Petition to United Nations, Consumer Financial Protection Bureau Ombudsman, FTC, Ralph Nader, Elizabeth Warren
Create Debt Neutrality Rights for Paying Down Credit Cards & Student Loans.
Compromise regarding consumer debt is a powerful tool. Forgiving Debt can send the wrong message, but telling people to "get any job", or "get a second job" is flawed if the jobs don't pay enough to pay down a person's existing debts. The compromise solution for those with Extreme Debt would be to allow them to declare Debt Neutrality on their debt. Consumers presently owe 3 trillion dollars in credit card and Student Loan Debt. Put another way, that 3 trillion in debt costs between 100 billion to 200 billion dollars EVERY MONTH just to keep the debt at that level! Debt Neutrality starts with those who can afford to pay down their debts without taking on any new debt, provided the interest rates, penalties and fees are discontinued on their present debts. After the first wave of consumers exercise Debt Neutrality and begin actually paying down their debts, the economy should begin improving as consumers with less and less debt actually have a touch more money to spend locally, which in turn should create new job opportunities for those still out of work. This in turn helps states and cities generate more tax revenue. The result could be a cascading affect of economic improvement that requires no government funds of any kind, just the release of the financial death grip that banking institutions have over many consumers via credit card and student loan debt. What we need is for Congress to grant Debt Neutrality Rights, and then get out of the way! Please follow the Debt Neutrality Petition on Facebook, http://www.facebook.com/debtneutrality and http://www.facebook.com/debtsuspensionrights
Petition to email@example.com , chicago anti-eviction campaign
Stop Safeguard Properties from Burglarizing & Violating homeowners who are in Foreclosure
By stopping fraudulent and criminal practices by the mortgage field service provider, Safeguard Properties, we will be enforcing the Universal Human Right to Housing, and will therefore be advancing not only our Nation, but Humanity as a whole. PETITION: SAFEGUARD PROPERTIES – Mortgage Field Services Lawsuit On June 2013, the Attorney General’s Office made public information regarding a pending lawsuit it has against the government contracted property management company, Safeguard Properties. In a period following our nation’s largest housing crisis, which was brought about by deceptive lending practices by US banks, the housing sector delivers another blow to the livelihood and dignity of American taxpayers, through the county’s largest mortgage field servicer. While carrying out evictions for the multiple mortgage servicers, Safeguard and its contractors violated and horrified already victimized homeowners, by trespassing and blocking humans from their homes, changing the locks on the properties, sometimes shutting off utilities midway through the foreclosure processes and burglarizing the residents, and traumatizing victims while, at times, illegally evicting families during the dangerously cold winter months. In several instances, Safeguard’s employees laid in wait, while unsuspecting victims went about the daily routines, and as they unknowingly left their homes vulnerable, the criminals would break into these homes illegally, and in some cases remove all of the victim’s belongings from the residence. The Illinois Attorney General’s Office found Safeguard Properties to have operated in violation of the Consumer Fraud Act, 815 ILCS 505/2, as well as the Protecting Tenants at Foreclosure Act, 12 U.S.C. 5220. It has been noted in the lawsuit, that Safeguard engaged in deceptive and fraudulent business practices, by knowingly and with ill-intent, providing consumers with false information pertaining to their rights, as tenants and homeowners, to remain in their properties until the foreclosure process was complete, and sometime until the end of their bona fide lease. All court proceedings were conducted in the Cook County Circuit Court, and in June of 2016, Safeguard settled the lawsuit for $1,000,000 to be awarded to victims within Illinois who filed a complaint with the state or Safeguard itself. “We the People” encourage all victims of Safeguards fraudulent and criminal practices to either encourage their state’s attorney general to bring a class-action lawsuit, and for each victim to bring criminal charges against this fraudulent company as well. We are setting up this petition to encourage all reputable banks and government entities to seize contracting out work to this criminal organization, and to thereby divert those contracts to local businesses within the