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Occupy Homes: New Coalition Links Homeowners, Activists in Direct Action to Halt Foreclosures

by: Amy Goodman, Democracy Now!

A loose-knit coalition of activists known as “Occupy Homes” is working to stave off pending evictions by occupying homes at risk of foreclosure when tenants enlist its support. The movement has recently enjoyed a number of successes. We speak with Monique White, a Minneapolis resident who is facing foreclosure and recently requested the help of Occupy Minneapolis. Now two dozen of its members are occupying her home in order to stave off eviction. We are also joined by Nick Espinosa, an organizer with Occupy Minneapolis, and Max Rameau, a key organizer with Take Back the Land, who for the past five years has worked on direct actions that reclaim and occupy homes at risk of foreclosure. “The banks are actually occupying our homes,” Rameau says. “This sets up for an incredible movement, where we have a one-two punch. On the one hand, we’re occupying them on their turf, and on the other, we’re liberating our own turf so that human beings can have access to housing, rather than them sitting vacant so that corporations can benefit from them sometime in the future.”

AMY GOODMAN: Bloomberg News is reporting U.S. foreclosure filings rose 7 percent in October to a seven-month high. It attributes the spike to lenders speeding up action against delinquent borrowers.

Well, we turn now to an offspring of the Occupy Wall Street movement: the Occupy Homes movement. The loose-knit coalition of activists aim to stave off pending evictions by occupying homes at risk of foreclosure when tenants enlist their support.

The movement has recently enjoyed a number of successes. In New York, Occupy Wall Street protesters occupied a derelict Harlem building’s boiler room until the landlord agreed to provide adequate heat and hot water to tenants. Meanwhile, in California, Occupy Los Angeles protesters held a vigil outside a home at risk of foreclosure, then organized a sit-in at the Pasadena regional office of Fannie Mae. The bank eventually called off the eviction and agreed to renegotiate the homeowner’s mortgage.

And in Minnesota, a woman is crediting the support of Occupy protesters in helping her gain more time to move out of her foreclosed home. Ruth Murman, a small business owner who has not received a paycheck in three years, explained how the Occupy Minneapolis movement helped her.

RUTH MURMAN: Hi, my name is Ruth Murman. And U.S. Bank was foreclosing on my property, and I needed two more weeks before I could get moved out. And they would not give it to me, until I started working with Occupy Minnesota, who has helped me now to get the two extra weeks that my father and I need to be moved out of my house. And if this is happening to you or anything similar, then come down and stand with Occupy Minnesota and allow them to help you. And even if this isn’t happening to you, come down and support Occupy Minnesota, because this is finally how things are being accomplished.

AMY GOODMAN: That was homeowner Ruth Murman explaining how Occupy Minnesota protesters helped her delay her eviction. Shortly afterward, U.S. Bank and GMAC contacted Ruth repeatedly to settle the dispute.

Well, for more on the Occupy movement around homes, we’re joined by three guests. In Minneapolis, we’re joined by Nick Espinosa, an organizer with Occupy Minneapolis who has helped local residents stave off evictions. He’s with Monique White, a Minneapolis resident who is facing foreclosure. She recently requested the help of Occupy Minneapolis, and now two dozen of its members are occupying her home. And here in New York, we’re joined by Max Rameau, an organizer with the Take Back the Land movement. For five years, Max has had—has worked on direct actions that reclaim and occupy foreclosed homes.

We want to welcome you all to Democracy Now! Nick Espinosa, talk about the Occupy movement’s focus on preventing foreclosures.

NICK ESPINOSA: Well, thanks for having me here. I’m a longtime fan, and it’s an honor to be here.

We are—we’re focusing on foreclosed homes now. We believe that it’s time for us to bridge the gap between the protests that are happening on Wall Street and the communities that are most affected by this crisis. That’s how we—that’s how we got in touch with Monique, and that’s why we’re bringing the fight into communities like North Minneapolis, which has seen about 40 percent of Minneapolis’s foreclosures, even though there’s 13 percent of the homes there. So we see this as an incredible opportunity to expand the Occupy movement and to bring it into communities and neighborhoods.

AMY GOODMAN: Can you talk, Monique White, about what happened to you?

MONIQUE WHITE: A little bit. Basically what happened was, due to—I was at my job for almost 11 years, and due to budget cuts—it was a nonprofit organization—they went out of business. My house went into foreclosure. I worked with U.S. Bank to try to modify or redo my loan in order for it to be affordable for me to keep my home. And the way I found out that my house was going into foreclosure was I called the gas company, and they basically told me that I needed to get in contact with my mortgage company. And at that time—that was like two weeks ago—I found out that my house had actually been foreclosed in January.

