Confirmed victory

Give Candejah Back Her Home

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I bought my house and moved to Springfield, MA in 2005 with a mortgage from First NLC Financial Services. I didn't know it at the time, but I was given a loan that had an adjustable interest rate starting at 8.99% and that could rise as high as 15.99%. I didn't know it at the time, but I was one of millions who were victims of banks predatory lending practices that preyed on families like mine.

When I bought my house I paid $129,000. Now its not even worth $30,000.

At the time I was working as a dispatch officer and an EMT for the New York City Fire Department, where I worked for 14 years. Life circumstances forced me and my children into a basement apartment in the Bronx, NY owned by a slumlord, where the roof above us was collapsing and rodents roamed the floors. I could literally see my neighbors apartment above me.

A friend told me I should look into buying a house in Springfield, so I did. Moving to Springfield wasn't just a choice for me. I moved because I had to. I had to get out of the city and I had to find a safe and secure place for me and my children to live.

In 2010 I lost my job and ultimately fell behind on my mortgage. US Bank foreclosed on my house on October 22, 2010. The night before the auction I cried like a baby. But I awoke the next morning and vowed to stay in my home and fight back. For the last three years I have been fighting for my home and leading the fight across the country to win justice for homeowners like me.

In August 2013 I won my case in housing court and a judge ruled that US Bank illegally tried to evict me and threw out their case. Now US Bank is moving to evict me again.

I have income again, and my daughters do too. My 2 year-old granddaughter now lives with us as well. I am willing to pay for my house what its actually worth now. I've paid for this house many times over. I want to be able to stay in my home and fix it up. I've fought for three years, and I'm committed to continuing my fight until US Bank negotiates and gives me my house back.



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