morgenson <grmorg@hotmail.com>,
"Berkman, Leslie" <lberkman@pe.com>,
"Karp, Jonathan" <Jonathan.Karp@wsj.com>,
"ARI LEVY, BLOOMBERG/ NEWSROOM:" <alevy5@bloomberg.net>,
"Harris, Dan B" <Dan.B.Harris@abc.com>,
Danny Schechter <danny@mediachannel.org>,
"Bolton, Bryan" <bryan.bolton@citi.com>,
Bruce Marks <bmarks@naca.com>,
Gretchen Morgenson <gretchen@nytimes.com>,
"Laise, Eleanor" <eleanor.laise@wsj.com>,
"Katz, David" <David.Katz@imb.com>,
<gina.green@responsiblelending.org>, <kathleen.day@responsiblelending.org>, <micahel.calhoun@responsiblelending.org>, <paul.leaonard@responsiblelending.org>, "Sharon Reuss" <sharon.reuss@responsiblelending.org>,
"Alan White" <Alan.White@valpo.edu>,
chomsky@mit.edu,
Darren Duarte <dduarte@naca.com>

Actual Letter Emailed as of 9:30 AM:

To whom it may concern or if you "really" have concern for "your clients", please read and act!

First of all, you may own Washington and you may own corporate media, but YOU DO NOT OWN ME OR THE GREAT AMERICAN PEOPLE WHO HAPPEN TO BE STUCK WITH YOU AS THEIR MORTGAGE SERVICER!!!

I waited and waited after you took over Angelo Mozilo and his criminal banksters mortgage portfolio to see what exactly you all would do to help struggling Americans. To my surprise, you have decided to take Angelo Mozilo's and Countrywide's torch of shame and lies to new levels of deceit and banking evilness.

With that said, I am done trying to help Bank Of America clients get a loan modification on my forum www.LoanSafe.org/forum . Your FAILURE to do what is right for struggling homeowners has caused us on LoanSafe.org to plan a new line of approach to deal with the abuse and out right lies that are being perpetuated on the American people by your firm.

It is NOW time for the people to act and I plan to lead them to the freedom water. We are not your pawns and you will NOT TREAD ON US!

I am not sure you realize that the sleeping giant known as the consumer on Main Street will UNITE, ORGANIZE and EXPOSE your LIES that you CONTINUE to regurgitate in the media that you own.

Do you all realize the power of social media?

It is where Main Street is in control and where your media puppets cant carry your messages of lies and deceit. This will be the banks and the media's ultimate down fall. Mark my words Barbara Doeser. I know you know that the banking industry is one election and on social media campaign from being taken down.

You're refusal to recognize struggling homeowner and ignore the people who happen to be your clients in my forum has OFFICIALLY ended today.

This is class warfare. The banks against the people. Main Street against Wall Street. The people against big government. Just in case you all didn't know, our army is MUCH LARGER and we are NOW EDUCATED to start using intellectual self defense tools to combat Wall Street, Washington corruption and media propaganda.

I will now dedicate my life to this cause and I wish you all the best of "luck" because that is what you will need to make it through each quarterly earnings report.

The American nightmare has now become yours!!!

Hi Moe, you have a typo in Barbara's email address (it starts with "to") and Dan Frahm's email (starts with "cc"). I know you've already admitted to being the typo king, but with spelling mistakes or other errors, I fear you may lose credibility (your argument may get lost if people focus on the mistakes and not the message). I'm not trying to be negative or judgmental in any way, but use your spell checker before you send off an email just to be safe and catch any of the obvious ones

[ohhhdear]

OK, here is the task of the day. We need to unite as one no matter who your mortgage servicer is and step in to fight for each other when needed.

Since Bank Of America is the biggest mortgage servicer and a lot of members have them a servicer, today we will write an email to executive management and cc the media.

I ask everyone to write this and if it is not your servicer you can just copy and past my open letter below and say "I as a member of LoanSafe.org will support my fellow Americans in the fight against your bank!!!" and the copy the letter and hit send. It should take 30 seconds.

If this is your bank, say the same thing but say you are their client and then write your own letter in your own words if you like.

