Fighting Foreclosure - Make the Banks ‘Produce the Note’

anticapitalist:

occupyonline:

Glitchthemachine did a nice job of researching and posting a number of resources related to fighting foreclosure. I am going to condense and supply the links and his text here. 

Video: Homeowner Demands Bank to Produce the Note

This is a great video, it explains about MERS and how the mortgage industry privatized the record keeping process into an electronic system to make it cheaper and more efficient for them to sell/transfer/lose your loans.  

Video: How To Use ‘Produce the Note’ Defense
“Your goal is to make certain the institution suing you is, in fact, the owner of the note. There is only one original note for your mortgage that has your signature on it. This is the document that proves you owe the debt.” Very interesting comments on this youtube video. 

Video: Mortgage Servicers’ Secret
The secret mortgage servicers don’t want you to know is they can make MORE money off of homeowners when they keep your loan in default. A former employee of loan servicer EMC tells the inside story why so many people can’t get their loan out of default.

Video: 60 Minutes, April 2011
It was just a matter of time, but all those phony foreclosure papers banks have been using to foreclose on homeowners are coming back to haunt them. 

Video: Woman Declares War on Bank and Wins! 


Article: New Foreclosure Defense - Prove I Owe You
This particular msnbc article is from 2009 but as you can see the Massachusetts Supreme Judicial Court will release a final opinion on this very soon. “The question in the case is simply whether a foreclosing lender must hold both the note and mortgage at foreclosure.”

Article: The Massachusetts Supreme Judicial Court to Hear Appeal
In a rare direct appellate review, the Massachusetts Supreme Judicial Court has agreed to hear an appeal considering the controversial “produce the note” defense in foreclosure cases. Perhaps more importantly, the court may also consider whether a foreclosing lender must possess both the promissory note and the mortgage in order to foreclose. This is especially important for MERS mortgages.

reblogging so I read this.

Occupy the courts.

Riot Gear’s Evolution

nonplussedbyreligion:

From the 1995 Million Man March, in D.C to the 2011 Occupy Oakland Eviction.  There are so many things wrong with this image.  So very many things.  ~ Kim

Me too!

Me too!

The shocking truth about the crackdown on Occupy

mooglets:

US citizens of all political persuasions are still reeling from images of unparallelled police brutality in a coordinated crackdown against peaceful OWS protesters in cities across the nation this past week. An elderly woman was pepper-sprayed in the face; the scene of unresisting, supine students at UC Davis being pepper-sprayed by phalanxes of riot police went viral online; images proliferated of young women – targeted seemingly for their gender – screaming, dragged by the hair by police in riot gear; and the pictures of a young man, stunned and bleeding profusely from the head, emerged in the record of the middle-of-the-night clearing of Zuccotti Park.

But just when Americans thought we had the picture – was this crazy police and mayoral overkill, on a municipal level, in many different cities? – the picture darkened. The National Union of Journalists and the Committee to Protect Journalists issued a Freedom of Information Act request to investigate possible federal involvement with law enforcement practices that appeared to target journalists. The New York Times reported that “New York cops have arrested, punched, whacked, shoved to the ground and tossed a barrier at reporters and photographers” covering protests. Reporters were asked by NYPD to raise their hands to prove they had credentials: when many dutifully did so, they were taken, upon threat of arrest, away from the story they were covering, and penned far from the site in which the news was unfolding. Other reporters wearing press passes were arrested and roughed up by cops, after being – falsely – informed by police that “It is illegal to take pictures on the sidewalk.”

In New York, a state supreme court justice and a New York City council member were beaten up; in Berkeley, California, one of our greatest national poets, Robert Hass, was beaten with batons. The picture darkened still further when Wonkette and Washingtonsblog.com reported that the Mayor of Oakland acknowledged that the Department of Homeland Security had participated in an 18-city mayor conference call advising mayors on “how to suppress” Occupy protests.

