Rev. David Bullock addresses crowd at Kick-Off Rally to Stop Government Foreclosures of Our Homes, Feb. 13, 2013.
U.S. govt. agencies behind majority of 16 million foreclosures, evictions
Ground-breaking federal ‘due process’ Mandry case to be heard Wed. Feb. 20, 2 pm, before U.S. District Court Judge Nancy Edmunds
By Diane Bukowski
February 15, 2013
DETROIT – Foreclosed homeowners, community leaders, and activists from the metropolitan Detroit area rallied Feb. 13 against what they called “Hurricanes Fannie Mae and Freddie Mac,” the federal agencies currently responsible for most foreclosures and evictions. They demanded that President Barack Obama issue an executive order declaring a moratorium on all such actions.
The group also announced a ground-breaking federal lawsuit demanding Fifth Amendment “due process” hearings before foreclosures, which can expose bank fraud and predatory lending. U. S. District Court Judge Nancy Edmunds will hear a motion by federal agencies and the Bank of America to dismiss the case on Wed. Feb. 20, at 2 p.m. at 321 W. Lafayette. The case was filed by Attorney Jerry Goldberg on behalf of Ray Mandry of Canton, Michigan, a disabled Vietnam veteran.
Attorney Vanessa Fluker
“This was a set-up,” Attorney Vanessa Fluker told a packed auditorium at the Metro Detroit AFL-CIO headquarters in downtown Detroit. “The government bailed out the banks during the mortgage meltdown, then gave them the power over loan modifications instead of giving it to the people. It took over Fannie Mae and Freddie Mac, which then insured toxic, predatory loans so that the banks would get paid the full mortgage balance instead of the market value of the homes.”
Fluker, whose practice is devoted to foreclosures and evictions, testified before a House Judiciary Committee panel in Washington, D.C. in 2010.
“People are still being thrown out on the streets every day,” Fluker explained. “We don’t go to court with them because we will win through litigation, we go to court to fight what is being done with our tax dollars by the Federal Housing Finance Agency [FHFA—the conservator for Fannie Mae and Freddie Mac] to evict millions of people. Entire communities are being destroyed. I challenge everyone to take this another step. We need people in the streets. There have been 10.9 million foreclosures since 2007, and it is estimated there will be another six million from 2012-13.”
Homeowner Angela Crockett
The rally featured personal testimonials from homeowners who have fought foreclosure and eviction, assisted by the Moratorium NOW! Coalition, People Before Banks, Detroit Eviction Defense, Occupy Detroit, and others.
Angela Crockett of Detroit said she was making payments on her mortgage through an assistance program beginning in June, 2011, with the promise she would not be subject to foreclosure.
“Then the insurance agent told me they were not making payments into escrow any more against foreclosures,” Crockett said. A Sheriff’s deed was issued at the end of 2011, but Crockett said she began a court fight with the assistance of attorneys Fluker, Jerry Goldberg, and Bob Day.
Homeowner Ray Mandry
“Don’t ever sign a consent agreement in court,” Crockett warned. “You give up all your rights. You have a right to fight and defend yourself against eviction, against losing your home. I thought about the fact that mine and my mother’s tax dollars were being used to put us in the street. I encourage people not to be afraid, to be warriors.”
Ray Mandry’s lawsuit, to be heard Feb. 20, says that because Fannie Mae and Freddie Mac are governmental agencies, they are subject to the Fifth Amendment, and therefore must give due process before foreclosure and eviction.
Homeowner Bob Goss
“I lost my job in 2010,” Mandry said. “I was looking for work. We sold my wife’s car, furniture and jewelry, did whatever we could to pay the mortgage. In March 2011, we contacted the Bank of America for a loan modification. They wanted everything, W-2’s, tax returns, blood samples, but when they asked for stool samples, I decided to fight,” he added sarcastically.