OPEN LETTER TO BANK OF AMERICA AND BARBARA DESOER:

Emails to Fwd to:

emails sent to: tobarbara.j.desoer@bankofamerica.com
ccdan.b.frahm@bankofamerica.com,
kacie.miller@bankofamerica.com,
khara.turner@bankofamerica.com,
annabel.lopez@bankofamerica.com,
gretchen morgenson <grmorg@hotmail.com>,
"Berkman, Leslie" <lberkman@pe.com>,
"Karp, Jonathan" <Jonathan.Karp@wsj.com>,
"ARI LEVY, BLOOMBERG/ NEWSROOM:" <alevy5@bloomberg.net>,
"Harris, Dan B" <Dan.B.Harris@abc.com>,
Danny Schechter <danny@mediachannel.org>,
"Bolton, Bryan" <bryan.bolton@citi.com>,
Bruce Marks <bmarks@naca.com>,
Gretchen Morgenson <gretchen@nytimes.com>,
"Laise, Eleanor" <eleanor.laise@wsj.com>,
"Katz, David" <David.Katz@imb.com>,
<gina.green@responsiblelending.org>, <kathleen.day@responsiblelending.org>, <micahel.calhoun@responsiblelending.org>, <paul.leaonard@responsiblelending.org>, "Sharon Reuss" <sharon.reuss@responsiblelending.org>,
"Alan White" <Alan.White@valpo.edu>,
chomsky@mit.edu,
Darren Duarte <dduarte@naca.com>

Actual Letter Emailed as of 9:30 AM:

To whom it may concern or if you "really" have concern for "your clients", please read and act!

First of all, you may own Washington and you may own corporate media, but YOU DO NOT OWN ME OR THE GREAT AMERICAN PEOPLE WHO HAPPEN TO BE STUCK WITH YOU AS THEIR MORTGAGE SERVICER!!!

I waited and waited after you took over Angelo Mozilo and his criminal banksters mortgage portfolio to see what exactly you all would do to help struggling Americans. To my surprise, you have decideD to take Angelo Mozilo's and Countrywide's torch of shame and lies to new levels of deceit and banking evilness.

With that said, I am done trying to help Bank Of America clients get a loan modification on my forum www.LoanSafe.org/forum . Your FAILURE to do what is right for struggling homeowners has caused us on LoanSafe.org to plan a new line of approach to deal with the abuse and out right lies that are being perpetuated on the American people by your firm.

It is NOW time for the people to act and I plan to lead them to the freedom water. We are not your pawns and you will NOT TREAD ON US!

I am not sure you realize that the sleeping giant known as the consumer on Main Street will UNITE, ORGANIZE and EXPOSE your LIES that you CONTINUE to regurgitate in the media that you own.

Do you all realize the power of social media?

It is where Main Street is in control and where your media puppets cant carry your messages of lies and deceit. This will be the banks and the media's ultimate down fall. Mark my words Barbra Doeser. I know you know that the banking industry is one election and on social media campaign from being taken down.

You're refuseale to recognize struggling homeowner and ignore the people who happen to be your clients in my forum has OFFICIALLY ended today.

This is class warfare. The banks against the people. Main Street against Wall Street. The people against big government. Just in case you all didn't know, our army is MUCH LARGER and we are NOW EDUCATED to start using itellectual self defense tools to combat Wall Street, Washington corruption and media propaganda.

I will now dedicate my life to this cause and I wish you all the best of "luck" because that is what you will need to make it through each quarterly earnings report.

The American nightmare has now become yours!!!

Moe, I'm confused. Do you want us to copy & paste this or do you want us to write our own story?

I love what you wrote-- will be glad to send this!

Let me know..
Thanks again!

[grullagirl]

Are all Loansafe members aware of what is trying to be accomplished? How many have been following this particular thread? We've got to get as many on board as possible for it to work. IMHO.

[nativelasvegan]

I sent my message. I am also copying it to my local media. I hope everyone else does too, even if your loan is not serviced through BAC.
I have always thought that offices should be held for one term, AND ONE TERM ONLY. That is the way the process started many years ago. It was the intent of our forefathers to have public servants serve the government for one term and then return to their regular job. Throughout the years, we have career politicians. That's not the way it was meant to be.

[grullagirl]

Oh, and here is an added bonus, my husband and I decided this a.m. that we are cancelling our B of A credit card. After 15 years, we are done with them!!!

[Big Booger]

copy, spell checked (just for good measure, Moe) and fired off - have a nice day Barbara....

[joanne]

email sent. If we have to change the name, (I like loansafe), then MainStreet4MainStreet....

[Maurice Bedard]

Hi Moe, you have a typo in Barbara's email address (it starts with "to") and Dan Frahm's email (starts with "cc"). I know you've already admitted to being the typo king, but with spelling mistakes or other errors, I fear you may lose credibility (your argument may get lost if people focus on the mistakes and not the message). I'm not trying to be negative or judgmental in any way, but use your spell checker before you send off an email just to be safe and catch any of the obvious ones

I agree. Here is my issue and I hope anyone reading this will understand some of my typos etc. I write on average between articles, emails, and this forum up to 3,000-5,000 words a day with no editors or outside help besides my fabulous son. We do our best to check stuff and have no typos but it is impossible get the word out, help everyone and watch every i and t with just a two man team. I use spell check, I just miss things because I am always in a hurry with emails to answer, calls to make and blogs to write.