AMY GOODMAN: And so, how did you reach out—


AMY GOODMAN: How did you reach out to Occupy Minneapolis?

MONIQUE WHITE: Basically, a couple of people put me in touch with Occupy Minnesota. I went down and basically told my story, and they were willing to reach out and help me in every way possible to keep my home.

AMY GOODMAN: And so, what is happening right now? Folks are living with you in your house, Monique?

MONIQUE WHITE: Yes, ma’am, they’re basically occupying my yard and my home. And they’ve been very supportive.

AMY GOODMAN: And what has been the response of the bank?

MONIQUE WHITE: We got a call yesterday. Basically, we more or less put on the table what we’re requesting. Right now, at this point, one of the persons that we spoke to yesterday basically said they would take everything back to the table and speak with their people. So we’re hoping to hear something from somebody by no later than next week.

AMY GOODMAN: Max Rameau, talk about the Take Back the Land movement and how this story in Minneapolis fits into the broader national story.

MAX RAMEAU: Well, there’s no doubt that this tendency that seems to be emerging with some of the Occupy sites, moving towards helping out with foreclosed homes and vacant homes, is an incredible development and is going to help a lot of people and save a lot of homes. So we’ve been—at Take Back the Land, since 2006, we’ve been identifying vacant government-owned and foreclosed homes, breaking into them, and moving homeless people into peopleless homes. And then—

AMY GOODMAN: I mean, I saw you in New Orleans.


AMY GOODMAN: After Katrina.

MAX RAMEAU: And we’re doing that there, as well. And then we’re—and then we, of course, defend the families against eviction once that happens. And we call that “liberating homes.” So, right now, the Occupy movement is going to the place—is taking the fight to the people who are making this economy so bad and making it tough on so many people, and they’re occupying those spaces. The banks are occupying many of our homes. And we are removing the banks from their occupation, and we’re liberating those homes.

AMY GOODMAN: So you’re saying, in this case, it’s already foreclosed homes that are empty.

MAX RAMEAU: Well, in some cases, yes. In other cases, foreclosed homes that are not yet empty, because the people, the families living there, haven’t been evicted yet. But either way, we’re liberating those homes for families, not occupying. The banks are actually occupying our homes. We’re in there, a liberation. I think this makes an—sets up for an incredible movement, where we have a one-two punch. On the one hand, we’re occupying them on their turf, and on the others, we’re liberating our own turf so that human beings can have access to housing, rather than them sitting vacant so that corporations can benefit from them sometime in the future.

AMY GOODMAN: And what have been the banks’ responses? Can you give us examples?

MAX RAMEAU: Well, it’s been mixed. But in many instances, with some of the Take Back the Land actions that have happened over the past five years, the police have come to execute the eviction, we’ve been there with a lot of people willing to take arrests—certainly not the numbers that we’ve seen at Occupy, but we’ve been there with people willing to take arrests—and in many instances, the police have just left. And the banks have waited for things to quiet down before they make a second run at it.

Now, with this Occupy movement ramping up, I think we have a significant chance to keep large numbers of people in their homes, which is one level. And it seems like we’re seeing some levels of success right now with that in L.A. City Life/Vida Urbana in Boston has been doing an incredible job with that. The next step, then, is going to be to secure those homes, make sure people get to stay there, liberate them, and then force that—not only force the banks to allow the families to stay in the home, but also then force policy changes that would help thousands of other people for whom we’re not doing eviction defenses.

AMY GOODMAN: How do you organize nationally?

MAX RAMEAU: We have a network of organizations. We’re not a national organization. We call ourselves a translocal network. We network local organizations. We have a nonprofit that allows organizers like myself to go and do trainings in different cities. But really, people are doing this on their own. They’re not doing it because we’re telling them to do it. They’re doing it because we just don’t have any other choice.

AMY GOODMAN: Give me an example of a house that was foreclosed, the family gone, that you, quote, “liberate,” that you go into, and what the bank’s response is, and the police, the local authorities’ response.

MAX RAMEAU: So, we’ve had a few in Miami that we’ve done. And we just did one in Chicago. There’s a young lady in Chicago named Martha who we moved into a vacant home that had been vacant for quite some time in Chicago. We went there, scouted out the neighborhood—and that’s through the Chicago Anti-Eviction Campaign—scouted out the neighborhood, looked at the house, found the house in good condition. Then we talked to all the neighbors and said, “Look, this place is empty. We have a family that needs a place to stay. We would like to move them. It will help out the family. It’ll improve your neighborhood, because you won’t have so many vacant homes in the neighborhood. We’d like to have your support for it.” And we held a press conference, moving the family in, and all of the neighbors came out and supported that. And we’re there, and the family is still there. And that’s been three months or so. And the neighbors have signed onto pledges agreeing that if the police come to try to evict that family, they’re going to block the eviction, physically block the eviction there. And that’s with the Chicago Anti-Eviction Campaign in Chicago.