communities that are being serviced. Please sign our petition to support our efforts to prevent fraudulent and criminal behavior by companies such as Safeguard Properties. Services & LaborServices: Safeguard enters into contract with mortgage lenders, and servicers to provide Property Preservation Services, such as: Boarding up doorways- $100Changing locks- $60Padlocking the entrance- $40Shutting off utilities- $75Winterizing the Home- $185Removing debris from unoccupied property- $35 per cubic feet Removing a car- $120Occupancy status determination - $12***Presenting cash-for-keys or deed in lieu of foreclosure offers*** Labor: Safeguards becomes responsible for property preservations services when a homeowner becomes delinquent or defaults on his/her mortgage.Instructs Illinois subcontractor to inspect property in order to determine occupancy status.Once Safeguard deems a property to be vacant, it instructs the subcontractor to secure the property by boarding up doorways, winterizing the property, changing locks and placing padlocks on the door, and shutting off utilities.Inspect and preserve home throughout and after foreclosure process Labor Complaints: https://www.complaintboard.com/safeguard-properties-l4970.html http://www.ripoffreport.com/r/safeguard-properties/brooklyn-heights-ohio-44131/safeguard-properties-lies-to-its-workers-its-contractors-are-not-getting-paid-what-they-e-404228 #14 UPDATE EX-employee responds Safeguard Properties Internet FraudAUTHOR: Micontractor - (U.S.A.)SUBMITTED: Wednesday, January 07, 2009 It appears that what Safeguard Properties is doing by not paying its contractors is Internet Fraud. All of the communications regarding pricing, invoicing, adjustments, work orders, ect. are done either through Safeguard Properties vendor web site or through e-mail. If you are a contractor who has been scammed by Safeguard Properties this apparently constitutes internet fraud by the FBI definition. I would encourage any contractors who have been shorted payments for services provided to Safeguard Properties to file a complaint on the FBI website under "Internet Fraud", the link is: http://www.fbi.gov/majcases/fraud/internetschemes.htm Good luck, we all deserve our hard earned money. Mommabear1202 Send email Dec 27, 2016Lost home in fireMy home was destroyed in fire i and we had some belongings outside some of which were from home. A couple weeks went buy my boyfriend had went by the house to see if the garage was ok an what was left of the property there was a man there with a trailor and had loaded everything up outside (picnic table, grill, chairs photo albums, stroller and can't forget to mention my flower pots that had plants in them but dumped all my flowers out, there was along t of other things as well as burnt things) also he was getting ready to change the locks on garage. He told him my our home was being forclosed an he had an order to come there an secure it. He had me come up there and don't tiron he didn't hear a mouth full. This guy working for safeguard was getting ready to take all my belongings to the dump. I made him take what things were still good off that @#$% trailor my home was not getting forclosed i mean we just lost everything an he was there taking the rest. The bastard still got away with my antique vases, propane tank to grill, & cast iron skillets . I'm so disgusted i conet even think straight. No one has evet appologized for any of it either. czultowski Send email Jul 13, 2016non payment, consistant charge backsI cannot believe we have lasted 17 grueling and arduous years with this company. They have literally sucked our entire savings dry with their consistent charge backs and non payment of invoices. They send you to a property, APPROVE your bids, PAY you and then CHARGE YOU BACK! Just yesterday we got a charge back for $1099.99! That job is months old. They don't care. We have got charge back that are 5 years old! What is wrong with these people? They will have you drive 75+ miles one way to submit a bid at your cost. This is just the tip of the iceberg, these people are crooks. They have no compassion for the loyalty of their contractors, and seniority certainly does not mean anything. 