Stop the Theft of American Homes and Our Nation's Wealth!

In my experience I have defended myself without a lawyer out of necessity after a lawyer I hired, made a false offer to me along with the lender and then I was unable to afford a lawyer due to local government actions. My approach has been what I consider a common sense approach using the facts and research with the faith that our financial institutions and elected officials were to be trusted and now that they must earn our trust.

We have to be more like whistleblowers Carmen Segarra and Alayne Fleiscmann who care more about our country than their own self interest. In speaking of Ms. Segarra's role and the type of person needed to regulate banks, a report to the Fed states:

““He’s the only one who dare say it (contradict) because he doesn’t have ordinary social instincts,” Beim said to Bernstein in the “This American Life” broadcast, speaking hypothetically of the personality type he envisioned. “He doesn’t act politely. And somebody like that has to -- or a number of people like that -- have to be employed by organizations that want to be able to catch a big systemic problem brewing. They’re willing to say what they think is right even if people don’t like them as a result. They don’t care.”

article and links to Segarra tapes

Still, she was fired for making sure her story was told. If the “captured” agencies fire people like Ms. Segarra it's up to us to say what we think is right and not care what our neighbors, friends, family or party thinks. We have to question the “ordinary social instincts” that have taken over our national character.

Ms. Fleischmann makes the point that the violations and lawlessness that is taking place in “banks”, specifically “Chase”, are not complex and there is no reason for these settlements that let them off the hook for the biggest financial disaster in our history and possibly world history. Instead of seeing the obvious, the average American and our leaders continue to judge and punish homeowners that were harmed. Homeowners themselves find themselves still begging for modifications instead of taking a stand. Worse, the lenders violate the agreements they signed and lawyers, judges and officials ignore the harm done and claim the case is closed.

Chase whistleblower/Taibbi

We must change the current direction of our country that pushes for “settlement justice” instead of real justice. We must not allow the failures of regulators and the courts to be an excuse to have no regulation such as to shut down the Consumer Financial Protection Bureau, throwing the baby out with the bath water.

We must be firm though and start questioning where these TRILLIONS of dollars are going and who is actually doing the oversight of settlements and if it is truly in our national interest. A fraction of these funds can go to getting PEOPLE, out of the foreclosure trap instead of the institutions that caused the crisis and are enabling fraud and lawlessnes.  A comparably small amount of the harm done can be a huge economic injection in our neighborhood economies.

I consider my case to be an extreme foreclosure case but there are many that have similar experiences and some that are tragic resulting in loss of life as well as the economic destruction I am facing.

Some of the extreme characteristics of my case include:

• Chase's failure to change unreasonable 11% rate; (at height of crisis late '07, only option available after being trapped in predatory 2/28 loan I was led to believe)


• Failure to show a loan was paid off as by right; (toxic loan I was told needed to be paid off due to “crisis” Chase helped create)


• Failure to explain why Chase referred to my loan as being from a lender that was paid off years previously;


• Attempt at unlawful eviction;


• Attempt to short sale for half the principal (more than $300,000 less) but would not reduce rate;


• Manipulation of MERS on foreclosure attempt (NOT a MERS loan);


• Different claims to be the original lender, not the investor and then the investor;


• Manipulation of assignments, trustees and credit reports;


• Possibly fraudulent offer to reduce purported debt by over $500,000;


• Manipulation of MERS to create the appearance of complying with city law;


• "Catch" for $500,000 forgiveness offer was that property could not be in disrepair although Chase was aware of repairs required or was actually not in compliance with city law.  City officials recently stated law was never enforced against lenders while I was charged with criminal complaint.

These past 6 years has forced me to question everything in my life. I have suffered losses at a personal and even spiritual level but my faith has pushed me through, whatever the result. By working with other homeowners such as seniors, veterans and those caring for others, as I have tried with my parents, I see the great need that still exists. If we break through the same old lies by the lenders and their allies we can salvage not only homes but the better part of our national character as these new whistleblowers exemplify.

Please sign my petition and follow my efforts at the facebook link as I attempt to stay in the fight.

Also please sign the White House petition so the Obama administration will review a common sense approach.

White House petition

Also review the facebook page with pledge that you can support with likes, comments and forward to your local officials and any official that can support the change we need.

Main St Common Sense Foreclosure Pledge

Thank you.