AMY GOODMAN: Can you talk about the whole issue of robo-signing, this scandal, and families demanding that banks produce the note, like, “Show us you own this house”?

MAX RAMEAU: Right. So, if you—if someone lends you some money, they lend you 10 bucks, and you owe them 10 bucks, and then, you know, a few weeks later, I come to you, and I say, “Well, where’s the 10 bucks?” you say, “I didn’t borrow 10 bucks from you. That was from someone else.” I say, “No, no, no. They gave me—you know, they gave me that note. They gave me the thing, and then, here, I’ll prove it.” And I write out a note saying, “You now owe me 10 bucks,” and I sign it. Well, you know, there are some real questions you should have about whether or not you should actually be paying me or you should be paying the original person. There has to be some kind of way of showing that the person who you owe the 10 bucks to said that you should pay me instead of them.

And this is what’s happening with the banks. The banks are selling your note to other people, but there’s no real clear paper trail to prove that the bank who’s saying that they—that you owe them the money, that you actually owe them the money. And so, this is a very important legal tool to use, and people should use it, because the speed at which they were trying to plow through these mortgages and plow through these selling of these mortgages meant that they did not keep good paperwork, on one hand—

AMY GOODMAN: Not only that, saying—

MAX RAMEAU: And in many instances, there was out-and-out fraud.

AMY GOODMAN: Fabricating documents.

MAX RAMEAU: They were actually fabricating documents and pretending as if they had the note, when they actually didn’t. But I want to say one thing. Those are important loopholes that exist, and we should take advantage of those. In some ways, that’s besides the point. The reality is, the banks right now have the right to kick people out of their homes and make people homeless. We need to end that practice. We need to make enough housing available for people, that we’re not looking for robo-signed documents.

AMY GOODMAN: Monique White, one question—let me ask about Rose Gudiel. She received an eviction notice for her home in La Puente, a working-class suburb of Los Angeles. She enlisted the support of Occupy L.A.

ROSE GUDIEL: You can just see across the street, a few months ago, that house was taken away. These people left like they—from the night. From day to night, they were no longer there. I’m not going to stand for that. I’m not just going to flee from my home. I’m going to stay here, and I’m going to fight back, because it’s not just me. It’s many hard-working families that are losing their homes. And I hope that—

OCCUPY L.A. PROTESTER: Right on! Right on! Right on!

ROSE GUDIEL: And I hope that they see this and they start realizing that this is no shame. They’re just basically taking our families’ homes. They’re taking our American Dream. They took their American Dream, and they’re not going to take mine.


AMY GOODMAN: When thousands started to gather outside Los Angeles City Hall to launch Occupy L.A., Rose Gudiel went down and told her story to one of its first general assemblies. The group from Occupy L.A. joined the vigil at her home, and some stayed to camp out. Eventually, she received a letter from the bank saying her eviction had been called off, and soon she had a deal for a renegotiated mortgage. Nick Espinosa, talk about Rose’s case and how Occupy Homes is right there where you are in Minneapolis, in Minnesota, and what it’s meant, as we wrap up.

NICK ESPINOSA: Well, you know, it’s amazing that—how when we shine a light, with the attention that we’ve been getting, on cases like Monique’s or Ruth’s, how quickly these banks are actually able to negotiate with homeowners, when, across the country with people who are facing this crisis, they’re completely unwilling. And I believe that—it’s become clear that, as we continue this movement, we’ll see that they can, and they will, negotiate when the pressure is on. And we need this negotiation to happen not just for Monique and not just for Ruth and other families, but we need a grand bargain with banks to change the way that they negotiate with families, because right now they’re just throwing people out on the street, and that doesn’t do anyone any good. The neighbors are losing property value. Monique will be out on the street, potentially. Our schools are losing revenue. And the banks are selling these homes back at about a tenth of the cost. You know, a house across the street from Monique sold for $9,500. And they’re not willing to renegotiate with her on a $130,000 mortgage? It’s just complete and utter madness.

AMY GOODMAN: Finally, Monique, what this has meant to you? Were you ever linked in with a movement before?

