Don't foreclose on a disabled schoolteacher
  • Petitioned Mr. Clement Ziroli

This petition was delivered to:

CEO
Mr. Clement Ziroli
First Mortgage Corporation

Don't foreclose on a disabled schoolteacher

    1. Kristiane Chappell
    2. Petition by

      Kristiane Chappell

      valley center, CA

  1.  
  2.   
May 2012

Victory

Kristiane Chappell leveraged the signatures of more than 40,000 Change.org members who joined her campaign to save her mother's home from foreclosure into local media attention that spelled bad press for First Mortgage Corporation. In addition, she worked with the Association of Californians for Community Empowerment (ACCE) and her local Occupy movement to stage a symbolic home defense occupation of her mother's front yard and win even more media attention. The onslaught of negative publicity made First Mortgage Corporation willing to work with Kristiane and her family to find a solution that worked for everyone.

My mom Lesliane Bouchard, a disabled teacher in California, may lose her home because her mortgage company, First Mortgage Corporation, refuses to participate in some of the federal programs that could keep her in it. 

She has been *approved* for the federal government's Hardest Hit State Fund, which would pay down enough of her principal balance enough to keep her in her home. But First Mortgage Corporation refuses to participate in the program, which is only optional for lenders.

Mom is completely bedridden due to a spinal injury that left her in constant excruciating pain. She had to stop teaching last year as a result, and her income dropped by 40%. Programs like the Hardest Hit States Fund exist to help people just like her, but they won't work if lenders won't participate in them.

Mom's current home is about the same distance from all of her adult children, enabling us to share the responsibility of caring for her. If she loses her home, it will be impossible to split duties, making her care much more difficult, and more expensive. 

Her home was in foreclosure until HUD put a 90-day hold on the proceedings. Now the time is just ticking away until mom is once again at risk of losing her home. Lesliane Bouchard should be able to live out her life with access to appropriate care and all her children. Please join me in demanding that First Mortgage Corporation keep her in her home.

http://shortsalenurse.wordpress.com/2011/11/03/update-on-mrs-bouchard-no-real-news-is-this-good-i-dont-think-so/ 

Recent signatures

    News

    1. We did it!

      Kristiane Chappell
      Petition Organizer

      The loan for the new house funded yesterday. My mom's situation has officially been resolved, we just need to move her to the new house. I couldn't have gotten to this point in it without all of the amazing support I received, so THANK YOU SO MUCH!

    2. US News and World Report

      Kristiane Chappell
      Petition Organizer

      My mom was mentioned in this article, I was on this call she is talking about.

    3. The Washington Post discussed my moms campaign!!!

      Kristiane Chappell
      Petition Organizer

      Link to today's Washington Post:

    4. Fox 5 interview

      Kristiane Chappell
      Petition Organizer

      This morning I was on Fox 5 San Diego covering my mothers story, the link is to the interview. I also talked to the Washington Post Wednesday, so hopefully that will be published soon as well!

    5. Reached 40,000 signatures
    6. Photos from the Occupation

      Jess Kutch
      Petition Organizer

      Powerful photos have been posted from the 24-hour 'occupation' of Leslianne's home by local supporters. Visit the link below to check them out.

    7. Ethics Expert to First Mortgage: "Don't be a Grinch."

      Jess Kutch
      Petition Organizer

      Lauren Bloom writes, "It’s not as though First Mortgage Corporation wouldn’t get paid, folks - it just means that the company would have to do a little more paperwork...Come on, First Mortgage! It’s Christmas, for pity’s sake - have a heart and don’t evict a disabled schoolteacher from her home. Even Ebenezer Scrooge would know better."

    8. Reached 20,000 signatures
    9. The Occupy protest at my mothers house went fanatastic!

      Kristiane Chappell
      Petition Organizer

      Thank you to everyone who came to support my mom. We had several reporters there, attached is just one of the stories written about yesterday!

    10. Reached 3,000 signatures
    11. Channel 10 news San Diego

      Kristiane Chappell
      Petition Organizer

      My mom was on the 7 pm news last night. Link to article. The written doesn't cover as much as the video does, the video is in the upper corner of the article.

    12. Reached 2,500 signatures
    13. It bears repeating

      Kristiane Chappell
      Petition Organizer

      Direct Quote from Joe Sanders Vice President of First Mortgage Corporation:

      "As for the Hardiest Hit Funds (HHF) principal reduction program (PRP), we do not participate in that program. And I am not aware of any servicer participating in the HHF PRP on FHA insured loans, or any insured loans for that matter"

      Does anyone know of a lender that does? It would be great to know. More importantly, how are these programs helping the situation in our country if NO ONE apparently participates in them?