“They sent me a letter they were not going to meet with me or grant a modification. Then they snuck the sheriff in in the middle of the night, but we’re still fighting. The bank did not provide everything they were supposed to do by law. They don’t have the right to take our homes and property without due process. You are warriors, fight, don’t roll over.”
Homeowner Jerome Jackson
Bob Goss of Troy said he asked his bank for a loan modification, supposed to be guaranteed under President Barack Obama’s TARP (Troubled Asset Relief Program), which bailed out the banks. He said he repeatedly sent all the documents required, but the bank kept claiming they had lost various pages. He contacted numerous government officials to no avail, and his house was sold five days before he even knew there was a sheriff’s deed on it. He and attorney Fluker are continuing to fight his case in court.
Other homeowners speaking were Jennifer Britt and Jerry Cullors of Detroit, as well as Jerome Jackson of Inkster. Their struggles have been covered in Voice of Detroit. For the sake of brevity, links to those stories are included at the end of this story.
Homeowner Jennifer Britt
Attorney Joe McGuire and Steve Babson of Detroit Eviction Defense and People Before Banks said the coalition has been conducting weeks-long encampments in front of homes, to physically stop evictions as masses of people did during the 1930’s Great Depression.
They said they organize neighbors, who have carried out actions like parking their cars all over the streets and property to stop a dumpster from being placed, and filling dumpsters with debris. In one case, a homeowner laid in her doorway until a representative of the bank involved agreed to meet with her.
Attorney Joe McGuire
“The best lawyers can do is fight in court while we fight in the streets,” McGuire said. “We get the public as well to pressure the banks through emails, fliers, phone calls and the internet. The banks don’t want their dirty laundry aired in public.”
He noted that homeowners in Spain just won a two-year moratorium on foreclosures during this global economic meltdown.
Attorney Jerry Goldberg of the Moratorium NOW! Coalition to Stop Foreclores, Evictions and Utility Shut-offs, analyzed the struggle to date. He said the group first asked former Michigan Governor Jennifer Granholm to declare a state of emergency in Michigan so a moratorium could be declared, but that Granholm responded, “The banks wouldn’t like it.”
Groups blocked eviction of homeowner Dec. 6, 2011.
“In the 1930,’s, Michigan had a five-year moratorium on foreclosures and evictions,” Goldberg said. “Such moratoriums were enacted in 25 other states as well. They involved an automatic stay on foreclosures, with a mandate that a judge hear the case to give the homeowner an affordable payment schedule.”
Attorney Jerome Goldberg
Goldberg said Hurricane Fannie-Freddie is chiefly responsible for the devastation of Detroit.
“Detroit wouldn’t have lost 250,000 people, neighborhoods wouldn’t look like bombs had been dropped on them, if Granholm had enacted our demand for a moratorium in 2007,” Goldberg said. “Today, the case for a moratorium is stronger than ever. In 2008, Fannie Mae and Freddie Mac were taken over by the federal government. The Federal Reserve spent $2 trillion dollars to buy out defaulted mortgages; there has been $180 billion of taxpayers’ money paid to the banks. This is a complete government takeover of the mortgage industry.”
He reiterated a demand that the Moratorium NOW! Coalition has been making for several years, that President Barack Obama issue an executive order declaring an emergency moratorium on all foreclosures and evictions because housing is a “fundamental human right.”
Upcoming events:
For further information:
Detroit Eviction Defense @ https://twitter.com/EvictDefense or DetroitEvictionDefense@gmail.com
People Before Banks @ http://www.peoplebeforebanks.org and Steve Babson at 313-882-4009
Moratorium NOW! Coalition @ 313-744-7912 and https://www.facebook.com/pages/Moratorium-NOW-Coalition/243268662379197
UAW Local 600 c/o AJ @ 313-429-5009
Related VOD articles:
http://voiceofdetroit.net/2012/05/31/flagstar-stop-the-britt-family-eviction/
Related documents:
To see the enormity of the government’s effort to stop Ray Mandry’s precedent-setting 5th Amendment countersuit, click on Ray Mandry federal docket. Copy of initial complaint will be appended shortly.