MONIQUE WHITE: No, I wasn’t, just because I didn’t know. It was just, you know, word of mouth and talking to people that put me in touch with Occupy Minnesota. And I am blessed. And I want to thank Occupy Minnesota for coming into my life and being supportive and believing that this is a serious cause. So, I just want to thank people in Occupy for coming to my house.

AMY GOODMAN: Well, I want to thank you all for being with us, Monique White, Minneapolis resident who’s working with Occupy Minnesota—now two dozen members of its—of Occupy Minnesota are with her in her home in an effort to stave off her eviction; Nick Espinosa, with Occupy Minneapolis; and Max Rameau of Take Back the Land movement.

30 Responses

  1. It never was OUR government http://100777.com/myron

  2. I like it E.Tolle…except the the sentence that says “Our government is not for sale.” Because it IS.


  3. We Are The Many
    Lyrics and Music by Makana
    Makana Music LLC © 2011

    Download song for free here:

    We Are The Many

    Ye come here, gather ’round the stage
    The time has come for us to voice our rage
    Against the ones who’ve trapped us in a cage
    To steal from us the value of our wage

    From underneath the vestiture of law
    The lobbyists at Washington do gnaw
    At liberty, the bureaucrats guffaw
    And until they are purged, we won’t withdraw

    We’ll occupy the streets
    We’ll occupy the courts
    We’ll occupy the offices of you
    Till you do
    The bidding of the many, not the few

    Our nation was built upon the right
    Of every person to improve their plight
    But laws of this Republic they rewrite
    And now a few own everything in sight

    They own it free of liability
    They own, but they are not like you and me
    Their influence dictates legality
    And until they are stopped we are not free

    We’ll occupy the streets
    We’ll occupy the courts
    We’ll occupy the offices of you
    Till you do
    The bidding of the many, not the few

    You enforce your monopolies with guns
    While sacrificing our daughters and sons
    But certain things belong to everyone
    Your thievery has left the people none

    So take heed of our notice to redress
    We have little to lose, we must confess
    Your empty words do leave us unimpressed
    A growing number join us in protest

    We occupy the streets
    We occupy the courts
    We occupy the offices of you
    Till you do
    The bidding of the many, not the few

    You can’t divide us into sides
    And from our gaze, you cannot hide
    Denial serves to amplify
    And our allegiance you can’t buy

    Our government is not for sale
    The banks do not deserve a bail
    We will not reward those who fail
    We will not move till we prevail

    We’ll occupy the streets
    We’ll occupy the courts
    We’ll occupy the offices of you
    Till you do
    The bidding of the many, not the few

    We’ll occupy the streets
    We’ll occupy the courts
    We’ll occupy the offices of you
    Till you do
    The bidding of the many, not the few

    We are the many
    You are the few

  4. Any of you watched 60 Minutes?

    We need to build a big 20-foot wall around the Capitol and… call it Capitol jail!!!

  5. Because Chris, it’s called homelessness. A problem we’ve always tried to ignore, in fact, we’ve largely been successful. Who says there aren’t silver linings to a disaster.

  6. http://www.housingwire.com/2011/11/10/corker-proposes-alternative-to-mers

    Corker Introduces Bill to Responsibly Unwind Fannie and Freddie, End Dependence on Government for Housing Finance

    The legislation contains the following elements:

    Wind Down of Fannie Mae and Freddie Mac: Reduces each year the percentage of newly issued mortgage-backed securities’ (MBS) principal that is guaranteed by Fannie Mae and Freddie Mac. The percentage guaranteed must be reduced to zero within 10 years, at which point MBS will be wholly privatized.

    Mortgage Market Transparency: Creates an industry-financed database that makes uniform performance and origination data on mortgages available to the public through the Federal Housing Finance Agency.

    Creation of a new TBA Market: Initiates a process for creating deliverability rules and technology necessary for the “to-be-announced” (TBA) futures market with no government guarantee.

    Monetization of Business Assets: Directs the sale of any technology, home price indices, and systems currently owned by the GSEs to private investors.

    Uniform Underwriting Standards: Replaces the Qualified Residential Mortgage and risk retention with a 5 percent minimum down payment and full documentation requirement.

    Residential Mortgage Market Uniformity: Creates a uniform pooling and servicing agreement (PSA) and a new electronic registration system (MERS 2) where all loans are transferred under one system regulated by the FHFA and instructs federal regulators to develop uniform practices and streamline mortgage regulations.

  7. Quit Title and Fraudulent conveyance…Geez, I need to pay attention.

  8. Eastern District is Federal Court

  9. Enraged:

    Moved from County District to Eastern District of NC. Thanks, I appreciate the support.

