Ana Ramos is a 10-year resident of the Bayview.
Chase / Washington Mutual denied her and her husband Nelson a loan modification on her ARM loan because Chase claims they don’t make enough. Ana had previously qualified for the loan with the same income. There is a possible altered loan document in her case. She has filed a court case.
Demands:
Jesus Juarez is a driver by trade, a long-time Bayview resident, and a father of five.
Chase / Washington Mutual gave Jesus Juarez a predatory ARM loan. They denied him a modification because he supposedly didn’t make enough money, although his income hasn’t changed since he bought the house. He is in default with a projected earliest bank auction date of August 15, 2012.
Demands:
Archbishop Franzo King pastors the John Coltrane Church, located in the Western Addition community of San Francisco. He is a life-long resident of the Bayview-Hunters Point neighborhood. He has owned his house for over 20 years. He is a community leader and a member of Alliance of Californians for Community Empowerment (ACCE).
Archbishop Franzo King and Marina King have a Wells Fargo (World Saving pick-a-payment) loan. Archbishop King reports that one of his loan documents was altered and forged.
The NAACP has appointed Archbishop King as their Foreclosure Chairperson.
Demands:
Video of Archbishop King speaking at December 6, 2012, Occupy Our Homes Wells Fargo Bayview branch action:
Dexter Cato has an Adjustable Rate Mortgage (ARM) mortgage from American Home Mortgage (AHM) with Wells Fargo as trustee. He is a father of 4, a longshoreman, and a long-time Bayview resident.
In 2009, Dexter’s wife passed away while they applied for a loan modification. They made one payment and heard nothing from the bank. The bank foreclosed on their home without notice and auctioned off the house on October 20, 2010. The sheriff evicted them in September 2011. They then re-occupied their home. AHM evicted again in May 2012. Violation: Wells on eviction, AHM executed eviction.
Link: Foreclosure/Eviction Fighter Dexter Cato and Family Re-Occupy Their Bayview Home
Update as of March 30: Please come shop for some great bargains the Last Chance Sale of Kathryn’s belongings from 9:00am to 6:00pm on Saturday, April 7, at 1164 Church Street in San Francisco. All proceeds will go to Kathryn’s moving expenses, storage, and rent and deposit for her, her sister, and their dog’s new home once we locate one. Kathryn and her sister are sorting through their belongings to get everything packed up before the deadline for the Wells Fargo settlement. We are asking folks who want to sign up for a shift helping with sorting, cleaning, moving trash and recycling, and assisting with a Last Chance sale of her possessions to contact communications@occupytheauctions.org.
Here are the latest pictures:
Update as of March 28: Kathryn accepted Wells Fargo’s offer of $7,500 to leave the property prior to eviction by the Sheriff, have all of her belongings moved out within 15 days, and not to sue Wells Fargo. She, her sister, and their dog are now staying at the home of a Foreclosure and Eviction Fighter. They are still looking for affordable housing and assistance with moving their belongings. If you can help, please call Renita at 415-618-9172.
Update: Kathryn’s eviction was postponed to Wednesday, March 28, 2012. Although Occupy SF Housing was able to obtain a week’s eviction delay and is helping Kathryn negotiate some kind of settlement from Wells Fargo, she has made the difficult decision of trying to move out prior to being evicted.
Request for Assistance:
Do you know of a place with an accessible kitchen where an elderly Noe Valley resident, her step-sister, and their dog could stay temporarily when they are evicted tomorrow morning (Wednesday) by 9:14am? Some rent money is available.
If you know of a place, please contact Kathryn’s step-sister Renita right away at 415-618-9172.
Also, if you are willing to help move Kathryn and Renita’s belonging from their home to a storage location (or know of a moving truck or storage location we could use), please contact Renita at 415-618-9172.
Please respond to this urgent action alert to stop the eviction of Foreclosure and Eviction Fighter Kathryn Galves, her sister, and their dog on this Wednesday, March 21, 2012.
Links: Take Action Shift Signup Background Protest
NOTE: Please check here for updates… if you sign up, we’ll email you and/or call you if/when the eviction is postponed.