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My {coder|programmer|developer} is trying to {persuade|convince} me to move to .net from
PHP. I have always disliked the idea because
of the {expenses|costs}. But he’s tryiong none the less. I’ve been using {Movable-type|WordPress} on {a number of|a variety of|numerous|several|various}
websites for about a year and am {nervous|anxious|worried|concerned} about switching to another platform.
I have heard {fantastic|very good|excellent|great|good} things about blogengine.net.
Is there a way I can {transfer|import} all my wordpress {content|posts}
into it? {Any kind of|Any} help would be {really|greatly} appreciated!|
{Hello|Hi|Hello there|Hi there|Howdy|Good day}!
I could have sworn I’ve {been to|visited} {this
blog|this web site|this website|this site|your
blog} before but after {browsing through|going through|looking at} {some
of the|a few of the|many of the} {posts|articles} I realized it’s new
to me. {Anyways|Anyhow|Nonetheless|Regardless}, I’m {definitely|certainly} {happy|pleased|delighted} {I found|I discovered|I came across|I stumbled upon}
it and I’ll be {bookmarking|book-marking} it and checking back
{frequently|regularly|often}!|
{Terrific|Great|Wonderful} {article|work}! {This
is|That is} {the type of|the kind of} {information|info} {that are meant to|that are supposed to|that should} be shared {around the|across the} {web|internet|net}.
{Disgrace|Shame} on {the {seek|search} engines|Google} for {now not|not|no longer} positioning this {post|submit|publish|put up} {upper|higher}!
Come on over and {talk over with|discuss with|seek advice from|visit|consult with} my {site|web site|website} .
{Thank you|Thanks} =)|
Heya {i’m|i am} for the first time here. I
{came across|found} this board and I find It {truly|really} useful & it helped me out
{a lot|much}. I hope to give something back and {help|aid} others like you {helped|aided} me.|
{Hi|Hello|Hi there|Hello there|Howdy|Greetings}, {I think|I believe|I do believe|I do think|There’s no doubt that} {your site|your
website|your web site|your blog} {might be|may be|could be|could possibly be} having {browser|internet browser|web browser}
compatibility {issues|problems}. {When I|Whenever I} {look at your|take a look
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in {Internet Explorer|IE|I.E.}, {it has|it’s got} some overlapping issues.
{I just|I simply|I merely} wanted to {give you a|provide you with a}
quick heads up! {Other than that|Apart from that|Besides
that|Aside from that}, {fantastic|wonderful|great|excellent} {blog|website|site}!|
{A person|Someone|Somebody} {necessarily|essentially} {lend a hand|help|assist} to make
{seriously|critically|significantly|severely} {articles|posts} {I would|I might|I’d} state.
{This is|That is} the {first|very first} time I frequented your {web page|website page} and {to
this point|so far|thus far|up to now}? I {amazed|surprised} with the {research|analysis} you made
to {create|make} {this actual|this particular} {post|submit|publish|put up} {incredible|amazing|extraordinary}.
{Great|Wonderful|Fantastic|Magnificent|Excellent} {task|process|activity|job}!|
Heya {i’m|i am} for {the primary|the first}
time here. I {came across|found} this board and I {in finding|find|to find}
It {truly|really} {useful|helpful} & it helped me out {a lot|much}.
{I am hoping|I hope|I’m hoping} {to give|to offer|to provide|to present} {something|one thing} {back|again} and {help|aid} others {like you|such
as you} {helped|aided} me.|
{Hello|Hi|Hello there|Hi there|Howdy|Good day|Hey there}!
{I just|I simply} {would like to|want to|wish to} {give you a|offer you
a} {huge|big} thumbs up {for the|for your} {great|excellent} {info|information} {you have|you’ve got|you have got} {here|right here} on this post.