To Europeans, the enormity of this breach may not be obvious at first. Our system of government prohibits the creation of a federalised police force, and forbids federal or militarised involvement in municipal peacekeeping.

I noticed that rightwing pundits and politicians on the TV shows on which I was appearing were all on-message against OWS. Journalist Chris Hayes reported on a leaked memo that revealed lobbyists vying for an $850,000 contract to smear Occupy. Message coordination of this kind is impossible without a full-court press at the top. This was clearly not simply a case of a freaked-out mayors’, city-by-city municipal overreaction against mess in the parks and cranky campers. As the puzzle pieces fit together, they began to show coordination against OWS at the highest national levels.

Why this massive mobilisation against these not-yet-fully-articulated, unarmed, inchoate people? After all, protesters against the war in Iraq, Tea Party rallies and others have all proceeded without this coordinated crackdown. Is it really the camping? As I write, two hundred young people, with sleeping bags, suitcases and even folding chairs, are still camping out all night and day outside of NBC on public sidewalks – under the benevolent eye of an NYPD cop – awaiting Saturday Night Live tickets, so surely the camping is not the issue. I was still deeply puzzled as to why OWS, this hapless, hopeful band, would call out a violent federal response.

That is, until I found out what it was that OWS actually wanted.

The mainstream media was declaring continually “OWS has no message”. Frustrated, I simply asked them. I began soliciting online “What is it you want?” answers from Occupy. In the first 15 minutes, I received 100 answers. These were truly eye-opening.

The No 1 agenda item: get the money out of politics. Most often cited was legislation to blunt the effect of the Citizens United ruling, which lets boundless sums enter the campaign process. No 2: reform the banking system to prevent fraud and manipulation, with the most frequent item being to restore the Glass-Steagall Act – the Depression-era law, done away with by President Clinton, that separates investment banks from commercial banks. This law would correct the conditions for the recent crisis, as investment banks could not take risks for profit that create kale derivatives out of thin air, and wipe out the commercial and savings banks.

No 3 was the most clarifying: draft laws against the little-known loophole that currently allows members of Congress to pass legislation affecting Delaware-based corporations in which they themselves are investors.

When I saw this list – and especially the last agenda item – the scales fell from my eyes. Of course, these unarmed people would be having the shit kicked out of them.

For the terrible insight to take away from news that the Department of Homeland Security coordinated a violent crackdown is that the DHS does not freelance. The DHS cannot say, on its own initiative, “we are going after these scruffy hippies”. Rather, DHS is answerable up a chain of command: first, to New York Representative Peter King, head of the House homeland security subcommittee, who naturally is influenced by his fellow congressmen and women’s wishes and interests. And the DHS answers directly, above King, to the president (who was conveniently in Australia at the time).

In other words, for the DHS to be on a call with mayors, the logic of its chain of command and accountability implies that congressional overseers, with the blessing of the White House, told the DHS to authorise mayors to order their police forces – pumped up with millions of dollars of hardware and training from the DHS – to make war on peaceful citizens.

But wait: why on earth would Congress advise violent militarised reactions against its own peaceful constituents? The answer is straightforward: in recent years, members of Congress have started entering the system as members of the middle class (or upper middle class) – but they are leaving DC privy to vast personal wealth, as we see from the “scandal” of presidential contender Newt Gingrich’s having been paid $1.8m for a few hours’ “consulting” to special interests. The inflated fees to lawmakers who turn lobbyists are common knowledge, but the notion that congressmen and women are legislating their own companies’ profitsis less widely known – and if the books were to be opened, they would surely reveal corruption on a Wall Street spectrum. Indeed, we do already know that congresspeople are massively profiting from trading on non-public information they have on companies about which they are legislating – a form of insider trading that sent Martha Stewart to jail.

Since Occupy is heavily surveilled and infiltrated, it is likely that the DHS and police informers are aware, before Occupy itself is, what its emerging agenda is going to look like. If legislating away lobbyists’ privileges to earn boundless fees once they are close to the legislative process, reforming the banks so they can’t suck money out of fake derivatives products, and, most critically, opening the books on a system that allowed members of Congress to profit personally – and immensely – from their own legislation, are two beats away from the grasp of an electorally organised Occupy movement … well, you will call out the troops on stopping that advance.