Please take the following actions:
Kathryn Galves purchased her lovely home at 1164 Church Street in 1972 and the home increased in value considerably over the years. She is a military widow who banked on the increased value of her property to invest in an out-of-state property with a Section 8 (affordable public housing) tenant. The investment did not go well and she lost more to book sales customers who didn’t pay for their orders. Kathryn lives on a fixed annuity income and her live-in sister earns a meager living as a caretaker. When her financial situation went sour, Kathryn filed a Chapter 13 bankruptcy, but Wells Fargo Bank successfully challenged the bankruptcy, then foreclosed on her home and it went to foreclosure auction. No one bid for the property at auction, so it became “bank-owned”, that is, owned by Wells Fargo. Wells Fargo has filed for the San Francisco Sheriff to evict Kathryn, her sister, and their dog from her home of 40 years. Kathryn has found a long-term neighbor who is willing to purchase her home and let her, her sister, and their dog remain in the home. Despite many requests by Kathryn and the prospective buyer, Wells Fargo has refused to come to the bargaining table regarding selling the home.
Here are some profiles of active Foreclosure and Eviction Fighters in San Francisco.
Links: Foreclosure and Eviction Fighters in San Francisco Bay Area Fighters Outside San Francisco Sign up as a Foreclosure/Eviction Fighter or a Home Defender
| # | a | b | c | d | e | f | g | h | i | j | k | l | m | n | o | p | q | r | s | t | u | v | w | x | y | z |
| Pic | Name | Lender | Loan # | Profile | Home Defenders |
|---|---|---|---|---|---|
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Bernetta Adolph | Wells Fargo | Profile | ACCE | |
| Julie Anderson (and Hanson Lee) | Wells Fargo | Profile | ACCE | ||
| Constance Bridgewater | Chase / Diversified Mortgage Consultants | Profile | ACCE | ||
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Romeo Bufal | Chase / Washington Mutual | 1835186059 | Profile, Alert | ACCE |
| Nora Carrasco | Wells Fargo | Profile | ACCE | ||
|
Dexter Cato | American Home Mortgage / Wells Fargo | Profile | ACCE | |
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Thida Chan | Bank of America | Profile | ACCE | |
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Denise Collins | Nationstar (Fortress/Aurora) | Alert | ACCE | |
| Dorothy Crawford | Wells Fargo (World Savings Pick-a-Payment) | Profile | ACCE | ||
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Maria and Washington Davila | Wells Fargo | 0044522993 (owner’s name is Felisa Yambao) | Profile | Occupy Bernal |
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Betty Davis | Fannie Mae, previously Bank of America / Countrywide | Profile, Alert | ACCE | |
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Alberto del Rio | Wells Fargo | 47339080 (owner’s name is Gloria Lomeli) | Alert Profile | Occupy Bernal |
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Gladys Dewitt | Wells Fargo (World Savings Pick-a-Payment) | 0041103565 | Profile | ACCE |
 |
Pei Jun Ding and Michael Dow | Wells Fargo | Profile | ACCE | |
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Mike Doyle | Nationstar (Fortress/Aurora) | Profile | ACCE | |
 |
Peter Fairfield | Wells Fargo | Profile | ACCE | |
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Larry Faulks | Wells Fargo | Profile Alert | ACCE | |
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Sherrell Fennell-Murphy | Nationstar (Fortress/Aurora) | Profile | ACCE | |
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Kathryn Galves | Wells Fargo | 0044722973 | Evicted March 28, 2012 | |
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Mary Gebrian | JP Morgan Chase | Profile | ACCE | |
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Tommie German | Wells Fargo | 44751501 | Profile | Occupy Bernal |
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Jemal and Jamila Mohamed Getu | Vericrest | 9800937154 | Profile, Alert | ACCE |
| Victor Granados | Wells Fargo | 5000039031 | Profile | Occupy Bernal | |
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Ian Haddow | JP Morgan Chase / Washington Mutual | Alert | ACCE | |
| Roxie Harris | Bank of America / Countrywide | Profile | ACCE | ||
| Amparo Hildago | Bank of America | Profile | ACCE | ||
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Emilia Hughetti | Wells Fargo | Profile | ACCE | |