17 years!!! We started with them when we had to mail them photos, before digital even existed. Why am i paying $421/month for a $1,000,000 E & O Insurance Policy with York-Jersey Underwriters? We do not make enough money to even cover it anymore! There is so much more, they stick it to you every single chance they get. They are making a fortune!! If they take $1000 from each contractor per month, and they have A LOT of contractors, well, do the math. it is sickening. Something needs to be done. We need a class action law suit!! Firefighter Send email Mar 26, 2016Being told we have to fake photosI worked for a large preservation company. A few of them actually. This is a very corupt industry. These companies are making millions of dollars ripping off banks and real estate companies. I have emails and live recordings of these poeple telling us to fake photos of work that is not needed to be done . I'm not sure what my next move should be and could use some advice. I do not even make enough to my bills or care for my kids, but yet they have us falsifying photos so they can collect tons of money while we struggle to get buy. Any advice on what I should do or who I should call. That do not deserve the contract or to be making tons of money by making there employees lie. LegalSafeguards headquarters is located at 7887 Safeguard Circle, Valley View, Ohio, but the company is incorporated in the State of Delaware. In its contracts with its clients, Safeguard assumes responsibility for all work performed by employees, subcontractors, and any agents of the company. Illinois Mortgage Foreclosure Law 735 ILCS 5/15-1504.5, 1508.5, and 1701Forcible Entry and Detainer Act, 735 ILCS 5/9-101 and 102Consumer Fraud Act, 815 ILCS 505/2Protecting Tenants at Foreclosure Act, 12 U.S.C. 5220Proposal of RepercussionEnact any and all consequences that can be imposed on a business that engages in unethical business practices in the state of Illinois: Injunction, revocation, forfeiture or suspension of any licenses, charter, franchise, certificate or other evidence of authority of any person to do business in this state$50,000 fine imposed by court for each individual, during each instance, where a Safeguard employee violated the rights granted to consumers under the Consumer Fraud Act without the intent to defraud; if the courts should find that Safeguard and/or its employees committed these acts with the intent to defraud, We the People pray the court to impose a civil penalty of an additional $50,000 per violation, and an extra $10,000 per violation if the crime was committed against a person 65 years of age or older. Bar Safeguard from receiving any government contracts within the State of Illinois.
Petition to Brian T. Moynihan, Anne M. Finucane, Christine P. Katziff, Thomas K. Montag, Andrea B. Smith
Demand Bank of America correct errors in mortgage loan, stop foreclosure
Problems with my mortgage began in 2006 when Bank of America sold my equity line to AIG, who then tried to foreclose over $300. They tacked on nearly $8,000 in attorneys fees, which forced me into Chapter 13 bankruptcy. I was current on the primary mortgage with Countrywide at the time. I was current on the equity line when it was sold to AIG in the bundling, but was behind $300 when they attempted to foreclose. During bankruptcy, both BOA and AIG would allege I wasn’t making payments. I would pay half of what was alleged with my attorney saying the remaining half would be wrapped up in my bankruptcy. My cash payments totaled around $9,000. My bankruptcy payout went from around $14,000 to over $24,000, which I paid. The result was supposed to be that I would be free and clear once my case was dismissed. As my bankruptcy was ending in 2011, I found out BOA had 1) filed a foreclosure on my home while I was in bankruptcy and 2) reported to the credit bureau that I was behind $13,000 in back payments. I found documents that proved this wrong. I tried to settle with BOA, agreeing to pay up to $8,000 additionally (which I hadn’t yet found records for) to keep the home. No answer. I then found numerous errors on the part of both Countrywide and BOA in my mortgage history dating from 2006 and 2007 that accounts for this amount. I called the escalation department to get an audit done and figure it out. No answer. BOA quit accepting my payments. I got an attorney and filed in federal court. The judge ruled last week in favor of the bank. We are appealing, but I want this over. My petition is to demand that BOA do several things: Stop all foreclosure proceedings.Audit their records and correct the errors already presented to them.Settle with me on a principal amount owed and put me in a workout plan to start paying my mortgage again.Eliminate the penalties and interest accrued since they stopped accepting my payments in 2012.Correct the credit report. The mortgage payment is only $400 a month and $640 with escrow. I can pay this and this is cheaper than any rent. I have owned the home since 1996, so I have a good bit of equity in it. I just want to start payment my mortgage again. Please demand for these bank officers to fix this situation.
Petition to Richard K. Davis, Amy Frantti, Terri Charest, Tom Joyce, Nicole Sprenger
Give Candejah Back Her Home
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.