    Dealing with Ocwen Servicing out of Fl. Brokered by New century, who went bankrupt in 2007, sold to Ellington of CT. Documents are very difficult to acquire. Information is sending me in the direction of no funding of the mortgage, no legitimate trust. Ocwen has raised my payments and tried to get me to sign an amended deed, with no legal remedies if I find subsequent issues down the road. They’ve put me in a tough spot, so I am suing them, no choice. This path is like a maze, it looks intentional to me. At this point, I really think the note was satisfied in BK court to Ellington who bought the notes for pennies on the dollar and the servicing rights were never transferred to Ocwen, if in fact there is anything to service. I have documents with forged signatures and the dates do not match, however, I know that is not enough. Very challenging, I am determined.

  10. @Chris,

    What kind of a case is it? Federal court? State court? What grounds?
    I have my own ongoing case in fed. court.

    As far as deposition is concerned, no need to panic. What you want to convey is that you’re willing to go all the way if they don’t give you what you want, you want your day in court, you’re not hung up on the outcome and you’d more than welcome the opportunity to educate jurors. You have been injured (financially, emotionally, mentally etc.) Don’t answer any question unless you are absolutely sure you understood it. Let the attorney finish every single question before you answer (too often, deponants start answering before the guy has completed his question). Don’t be in any rush to answer, take your time to think about it and, especially important, do not take anything personally. The bank’s attorney will do everything in his/her power to get you angry and to lose control.

    It is a game. Know the rules, anticipate the moves and keep your cards very close to the vest. That’s what banks do.

    Good luck.

  11. It helps knowing people are starting to get this. Al Capone had more character. Only kidding, but really, our government might as well get on TV and shoot us the bird. At least that would be more honest than the “slight-of-hand” they are pulling.

    Maybe I am getting paranoid, but it really seems like this “scheme” is intentional on all fronts. The greed is pervasive and creeping into everything we need and buy. It is very difficult to stay focused and honest, as cheating and lying seem to be an acceptable part of our culture. To all of you who are sharing information, I appreciate it, as I could not have gotten this far without you. I am at the deposition stage of my case and these nuances are the key to winning.

  12. Why do you-or I-look to mortal governments to tell us right from wrong?Our government has long been usurped by criminal elements.Men are not angels they were to have been bound by the chains of the Constitution in America…instead it’s rule of whim/”majority”/CORPorations/STRAWMEN pay and pay and pay and pay…brother hates brother and sister has no sister…kids hanging themselves,Mom’s overdosing on purpose,no shame to the EVIL doers as Law is Law…unless of course,it is only an impostor…..”For evil,too,may don the mask of law…”~a Latin maxim?I recall?

    This Earth should NEVER have been”for sale” in the 1st place.Radical?I do not agree,and no one else speaks for me.Or you…unless,of course,you let them….

    Since we have a”system” FAILURE,and billions suffer all over this Earth over”resources”
    (there is no lack)I for one am ready to see the old lies and the Hell they caused put to rest so the Truth can bring a genuine r-evolution…
    of concsiousness…everyone needs to get past the learned entrainment of”this IS the ONLY answer,THE only possible path…” and recall that EVERY thing ever invented wasn’t…until…it became…ideas that disrupt the stagnant and EVIL stranglehold on all of us to benefit that topfew…Games ending.

    People without homes,houses without people.War after war and hate after hate.

    No more FEAR….Now is the time.WE ARE THE ONES we’ve been waiting for.

    No more lies.We have work enough for all,too.Cleaning up the broken…

    Love to all,especially my detractors and all the haters/indifferent…you know,we CAN do something never been done before…..any law that pits one against the other is not a law we needed in the first place.


  13. I am posting something “tony” posted a while ago because it may be helpful to someone new on this site—thanks again, tony!

    tony, on February 5, 2011 at 7:15 am said:

    Only going to say this once. People on here must understand what a “Qualified Financial Contract vs a Non Qualified Financial Contract” is. If and when you understand this you will see that as in B Davies case, this trust only had Non QFC’s in the trust.
    Check out:
    Read it well Non QFC’s are as ANONYMOUS has stated many of times (just not as QFC’s vs Non QFC’s) are ONLY receivables of collection rights.
    Also Brian you are doing a good job, but start attacking the meaning of QFC’s vs NON QFC’s. You are in the same court where DBNTC vs FDIC is being ruled on and the judge talks about the QFC matter. Case number is #09-3852 in the California
    Federal District Court Central District Western Division.
    People you need to read this case, and if you have a so called an Indymac Loan you really need to read this case. DBNTC admitts that all 246 trust under the Indymac was striped of all assets. They even went to probate so the judge would not make DBNTC liable for anymore claims. If anyone knows trust law you know that you can only go to probate when a trust is dead. DBNTC even put in a claim with the FDIC and was DENIED and was stated they are NOT a SECURED CREDITOR just a GENERAL CREDITOR (unsecured) and there will be no money for general creditors.
    Onewest is not servicing the former Indymac papers for DBNTC, but instead for Indymac Ventures LLC. If you google and pull this name, its on the FDIC’s own website it says THEY WILL NEVER BE GIVEN THE ORIGINAL NOTE, AND IF THEY TRY TO JOIN AND FORMER PARTIES IT WILL BE VOID.
    So when banks lawyers (debt collectors) pull up and say here is the original note they are committing open fraud and there is proof. They was only given a collateral file with the debtors information as any debt collector receives, when they buy debt.
    FDIC gave Onewest the collection rights without taking on any liabilities. As many has seen in there court cases Onewest says we brought the assets of Indymac without any liabilities. Then how could they try to use the PSA’s in court cases? They cant they are not a party to the document.
    Indymac was 2 people in the trust transaction:
    1. Sellers (QFC)
    2. Servicer (Non QFC)
    Indymac sold there collection rights aka Non QFC’s to the Trust Series. (You must understand a series has one main name and feeds the rest that why it called series.) Then Indymac promised that as of the time of selling that everything was in good order and if it wasnt they would buy it back. (QFC) Once the trust took it Indymac job as seller was done.
    Indymac then took on its other job 2. Servicer of the trust. (Non QFC)
    When Indymac went under the FDIC took Indymac into receivership. FDIC then made Indymac Federal FSB. This is a big part because when Onewest bank say they brought the assets of Indymac Bank, Onewest did not buy the assets of the Failed thrift, but of Indymac Federal FSB the FDIC version of Indymac which is big difference. Onewest just tries to muddy the waters buy not trying to say which one they really brought.
    FDIC as in conservator split the QFC from the Non QFC and gave IMB Hold Co the deposits and the Collection rights of all 246 Indymac trust series without any liabilities. IMB Hold Co then made Indymac Ventures LLC (the only sole member of the LLC is Onewest Bank) who Onewest is servicing for.
    FDIC did this without repudiate contracts under 12 U.S.C. 1821(e), r. Even if they did it would of made the trust series whole and still DBNTC would not have any claim even in non QFC form. As FAS 140 explains in detail.
    In short if your loan was securitized its not about your Mortgage or Note it is about is it a Qualified Financial Contract or not. Use this and you will not have to worry about wheres the assignment or anything else.
    Its now about accounting and security laws. Then you can show why they was not any assignments, because they only had non QFC rights Judges wont like this matter, but there is nothing they can do about it, now you are connecting the dots. All these securitizations are UNSECURED period and banks know this. The Trust never had any QFC’s only Non QFC’s.

    Hope all was helpful and GOD BLESS.

  14. @E. Toile


    I see that some of us still have some sense and, better yet, some “moral” sense. Why are so many people losing perspective and drowning into flea spit?


  15. chris
    i will try again
    Kent Porter/The Press Democrat, via Associated Press
    Protesters severely disrupted operations at the Port of Oakland, Calif., earlier this month.
    Published: November 12, 2011

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    DiggRedditTumblrPermalink. OCCUPY WALL STREET and its allied movements around the country are more than a walk in the park. They are most likely the start of a new era in America. Historians have noted that American politics moves in long swings. We are at the end of the 30-year Reagan era, a period that has culminated in soaring income for the top 1 percent and crushing unemployment or income stagnation for much of the rest. The overarching challenge of the coming years is to restore prosperity and power for the 99 percent.

    Times Topic: Occupy Wall Street Thirty years ago, a newly elected Ronald Reagan made a fateful judgment: “Government is not the solution to our problem. Government is the problem.” Taxes for the rich were slashed, as were outlays on public services and investments as a share of national income. Only the military and a few big transfer programs like Social Security, Medicare, Medicaid and veterans’ benefits were exempted from the squeeze.

    Reagan’s was a fateful misdiagnosis. He completely overlooked the real issue — the rise of global competition in the information age — and fought a bogeyman, the government. Decades on, America pays the price of that misdiagnosis, with a nation singularly unprepared to face the global economic, energy and environmental challenges of our time.

