Foreclosed Homeowners Re-Occupy Their Homes November 25, 2011Posted by rogerhollander in Economic Crisis, Housing/Homelessness, Occupy Wall Street Movement, Racism.
Tags: #occupy movement, carolyn gage, evictions, forclosures, foreclosure crisis, home eviction, housing foreclosures, predatory lending, racism, roger hollander, zaineb mohammed
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SAN FRANCISCO – Carolyn Gage was evicted from her foreclosed home in January. Earlier this month, she moved back in.
“I’ve been in here for 50 years. I know no other place but here. I left and it was just time for me to come back home,” said Gage, who is in her mid-50s.
Gage’s monthly payments spiked after her adjustable rate mortgage kicked in, and she could no longer afford the payments on her three-bedroom house in the city’s Bayview Hunters Point district. She says she tried to modify her loan with her lender, Florida-based IB Properties, but to no avail.
When Gage initially left about 10 months ago, she took some personal items with her, but left most of the furniture and continued paying for some utilities.
“It didn’t feel right for me to move. I just left my things because I knew I was going to return to them eventually,” she said.
She had to re-activate a few utilities when she returned, like the water, but found the process fairly easy.
Walking back into the house was an emotional moment for Gage, but a joyous one.
“I was like Dorothy in the Wizard of Oz; there’s no place like home,” Gage said. “It’s a family home; I plan to stay there.”
Gage was one of about two dozen homeowners who gathered Tuesday for a community potluck on Quesada Avenue for residents facing foreclosure and are refusing to leave their homes.
Homeowners expressed outrage at the way predatory lenders have targeted their community.
Residents of the Bayview are starting to see how the African-American community was especially victimized in the foreclosure crisis.
Gage believes that single women and elders in the black community were targeted for predatory loans. At the peak of the housing boom she was solicited for an adjustable rate loan to do some home improvements, even though she told the loan agent that she was on disability and did not have a steady income.
According to a report released last week by the Center for Responsible Lending, African Americans and Latinos were consistently more likely than whites to receive high-risk loan products. About a quarter of all Latino and African-American borrowers have lost their homes to foreclosure or are seriously delinquent, compared to under 12 percent for white borrowers.
Bayview residents Reverend Archbishop Franz King and Reverend Mother Marina King, who are founders of the St. John Coltrane African Orthodox Church, are also facing foreclosure. Their eviction date is set for Dec. 22.
King expressed deep anger and sorrow at the situation facing the black community in the Bayview.
“First redevelopment moved us out of the Fillmore and now we’re losing our properties too? It’s like there’s nowhere for us to go,” he said.
Grace Martinez, an organizer with Alliance of Californians for Community Empowerment (ACCE) who helped to arrange the event, commented that banks have become increasingly hostile to their efforts. “They call the police on us; they laugh at us.”
Vivian Richardson, a homeowner on Quesada Avenue whose house was also foreclosed on, also has no intention of leaving. Her current eviction date is set for Dec. 31, but she, like many of her neighbors, is asking her lender to reduce the principal on her loan in order to make the monthly payments more affordable.
Richardson has been attempting to modify her home loan for the past two years. Earlier this month, tired of the lack of communication from the lender, Aurora Loan Services based in Delaware, she worked with ACCE to coordinate an e-mail blast to Aurora’s chairman.
On Nov. 3, over the span of one to two hours, approximately 1,400 emails were sent and more than 100 phone calls made, imploring Chairman Theodore P. Janulis to stop Richardson’s eviction. A spokesperson from the bank called her an hour after the blast and asked her to send an updated set of financial information so that they could review her case.
Two weeks have passed and she has yet to hear anything further. The bank spokesperson commented that Richardson’s case is still being reviewed internally and they hope to get back to her by the end of next week.
However, Richardson has lived in her house for 13 years and plans to stay regardless of the bank’s decision.
“I will defend the home,” she said.
On Dec. 6, there will be a national day of action, “Occupy Our Homes,” where people across the country facing predicaments similar to Gage and Richardson may follow their lead.
Partly inspired by the Occupy movement, the day of action is supported by various community organizations like Take Back the Land and ACCE. The call to action is for people to move back into their foreclosed properties and to defend the properties of families facing eviction.
Martinez commented on the growing anger people are feeling. “The idea is, ‘I want what’s mine.’” She said many homeowners had trusted the banks and ultimately, “People were buying into a lie.”
#OccupyTogether: The Best Among Us October 1, 2011Posted by rogerhollander in Economic Crisis, Revolution.