Bottom line, I am not an institutionally educated man, but only self educated. I educate myself on subjects I feel I should learn and know well to survive in this screwed up world. Also, I dropped out of high school at 17 when I had my first son and have very little formal education. I have wanted to take English and writing classes at night, but have decided my kids need me more than the need to write perfectly. Maybe later....

It's like we are amnesty international with just me and my son. LOL.

What's kind of ironic is that I get paid now for what I write. Many of my 4-8 year educated friends and many people I know are penniless and jobless with nothing to show but a recent pink slip and $60,000 in student loans to repay.

It seems peculiar that someone (The educated & political class) who does what the man wants for 30-40 years. Goes to school, goes to college, pays taxes and now they have been kicked to the curb for following these rules. No jobs and a foreclsoure notice to boot. That's BS, right?

Now these same educated people come to me for help. What's your secret they now ask Moe?? Please teach me how to build websites and social media. I first say telling the truth and putting others before self is the way I live and it is what they must do. What comes around goes around I tell them. Karma is real. They seem to be getting the goes around now. Profits, company and self before family were what they had sewn for years, now they are paying the ultimate price for the seed they have sewn.

I now see this has an opportunity to open the educated classes eyes to the fact that they have been lied to by their Universities, the media and the politicians they help elect. They need to wake up and smell the political coffee.

No matter what our education levels are, we are ALL AMERICANS with the same pain and hurt. That pain and hurt will be what unites us all, white, black, Catholic, Christan, educated non-educated etc.

[Melanie702]

HEY!!! Just received a call from Irene Tapia that called regarding the complaint we all sent in on Friday (Phoenix news station). She was a very nice lady, said she was in the CEO/OOP office. She said she was going to expedite my file and make sure she stays on top of Neil my negotiator. She asked me to fax her my latest pay stub (even though I faxed it in 4 times on Wednesday. Hasn't been updated yet) to her direct fax number (818)225-4040. I let her know everything that has and hasn't been happening. She stated that I am in review for FHA-MHA. Can't wait to hear what the next lie is that I get why I don't qualify.

[faith]

I agree. Here is my issue and I hope anyone reading this will understand some of mt typos etc. I write on average between articles, emails, and this forum up to 3,000-5,000 words a day with no editors or outside help besides my fabulous son. We do our best to check stuff and have no typos but it is impossible get the word out, help everyone and watch every i and t with just a two man team. I use spell check, I just miss things because I am always in a hurry with emails to answer, calls to make and blogs to write.

Bottom line, I am not an institutionally educated man, but only self educated. I educated myself on subjects I feel I should learn and know well to survive in this screwed up world. Also, I dropped out of high school at 17 when I had my first son and have very little education. I have wanted to take English and writing classes at night, but have decided my kids need me more than the need to write perfectly.

It like we are amnesty international with just me and my son. LOL.

What's kind of ironic is that I get paid now for what I write. Many of my 4-8 year educated friends and many peol;e I know are penniless and jobless with nothing to show but a recent pink slip and $60,000 in student loans to repay.

It seem peculiar that someone (The educated & political class) who does what the man wants for 30-40 years. Goes to school, goes to college, pay taxes and now they have been kicked to the curb for following these rules.

Now these same educated people come to me for help.

I see this has an opportunity to open the educated classes eyes to the fact that they have been lied to by their Universities, the media and the politicians they help elect.

No matter what our education levels are, we are ALL AMERICANS with the same pain and hurt. The pain and hurt will be what unites us all, white, black, Catholic, Christan, educated non-educated etc.

Moe,
I disagree with AMA125, we don't care about the typo's, what is important is the message and the messenger. You have already proven time and time again that You are out there to help. Besides we all know that the system has only seconds to make corrections and sometimes if you type 55 words per minute, your finger is faster than your eyes. So it's ok, we all understand what you are saying. If there's an error in email addresses, the best thing to do is to ask for clarification, that's all, no big deal.

Thank you for your patience and your help you have given to all of us.

God bless you always.

[bloominga]

I am in a Metro Atlanta county so BOA is always news if it's unfavorable to BOA. If anyone else woud like to send to ATL media, will post their emails shortly. We've had about 10 inches of rain here since yesterday morning and my DSL has been spastic all morning.