    14. Contact information for First Mortgage

      Kristiane Chappell
      Petition Organizer

      czirolijr@firstmortgage.com
      - Clement Ziroli, CEO of First Mortgage

      SLehrer@firstmortgage.com
      -Scott Lehrer, Joe Sanders Supervisor

      jsanders@firstmortgage.com
      - Joe Sanders, VP of Loss Mitigation who created this year long heartache and head ache

      smandrell@firstmortgage.com
      - Sherri Mandrell Account manager for my mother

    15. Reached 1,000 signatures
    16. HUD is extending the hold!!!

      Kristiane Chappell
      Petition Organizer

      HUD agreed this morning to continue the hold with First Mortgage for another 90 days while we try to find a solution to keeping her in her home. The hold that is in place would expire at the end of this month had they not extended it. A HUGE thank you to HUD!

    17. Live interview with my mom

      Kristiane Chappell
      Petition Organizer

      We are trying to arrange a live feed interview with my mom next week. I will have more on this soon. I'd also like to let everyone know my mom is reading eacha nd every comment you leave and she said to tell you all thank you and it means so much to her that you took the time to write.

    18. Questions about media/CEO of FMC

      Kristiane Chappell
      Petition Organizer

      A few people have asked if we've contacted the media. This was covered in depth by American Banker magazine, but I am also speaking to other media outlets in the hopes of getting more coverage.
      As for the CEO, up until a couple days ago we didn't even have his name the company REFUSED to give that out. So no, we've heard nothing from him in response to this. When interviewed by Kate Berry he blamed FHA guidelines as to why FMC wouldn't process her paperwork for 9 months before claiming that they do not participate in programs.
      Linked is some video from the American Banker interview with my mom.

    19. Reached 750 signatures
    20. Wanted to share a comment

      Kristiane Chappell
      Petition Organizer

      "there are hundreds of thousands of these stories occurring right now, I share this one because this woman is my little sister- probably the strongest & most compassionate woman I've ever been blessed to know. she's fighting to keep her home against a bank that refuses to participate in federally mandated programs designed to provide emergency relief in situations exactly like hers. I don't "believe in" petitions, but I do understand the power of greater exposure of such situations to bring change. please lend a moment of your awareness and sign if you feel so moved." -Tashi Meath

    21. This is the disease my mother has

      Kristiane Chappell
      Petition Organizer

      The attached link is an explanation of my mother's disease. It is spread throughout her entire body, including her face now.

    22. Reached 250 signatures
    23. Some information has been updated on the blog

      Kristiane Chappell
      Petition Organizer

      George put up some new information on the blog.

    24. Thank you

      Kristiane Chappell
      Petition Organizer

      I just wanted to say thank you to each and every one of you who has taken a moment to support my mother. I can't tell you how much we appreciate it.

    Supporters

    Reasons for signing

    • Andria Duncan LAWRENCEVILLE, GA
      • over 2 years ago

      Because I'm FED UP with these bastard banks that CAUSED! this economic disaster in the first place, and who now want to PROFIT from their criminal activities, thus COMPOUNDING the criminal activity and causing rampant homelessness -- it's not these folks' faults they can't pay their mortgages -- it's THE BANKS' FAULT and hey, remember, it's illegal to make a profit from ILLEGAL ACTIVITY -- like selling sub-prime instruments as if they were A+ !!

      REPORT THIS COMMENT:
    • Elwyn Hudson Jr. GARDENDALE, AL
      • over 2 years ago

      Why am I signing? Because I am disgusted with congress and the banks.

      REPORT THIS COMMENT:
    • Dennis McCann ALBANY, NY
      • over 2 years ago

      It is the human thing to do. Right?

      REPORT THIS COMMENT:
    • B Stone NY, NY
      • over 2 years ago

      I signed your petition as I feel we need to speak up when the system fails. We need to make corporations responsible for their intolerable conduct.

      I too have a petition posted on change.org against Wells Fargo for their failure to report financial exploitation of my mother and their other elderly clients. As a community petitioning for change, let’s support each other’s petitions. Please also sign my petition - link below-

      http://www.change.org/petitions/wells-fargo-comply-with-mandatory-reporting-of-possible-financial-abuse-of-elderly-clients-or-those-with-alzheimer-s

      Thank you for your support.

      Barbara Stone

      REPORT THIS COMMENT:
    • Carla Aloi NEWINGTON, CT
      • over 2 years ago

      The Federal government should make it mandatory for mortgage lenders to participate in the Hardest Hit Fund . Our tax dollars bailed out the banks. They turn around and refuse loans to small businesses and hard-working people and then continue to throw them out of their homes. Hang in there, Lesliane.

      REPORT THIS COMMENT:

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