    Washington still channels Reaganomics. The federal budget for nonsecurity discretionary outlays — categories like highways and rail, education, job training, research and development, the judiciary, NASA, environmental protection, energy, the I.R.S. and more — was cut from more than 5 percent of gross domestic product at the end of the 1970s to around half of that today. With the budget caps enacted in the August agreement, domestic discretionary spending would decline to less than 2 percent of G.D.P. by the end of the decade, according to the White House. Government would die by fiscal asphyxiation.

    Both parties have joined in crippling the government in response to the demands of their wealthy campaign contributors, who above all else insist on keeping low tax rates on capital gains, top incomes, estates and corporate profits. Corporate taxes as a share of national income are at the lowest levels in recent history. Rich households take home the greatest share of income since the Great Depression. Twice before in American history, powerful corporate interests dominated Washington and brought America to a state of unacceptable inequality, instability and corruption. Both times a social and political movement arose to restore democracy and shared prosperity.

    The first age of inequality was the Gilded Age at the end of the 19th century, an era quite like today, when both political parties served the interests of the corporate robber barons. The progressive movement arose after the financial crisis of 1893. In the following decades Theodore Roosevelt and Woodrow Wilson came to power, and the movement pushed through a remarkable era of reform: trust busting, federal income taxation, fair labor standards, the direct election of senators and women’s suffrage.

    The second gilded age was the Roaring Twenties. The pro-business administrations of Harding, Coolidge and Hoover once again opened up the floodgates of corruption and financial excess, this time culminating in the Great Depression. And once again the pendulum swung. F.D.R.’s New Deal marked the start of several decades of reduced income inequality, strong trade unions, steep top tax rates and strict financial regulation. After 1981, Reagan began to dismantle each of these core features of the New Deal.

    Following our recent financial calamity, a third progressive era is likely to be in the making. This one should aim for three things. The first is a revival of crucial public services, especially education, training, public investment and environmental protection. The second is the end of a climate of impunity that encouraged nearly every Wall Street firm to commit financial fraud. The third is to re-establish the supremacy of people votes over dollar votes in Washington.

    None of this will be easy. Vested interests are deeply entrenched, even as Wall Street titans are jailed and their firms pay megafines for fraud. The progressive era took 20 years to correct abuses of the Gilded Age. The New Deal struggled for a decade to overcome the Great Depression, and the expansion of economic justice lasted through the 1960s. The new wave of reform is but a few months old.

    The young people in Zuccotti Park and more than 1,000 cities have started America on a path to renewal. The movement, still in its first days, will have to expand in several strategic ways. Activists are needed among shareholders, consumers and students to hold corporations and politicians to account. Shareholders, for example, should pressure companies to get out of politics. Consumers should take their money and purchasing power away from companies that confuse business and political power. The whole range of other actions — shareholder and consumer activism, policy formulation, and running of candidates — will not happen in the park.

    The new movement also needs to build a public policy platform. The American people have it absolutely right on the three main points of a new agenda. To put it simply: tax the rich, end the wars and restore honest and effective government for all.

    Finally, the new progressive era will need a fresh and gutsy generation of candidates to seek election victories not through wealthy campaign financiers but through free social media. A new generation of politicians will prove that they can win on YouTube, Twitter, Facebook and blog sites, rather than with corporate-financed TV ads. By lowering the cost of political campaigning, the free social media can liberate Washington from the current state of endemic corruption. And the candidates that turn down large campaign checks, political action committees, Super PACs and bundlers will be well positioned to call out their opponents who are on the corporate take.

    Those who think that the cold weather will end the protests should think again. A new generation of leaders is just getting started. The new progressive age has begun.

    Jeffrey D. Sachs is the director of the Earth Institute at Columbia University and the author, most recently, of “The Price of Civilization: Reawakening American Virtue and Prosperity.”

  16. chris

    I am trying to put the whole opinion by a Jeffrey Sachs up from todays NY Times.
    something seems to block it.

  17. @Chris, of course a government, or one that condones such actions, needs to be overthrown. There should be no argument about that in a civil society. The definition of anarchy is a state of society without government or law; a political and social disorder due to the absence of governmental control. It’s painfully obvious that our “government” is no longer in control….the government is controlled. By whom? The central banks, and their owners. They just happen to be the same guys that just recently orchestrated that $16 trillion dollar withdrawal from the American people.

    Who are these heavily armed police forces working for? You and I? No. They’re working for the central banks, and their owners. This eviction is simply enforcing the bankers contract. Is that how private monetary agreements between two parties are supposed to be enforced? First the judge rules against hundreds of year old law, then the jackboots come and drag the entire family to the curb? To enforce an agreement gone bad?