[ama125]

Moe,
I disagree with AMA125, we don't care about the typo's, what is important is the message and the messenger. You have already proven time and time again that You are out there to help. Besides we all know that the system has only seconds to make corrections and sometimes if you type 55 words per minute, your finger is faster than your eyes. So it's ok, we all understand what you are saying. If there's an error in email addresses, the best thing to do is to ask for clarification, that's all, no big deal.

Thank you for your patience and your help you have given to all of us.

God bless you always.

Moe, Faith - Sorry if my post came across wrong. I personally don't care about typos. I make them, too! I just don't want the message to get dismissed because of it. My husband used to work for a company that makes ice cream. One day, a vendor came in to give a presentation. On the first slide, the name of the ice cream company was spelled wrong. The guy my husband worked for at the time, kicked the presenter right out without even seeing the rest of the presentation because he felt this vendor was unprepared and did not even care to hear the rest of what he had to say. I would just hate for something like that to happen. That is all I was saying. Please forgive me if I offended anyone. I did not mean to and I truly appreciate all the hard work that Moe does every day for all of us! Thanks!

[Maurice Bedard]

Moe,
I disagree with AMA125, we don't care about the typo's, what is important is the message and the messenger. You have already proven time and time again that You are out there to help. Besides we all know that the system has only seconds to make corrections and sometimes if you type 55 words per minute, your finger is faster than your eyes. So it's OK, we all understand what you are saying. If there's an error in email addresses, the best thing to do is to ask for clarification, that's all, no big deal.

Thank you for your patience and your help you have given to all of us.

God bless you always.

Thanks Faith, but I do understand what ama and others may feel about typos and proper grammar. I have dealt with this for a long time and it is no ones fault and no one is right or wrong here.

It is how we have been indoctrinated as children and the education system to feel a certain way. The educated class seem to pick things out and the Joe Six Pack like me could care less because he does the same thing.

Just like an educated man or woman will have a lot more issues with my past than say Joe Six pack who may have did the same thing or have a son or daughter that has a past too. Who is right or wrong? No one, it is just how we have been raised and educated that makes us think that we are all different, when in fact we are human beings with the same rights, needs and wants.

[Maurice Bedard]

Moe, Faith - Sorry if my post came across wrong. I personally don't care about typos. I make them, too! I just don't want the message to get dismissed because of it. My husband used to work for a company that makes ice cream. One day, a vendor came in to give a presentation. On the first slide, the name of the ice cream company was spelled wrong. The guy my husband worked for at the time, kicked the presenter right out without even seeing the rest of the presentation because he felt this vendor was unprepared and did not even care to hear the rest of what he had to say. I would just hate for something like that to happen. That is all I was saying. Please forgive me if I offended anyone. I did not mean to and I truly appreciate all the hard work that Moe does every day for all of us! Thanks!

Absolutely no problem or ill will for the advice ama. I know you were looking out for me This is just how society is and your point was taken as constructive criticism that I accept 110%

[nativelasvegan]

Melanie702 --- HEY!!! Just received a call from Irene Tapia that called regarding the complaint we all sent in on Friday (Phoenix news station). She was a very nice lady, said she was in the CEO/OOP office. She said she was going to expedite my file and make sure she stays on top of Neil my negotiator. She asked me to fax her my latest pay stub (even though I faxed it in 4 times on Wednesday. Hasn't been updated yet) to her direct fax number (818)225-4040. I let her know everything that has and hasn't been happening. She stated that I am in review for FHA-MHA. Can't wait to hear what the next lie is that I get why I don't qualify.

__________________________________________________ _____________

I received a call from Irene Tapia about two weeks ago. She said she was going to "escalate my file" and I should have an answer soon. I have been approved but still waiting on docs (since 7/21). Now Irene doesn't return my calls. I hope you have more luck with her than I did.

[Believe]

WOW, excellent comments from all of you since I last signed on! I'm getting ready to copy and paste Moe's EXCELLENT letter and send it to every one of those contacts and my local media outlets, but I have a quick question first. I would like to know what prohibits our Congress from doing the following: Effective immediately, all foreclosure proceedings will be suspended indefinitely. There will be a 3-month moratorium on all mortgage payments. During this time, all mortgage loans will be reduced to no more than the assessed value (for tax purposes) of the property, and all mortgage loans will automatically be re-set to a maximum fixed rate of 5% for the life of the loan. At the end of those three months, after the mortgage services have successfully implemented those modifications, we will begin a 3-month process of mandatory loan modifications for homeowners whose mortgage payments are still above 28% of their net income, after taking into account the modifications of the previous 3 months. WILL SOMEONE PLEASE TELL ME WHY THIS CAN'T BE DONE? It really can be this simple!