| Henry Johnson | Wells Fargo | Profile | ACCE | ||
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Jesus Juarez | Chase / Washington Mutual | Profile | ACCE | |
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Monica Kenney | Wells Fargo / Fannie Mae | Profile | ACCE | |
| |
Archbishop Franzo King | Wells Fargo | Profile | ACCE | |
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Hanson Lee (and Julie Anderson) | Citibank | Profile | ACCE | |
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David Lewis | Wells Fargo | Profile | ACCE | |
| Eric | Wells Fargo | Occupy Bernal | |||
| DeDe Martinez | Wells Fargo | 0046809208 | Profile | Occupy Bernal | |
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Sheila McInnis | Wells Fargo | Alert | ACCE | |
| Joseph Melton | Bank of America / NY Mellon | Profile | ACCE | ||
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Kim Mitchell | Nationstar (Fortress/Aurora) | Alert | ACCE | |
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Robert Moses | Homeward (American Home Mortgage) | Alert | ACCE | |
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Merrie Jo and Edzel Musni | Bank of America | Profile | ACCE | |
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Daniel Pociernicki | Nationstar (Fortress/Aurora) | Profile | ACCE | |
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Ana and Nelson Ramos | Chase / Washington Mutual | Profile | ACCE | |
| Delmy and Jenny Ramos | Citibank | Profile | ACCE | ||
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Benjamin and Irma Reed | Wells Fargo | Profile | ACCE | |
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Ross Rhodes | Wells Fargo | Profile | Occupy Bernal | |
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Alfred Richardson | Bank of America | Profile | ACCE | |
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Vivian Richardson | Nationstar (Fortress/Aurora) | Profile | ACCE | |
| Myrna Sebastian | Wells Fargo | Profile | ACCE | ||
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Mary Ann Serrano | Wells Fargo | Alert | ACCE | |
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Alice Smith | Citigroup / PennyMac | Alert Profile | ACCE | |
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Dawn Swidorski | OneWest (Indy Mac) | Profile | ACCE | |
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Pascal Thiam | Sterling Bank (of Spokane, WA) | Profile | ACCE | |
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Josephine Tolbert | Bank of America | Profile | ACCE | |
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Ernesto Viscarra | Wells Fargo | 46110532 | Profile | Occupy Bernal |
| Sheila Walsh | Wells Fargo | 0999083991 | Profile | ACCE | |
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Yin Wong | PNC | Profile | ACCE |
| Pic | Name | Lender | Loan # | Profile | Home Defenders |
|---|---|---|---|---|---|
 |
Don and Tina Baird | Chase (Washington Mutual) | ACCE | ||
Jemal and Jamila Mohamed Getu have raised their two children in the home they bought eight years ago in San Francisco’s Bayview neighborhood. As a nursing assistant and bell man, they saved up money to put a substantial down payment to realize their dream of owning a home where their kids can play.
Their loan bounced through several bank bankruptcies while they spent a lot of their savings fixing up their home. When Jamila went on medical disability due to a work injury in 2008, the family could no longer make all of their mortgage payments, so they tried to refinance with loan servicer Citibank multiple times in 2009. However, Citibank refused a loan modification due to their credit score. Then, their home loan moved to Vericrest.
Like so many families, Jamila and Jemal were scammed by a “loan modification” company, who promised that they would get Jamila and Jemel a modification. An attorney accepted fees for two years without providing any help.
To buy the house, the family had made a down payment of $70,000 and, in the six years before the loan became unaffordable, made $205,000 in loan payments, for a total of $275,000. Despite all the money they paid, Vericrest auctioned off their home in August 2012.
The Mohamed Getu’s have been to eviction court three times and have only a short time left in their home unless the bank agrees to stop the eviction, rescind the foreclosure sale, and offer them a fair deal loan modification.