    As to squatting in houses, this guy Max in the above article has a dangerous grasp of the issues. He says, about falsified documents and such, “….[not having the notes] are important loopholes that exist, and we should take advantage of those. In some ways, that’s besides the point. The reality is, the banks right now have the right to kick people out of their homes and make people homeless.” WRONG! THAT IS THE POINT! He should have said that the banks THINK they have the right, or the banks have bamboozled everyone, including the courts, into believing they have the right….

    Empty homes should be taken, absolutely. We are the first and only nation in history that would purposely line up a few million homeless people on one side and a few million empty homes on the other side. What kind of civilization would even consider doing that? Can anyone please explain where humanity went? We seemed to have lost it!

  18. Guest,
    Yet Americans still refuse to recognize that they are suffering the same oppressions from the same oppressors as the Palestinians.

  19. @chris

    I feel the same as you about this whole massive fraud.
    Read this article from the New York Times maybe it will make you feel not so helpless.

    on this topic »
    The New Progressive Movement
    New York Times
    Twice before in American history, powerful corporate interests dominated Washington and brought America to a state of unacceptable inequality, instability and corruption. Both times a social and political movement arose to restore democracy and shared …

  20. There has got to be a better solution here. Geez, people need to be in the streets over this. What they hell is wrong with our government. In all my years alive, I have never seen such behavior. Believe me, enraged, I do get the entire picture. What do we need to do, over throw the government?

  21. The slave revolt is in full effect! Love it!

  22. Israeli style eviction of Americans into concentration camps:

  23. @chris,

    I understand that you would have moral difficulties with having non-owners move into foreclosed, bank-abandoned properties. I suggest that you read the articles in the site below.


    I also suggest you look into “Banks destroy vacant homes”. You’ll realize that hundreds of thousands of homes were repo’ed and… left vacant, rotting and serving no one. It is a huge problem in Cleveland, Detroit, Chicago, in NV, in AZ, in CA, etc. Entire states have been reduced to the dumps and vacant lots.

    We need to put morality where it belongs. 1.6 million homeless kids is immoral. Wasting the resources used to build houses (wood, raw materials, manpower) by subsequently tearing them down is immoral.

    Personally, I have no problem with someone making good use of something that, otherwise, would serve absolutely no purpose to anyuone. Banks refuse to pay for the upkeep and the real estate taxes of homes they have repo’ed. Once again, taxpayers have to foot those bills. If putting homeless people into those vacant homes allows states to recover some of the costs incurred, I’m all for it.

  24. Stormtroopers, these aren’t marshalls. If enough people stand up, then it will be clear that this is illegitimate authority.

  25. correction
    in my post below it should say:

    clients of Fidelity National Title and Coronet Title
    that ARE holding Forged deeds…

  26. Presently OCCUPY can only last till the Marshalls come.

    I have to say the Marshalls were very decent men but they had
    a housing court order to evict, in spite of the fact that my case Marilyn Lane v. Astoria Federal S & L .was DOCKETED in the United States Supreme Court for a Writ of Mandamus.

    In 1997 when I told the NY Housing court judge about the fraud starting by the bank hiding my payments and going all the way thru the corrupt bank debt collector attorneys auctioning off my two properties with void ab initio judgements the Judges reply was “what do you want from me? I’m low man on the Totem Pole.

    I look back at the history of these fraudulent foreclosures of my two NYC Condos and I had ruling or opinions from 14 Judges and only two and a half Judges either understood the law or were honest.

    I would like to see OCCUPY go after the Title and Insurance companies cause after Astoria Federal new attorneys admitted that they auctioned off my two properties without ever owning them and said it was Indemnify Indemnify Indemnify in NYSC – .

    Judge Alice Schlesinger of NYSC, took a bribe and allowed the clients of Fidelity National Title and Coronet Title that any holding Forged Deeds stay in my two properties.

    Hows about Occupy going to Judge Schlesinger (Nooter) co-op
    It is right off second avenue in the twentys.?

  27. As much as I see the point here and being in the situation, I cannot condone “squatting” in these homes. This is an issue that raises doubts to me. If the banks do not own the homes and the people have vacated, the squatters themselves are stealing the property. Jeez, this is okay? Do I have this wrong? What right do strangers have to occupy a home that isn’t theirs either?

  28. […] Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud Tagged: bankruptcy, borrower, countrywide, disclosure, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, LOAN MODIFICATION, modification, quiet title, rescission, RESPA, securitization, TILA audit, trustee, WEISBAND Livinglies’s Weblog […]

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