So, when you connect the dots, properly understood, what happened this week is the first battle in a civil war; a civil war in which, for now, only one side is choosing violence. It is a battle in which members of Congress, with the collusion of the American president, sent violent, organised suppression against the people they are supposed to represent. Occupy has touched the third rail: personal congressional profits streams. Even though they are, as yet, unaware of what the implications of their movement are, those threatened by the stirrings of their dreams of reform are not.

Sadly, Americans this week have come one step closer to being true brothers and sisters of the protesters in Tahrir Square. Like them, our own national leaders, who likely see their own personal wealth under threat from transparency and reform, are now making war upon us.

The Guardian

iamgreaterthanhate:

rcabbasi:

The aftermath of the now imfamous UC Davis pepper spray incident: 
UC Davis Chancellor Katehi walks to car amidst protesters
(by bluedevilhub)

Incredible. The look on her face, the sound of her footsteps amidst the disciplined silence of hoards of students sitting in the same cross-legged position as the protesters who were arrested the previous day… This is a simple protest done well — chilling.

Well done.

Police used batons to try to push the students apart. Those they could separate, they arrested, kneeling on their bodies and pushing their heads into the ground. Those they could not separate, they pepper-sprayed directly in the face, holding these students as they did so. When students covered their eyes with their clothing, police forced open their mouths and pepper-sprayed down their throats. Several of these students were hospitalized. Others are seriously injured. One of them, forty-five minutes after being pepper-sprayed down his throat, was still coughing up blood.

Nathan Brown, Assistant Professor University of California at Davis in an open letter to Chancellor Linda P.B. Katehi (via cultureofresistance)

These officers are a disgrace. They should all be fired, their pensions revoked, and they should all face criminal prosecution.

(via wilwheaton)

Everyone interested in this incident should check out what happens next in this video.  The students protest in the exact same way ’ sitting on the ground, crosslegged, silent, as their Chancellor walks past them.  Make sure to turn the volune up so you can hear nothing but her footsteps as she walks to her car.  A few questions are asked by people off camera, and she responds promptly.  It is only 3 minutes, but it is powerful indeed. 

(via iamgreaterthanhate)

sarahlee310:

Worth the time to read.

Perhaps the institution we know as the police has become not an organization of law enforcement but one of privilege enforcement.  Sometimes in the face of a corrupt institution one must burn down Sal’s Pizzeria.  Or in this case let the institution damn itself, shame itself into irrelevance or reform.

nickturse:

From “The Occupiers,” a photo series by Eddie McShane.  He writes: “I wanted  to see who these people were so I decided to set up a portable studio  and make formal portraits. What I learned is that these people are not  whackos, anarchists, or indigents. They are overwhelmingly working and  middle class people of all backgrounds who feel that their government  has failed them and does not represent their interests… They just want the basic promise of  America; that everyone has a fair chance to live with opportunity and  dignity.”  You can view the complete set of photos from this series here.

True story!

nickturse:

From “The Occupiers,” a photo series by Eddie McShane.  He writes: “I wanted to see who these people were so I decided to set up a portable studio and make formal portraits. What I learned is that these people are not whackos, anarchists, or indigents. They are overwhelmingly working and middle class people of all backgrounds who feel that their government has failed them and does not represent their interests… They just want the basic promise of America; that everyone has a fair chance to live with opportunity and dignity.”  You can view the complete set of photos from this series here.

True story!

kileyrae:

Marines respond to Sean Hannity calling OWS protesters un-American.

“All the people who are suffering in debt, all the people who can’t speak for themselves or who are too afraid to voice their opinion, we’re here fighting for their rights because that’s the oath that we swore when we became Marines, that we would defend our people and our country. I’m going to do it until the day it’s over.”