Jamila and Jemal’s story is one of many similar stories where banks have refused to work with families, demanding payments for a loan that are now higher than the actual value of the house.
Vericrest CEO David Schneider — who was formerly the head of Washington Mutual, JP Morgan, and CITI mortgage, and who the FDIC charged with illegal banking practices — has the power to make it possible for Jamila and Jemal to stay in their home.
We are demanding that Vericrest and its CEO David Schneider do the right thing.
STOP the eviction of Jamila and Jemal Getu, RESCIND the foreclosure, and work with them for a fair loan modification with principal reduction as needed.
Links: Alert Upcoming Bank Auctions of Foreclosure/Eviction Fighter Homes Foreclosure/Eviction Fighter Profiles
Larry Faulks’ family has owned their Diamond Heights home since it was first built in 1962. He’s 59 now and is disabled. He lives with his disabled brother and a renter. It’s where he and his brother grew up.
He first applied for a mortgage modification after becoming disabled due to a serious illness and failed surgery in 2010. Wells Fargo Bank lost documents again and again and again, then sold his house at a foreclosure auction to an investor from DMG Asset Management on May 17, 2012, without even notifying him about the sale. Wells Fargo sold the house before approving or denying the modification. Larry believes that this dual-tracking was banned in the April 2011 Enforcement Action by the Comptroller.
DMG Asset Management, the company that bought the house, planned to evict him on October 10, 2012, but postponed the eviction when Occupy and ACCE protested, demanding that DMG sell the home back to Wells Fargo for a loan modification. Even though Wells came to the table for negotiations, DMG has not postponed the eviction again. DMG plans to evict Larry on November 7, 2012.
Larry complained about the sale to the Comptroller, the HUD liaison to the White House, Senator Feinstein’s office, HUD, HAMP, the Dept. of the Treasury, and the Comptroller of the Currency conducted an investigation. Wells Fargo responded with three conflicting explanations of what happened. These explanations contained errors, omissions, and misleading statements.
Larry can prove with hard evidence that Wells Fargo misled these people and agencies. He has five letters from Wells Fargo that promised not to sell the house while a loan modification was under review. Nonetheless, after Wells Fargo gave these people and agencies their conflicting explanations, his case was closed.
The house was not underwater. Using the numbers that the bank presented at the auction, he had upwards of a $1 million in equity that’s now vanished. There was no speculation involved — he inherited the house in 2007. His family has owned the house for 50 years.
Links: Wells 27 Action Flyer (four to page) Wells Pays $175 Million to Resolve Allegations of Racial Discrimination in Providing Mortgage Loans Larry Faulks Profile Larry Faulks Eviction Witness DMG Asset Management Profile Occupy DMG Home Action Occupy Wells Fargo Noe Branch SF Chronicle Coverage Bay Area Reporter Coverage Occupy Wells Fargo HQ Occupy Senior and Veteran Evictions and Foreclosures (Occupy Anniversary) Upcoming Bank Auctions of Foreclosure/Eviction Fighter Homes Foreclosure/Eviction Fighter Profiles
Alice Smith is a foster care mother of five special needs children, all under the age of 4 years old. If PennyMac evicts her, the children will be displaced and most likely be placed into an emergency care facility, not a home. She has cared for these children for most of their lives. They have been removed from homes that were unstable and evicting them would negatively impact their lives.
Alice lost income first when her Vietnam veteran husband cut off all contact rather than obtaining VA benefits to get treatment for PTSD and to support the family. Retirement from work outside of the home and drastic cuts in funding for foster care further diminished Alice’s income, but she didn’t want to give up the foster children in her care, so she forged ahead. Her income has recovered enough at this point to make regular payments on a fair deal mortgage loan.
Alice is currently working with Nancy Pelosi’s office, ACCE, and Occupy Bernal to reverse the foreclosure with Citigroup / PennyMac and to obtain a fair deal loan modification so she and her five foster children can remain in their home.
Link: Alert
Josephine Tolbert is a senior who reclaimed her foreclosed home from Bank of America through protests.