[snapple candy]

Moe,
I do agree with Boband Arlyn, the liveordie.org is too radical.

Personally I like savethedream.org I do however think you should keep loansafe.org as its own entity and provide a link to the other site if people want to get involved in the other issues. You have done alot to build this site, its name, and its reputation. What do they say about "if it aint broke, dont fix it"? I suggest building on what you have by doing add-ons.
So-cal-gal, I think you are on the right track about the "chess' games of these lenders. There is alot of them and you just have to figure out which one you are in. Good analogy.

[BobandArlyn]

Just looked for SavetheDream.org and got "This domain has just been registered."!!!

Loansafe.org is still great.....think I like linking inside to whatever name is chosen as suggested by others.

[QuayzyCrazy]

I'm also a bit confused here. Moe, are we to textually copy your long letter and send that e-mail to all the people contacts you are providing here? Do I need to put my loan number anywhere? Will be have any repercusions by doing this? I hope not...

Ama, could you also please rewrite the e-mail addresses with the typos so everyone could see what they need to look like?

[faith]

Moe, Faith - Sorry if my post came across wrong. I personally don't care about typos. I make them, too! I just don't want the message to get dismissed because of it. My husband used to work for a company that makes ice cream. One day, a vendor came in to give a presentation. On the first slide, the name of the ice cream company was spelled wrong. The guy my husband worked for at the time, kicked the presenter right out without even seeing the rest of the presentation because he felt this vendor was unprepared and did not even care to hear the rest of what he had to say. I would just hate for something like that to happen. That is all I was saying. Please forgive me if I offended anyone. I did not mean to and I truly appreciate all the hard work that Moe does every day for all of us! Thanks!

Ama125,
There's nothing to forgive and I am not perfect. The only One who is Perfect is the One who is Hung on a Cross. My teacher used to tell me, if you have nothing good to say, don't say it. If you have something good to say, be careful how to say it.

Smile and have a nice day!

[jazzyjnatl]

Just sent my email... I'm not with Bank of America...but i am willing to start anywhere. Hope this works!!!

[ama125]

I'm also a bit confused here. Moe, are we to textually copy your long letter and send that e-mail to all the people contacts you are providing here? Do I need to put my loan number anywhere? Will be have any repercusions by doing this? I hope not...

Ama, could you also please rewrite the e-mail addresses with the typos so everyone could see what they need to look like?

It's just the first two... barbara.j.desoer@bankofamerica.com and dan.b.frahm@bankofamerica.com
I did get a quite a few back undeliverable. I know joanne has a thread on here with media contacts listed. We should put them all in one post, separated by semi-colons, so that we could just copy and paste the whole lot at once. Start an email with those addresses and save it as a draft. Then, come next email campaign, just post the message into the body and click send.

[bloominga]

Sent mine! I like the idea of linking back to loansafe.org. There may be those that have not visited the site for awhile and wouldn't want them to get confused thinking we didn't exist anymore.

Can't believe I found such a great group of friends and I love the letter Moe. My lender is not BOA but we are all in this together and think it will make a big difference the more members we can get to join in on the fun!

D--

[caldwell02]

Hey all - lots has happened this a.m. I wanted to put one more two cents worth in about the name change and potentially spreading this too thin. We have just started to look at this differently - thanks to Moe - and to organize. I for one would like to focus on this piece/our piece of this mess - the loan modifications. I'd like us to build our energy and our focus by doing what Moe has started and blanketing people/organizations with a purpose - that being to change the paradigm about how loan modifications, and those of us who are trying to get them, are being dealt with and to take the power out of banks hands. If - no WHEN - we are successful at making the change in the atmosphere we have now, we will have shown how powerful the people can be in a new way. I am not saying not to tackle other issues - but this is the issue in front of us. This is the issue many of us have been writing about for months if not years with no positive changes. this is the issue we are the experts on. Let's use the power of our numbers and expertise and experience and focus on this.

Okay - got a little passionate about that, but I really do feel strongly we need to not skip this very important piece we just started - I am very concerneed that we would be spreading ourselves way too thin.

Moe - I LOVE to write, and I'm an over-educated fool who is a low-paid director of a nonprofit. So I'll help. but I'm focusing on this issue here.

[Chased around and around]

ama, Funny my brother is being the same way, telling me you know nothing about financials, you made the wrong decision. Who the hell knew our economy was going to tank like this.

But in the end what comes around goes around. He has a company that is hitting hard times, two commercial loans coming due next year. Hmm who is going to look like the ass now...