{I will be|I’ll be|I am} {coming back to|returning to} {your blog|your site|your
website|your web site} for more soon.|
I {always|all the time|every time} used to {read|study} {article|post|piece of writing|paragraph} in news
papers but now as I am a user of {internet|web|net} {so|thus|therefore} from
now I am using net for {articles|posts|articles or reviews|content},
thanks to web.|
Your {way|method|means|mode} of {describing|explaining|telling} {everything|all|the whole thing} in
this {article|post|piece of writing|paragraph}
is {really|actually|in fact|truly|genuinely} {nice|pleasant|good|fastidious}, {all|every one} {can|be
able to|be capable of} {easily|without difficulty|effortlessly|simply} {understand|know|be aware of} it, Thanks a lot.|
{Hi|Hello} there, {I found|I discovered} your {blog|website|web site|site} {by means of|via|by the use of|by way of} Google {at the same time as|whilst|even as|while} {searching for|looking for} a {similar|comparable|related} {topic|matter|subject}, your {site|web site|website} {got here|came}
up, it {looks|appears|seems|seems to be|appears to be like} {good|great}.
{I have|I’ve} bookmarked it in my google bookmarks.
{Hello|Hi} there, {simply|just} {turned into|became|was|become|changed into} {aware
of|alert to} your {blog|weblog} {thru|through|via} Google, {and found|and
located} that {it is|it’s} {really|truly} informative.
{I’m|I am} {gonna|going to} {watch out|be careful} for brussels.
{I will|I’ll} {appreciate|be grateful} {if you|should you|when you|in the event you|in case you|for
those who|if you happen to} {continue|proceed} this {in future}.
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be|will probably be|can be|will likely be} benefited {from your|out of your} writing.
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{I am|I’m} curious to find out what blog {system|platform} {you have
been|you happen to be|you are|you’re} {working with|utilizing|using}?
I’m {experiencing|having} some {minor|small} security {problems|issues} with my latest {site|website|blog} and {I would|I’d} like to find something more {safe|risk-free|safeguarded|secure}.
Do you have any {solutions|suggestions|recommendations}?|
{I am|I’m} {extremely|really} impressed with your writing skills {and also|as well as}
with the layout on your {blog|weblog}. Is this a paid theme or did you {customize|modify} it yourself?
{Either way|Anyway} keep up the {nice|excellent} quality writing, {it’s|it is} rare to
see a {nice|great} blog like this one {these days|nowadays|today}.|
{I am|I’m} {extremely|really} {inspired|impressed} {with your|together with your|along with your} writing {talents|skills|abilities} {and also|as {smartly|well|neatly}
as} with the {layout|format|structure} {for your|on
your|in your|to your} {blog|weblog}. {Is this|Is that this} a paid
{subject|topic|subject matter|theme} or did you {customize|modify} it {yourself|your self}?
{Either way|Anyway} {stay|keep} up the {nice|excellent} {quality|high quality} writing, {it’s|it is} {rare|uncommon} {to
peer|to see|to look} a {nice|great} {blog|weblog} like this one
{these days|nowadays|today}..|
{Hi|Hello}, Neat post. {There is|There’s} {a problem|an issue} {with your|together with your|along with
your} {site|web site|website} in {internet|web}
explorer, {may|might|could|would} {check|test} this? IE {still|nonetheless}
is the {marketplace|market} {leader|chief} and {a large|a
good|a big|a huge} {part of|section of|component to|portion
of|component of|element of} {other folks|folks|other people|people} will {leave out|omit|miss|pass over} your
{great|wonderful|fantastic|magnificent|excellent} writing {due to|because
of} this problem.|
{I’m|I am} not sure where {you are|you’re} getting your
{info|information}, but {good|great} topic.
I needs to spend some time learning {more|much more}
or understanding more. Thanks for {great|wonderful|fantastic|magnificent|excellent} {information|info}
I was looking for this {information|info} for my mission.|
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