Tags: chris hedges, civil disobedience, Economic Crisis, eviction, home eviction, mass movement, occupy together, occupy wall street, revolution, roger hollander, unemployment, Wall Street
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There are no excuses left. Either you join the revolt taking place on Wall Street and in the financial districts of other cities across the country or you stand on the wrong side of history. Either you obstruct, in the only form left to us, which is civil disobedience, the plundering by the criminal class on Wall Street and accelerated destruction of the ecosystem that sustains the human species, or become the passive enabler of a monstrous evil. Either you taste, feel and smell the intoxication of freedom and revolt or sink into the miasma of despair and apathy. Either you are a rebel or a slave.
To be declared innocent in a country where the rule of law means nothing, where we have undergone a corporate coup, where the poor and working men and women are reduced to joblessness and hunger, where war, financial speculation and internal surveillance are the only real business of the state, where even habeas corpus no longer exists, where you, as a citizen, are nothing more than a commodity to corporate systems of power, one to be used and discarded, is to be complicit in this radical evil. To stand on the sidelines and say “I am innocent” is to bear the mark of Cain; it is to do nothing to reach out and help the weak, the oppressed and the suffering, to save the planet. To be innocent in times like these is to be a criminal. Ask Tim DeChristopher.
Choose. But choose fast. The state and corporate forces are determined to crush this. They are not going to wait for you. They are terrified this will spread. They have their long phalanxes of police on motorcycles, their rows of white paddy wagons, their foot soldiers hunting for you on the streets with pepper spray and orange plastic nets. They have their metal barricades set up on every single street leading into the New York financial district, where the mandarins in Brooks Brothers suits use your money, money they stole from you, to gamble and speculate and gorge themselves while one in four children outside those barricades depend on food stamps to eat. Speculation in the 17th century was a crime. Speculators were hanged. Today they run the state and the financial markets. They disseminate the lies that pollute our airwaves. They know, even better than you, how pervasive the corruption and theft have become, how gamed the system is against you, how corporations have cemented into place a thin oligarchic class and an obsequious cadre of politicians, judges and journalists who live in their little gated Versailles while 6 million Americans are thrown out of their homes, a number soon to rise to 10 million, where a million people a year go bankrupt because they cannot pay their medical bills and 45,000 die from lack of proper care, where real joblessness is spiraling to over 20 percent, where the citizens, including students, spend lives toiling in debt peonage, working dead-end jobs, when they have jobs, a world devoid of hope, a world of masters and serfs.
Protesters march past Federal Hall on Wall Street on Monday. The Occupy Wall Street protest is in its second week in New York City as demonstrators speak out against corporate greed and social inequality. (AP / Louis Lanzano)
The only word these corporations know is more. They are disemboweling every last social service program funded by the taxpayers, from education to Social Security, because they want that money themselves. Let the sick die. Let the poor go hungry. Let families be tossed in the street. Let the unemployed rot. Let children in the inner city or rural wastelands learn nothing and live in misery and fear. Let the students finish school with no jobs and no prospects of jobs. Let the prison system, the largest in the industrial world, expand to swallow up all potential dissenters. Let torture continue. Let teachers, police, firefighters, postal employees and social workers join the ranks of the unemployed. Let the roads, bridges, dams, levees, power grids, rail lines, subways, bus services, schools and libraries crumble or close. Let the rising temperatures of the planet, the freak weather patterns, the hurricanes, the droughts, the flooding, the tornadoes, the melting polar ice caps, the poisoned water systems, the polluted air increase until the species dies.
Who the hell cares? If the stocks of ExxonMobil or the coal industry or Goldman Sachs are high, life is good. Profit. Profit. Profit. That is what they chant behind those metal barricades. They have their fangs deep into your necks. If you do not shake them off very, very soon they will kill you. And they will kill the ecosystem, dooming your children and your children’s children. They are too stupid and too blind to see that they will perish with the rest of us. So either you rise up and supplant them, either you dismantle the corporate state, for a world of sanity, a world where we no longer kneel before the absurd idea that the demands of financial markets should govern human behavior, or we are frog-marched toward self-annihilation.
Click here to access OCCUPY TOGETHER, a hub for all of the events springing up across the country in solidarity with Occupy Wall St.
Chris Hedges writes a regular column for Truthdig.com. Hedges graduated from Harvard Divinity School and was for nearly two decades a foreign correspondent for The New York Times. He is the author of many books, including: War Is A Force That Gives Us Meaning, What Every Person Should Know About War, and American Fascists: The Christian Right and the War on America. His most recent book is Empire of Illusion: The End of Literacy and the Triumph of Spectacle.