Kansas Citizen Establishes Self-Help Organization to Address Foreclosure Crisis

DOES THE BANK REALLY HAVE THE RIGHT TO SEIZE YOUR HOME?

November 7, 2011

Does a bank have the right to seize a home if it cannot prove that it owns the note which the homeowner signed?

TO ALL Homeowners,

If you are like most homeowners, you don’t have time in the day to add one more huge problem to your to-do list.

If you don’t know by now about what President John F. Kennedy was attempting to warn us about while he was President of the United States of America, you should take the few minutes now to listen to what he had to say. The following is our attempt to warn you and to explain about the System he refers to in his address before ‘The American Newspaper Publishers Association’ at Waldorf-Astoria Hotel on April 27, 1961. JFK did not explain the System or the Conspiracy but refers to them in his speech as if the ‘American Newspaper Publishers’ already knew of what he was referring when he used those terms and when he asked them:

 “I am asking your help in the tremendous task of informing and alerting the American people.”

 “…we are opposed around the world by a monolithic and ruthless conspiracy …”

“It is a system which has conscripted vast human and material resources into the building of a tightly knit, highly efficient machine that combines military, diplomatic, intelligence, economic, scientific and political operations.”

“The very word “secrecy” is repugnant in a free and open society; and we are as a people inherently and historically opposed to secret societies, to secret oaths and to secret proceedings.”

Audio from JFK library or a better Video of the same speech – 19:34 minutes or Six minute clip or  the Transcript

Please take some time, because it does affect all homeowners regardless if their home is paid off, current on payments or not. Listen to JFK so that you will believe what you are going to sooner or later learn about what the banks have done. This did not just start in 2008 but has been going on for over 100 years, and even the current Congress people or all the attorneys don’t know everything because it is really huge.

It is not over and may last for another ten years or longer. You will not have the time to learn what to do or even read all 262,000 reported websites from the Internet search telling us:

Industry analysts say 2011 is poised to be the worst year yet in the foreclosure crisis.”

The main reason that “2011 is poised to be the worst year” is that there are not enough people who can help all of the homeowners, and that is why we have to help one another. If you could take just a little time so that you could learn enough knowing from the beginning that it is a “monolithic and ruthless conspiracy” and that it cannot be solved by anyone overnight. Until you know the whole truth that most do not take the time to explain, you will never be able to tell who you can trust to help you save your home. Those who have waited too long may  find that there is very little hope and that they might still have to move out of their homes. We say “maybe” because if you knew enough, you could learn how to stay in your home.  You have to know that because of the ‘conspiracy,’ there can never be anyone who can guarantee to solve your problems.

You can see all the people on the Internet attempting to get you to pay them which would most likely require the homeowners to provide documents that they would not have the time to search for.  These documents would most likely be required in order to win in court, which most of the time will not happen unless you learn a few simple things that could stop the banks in their tracks. Some of the people are selling information, but in most cases it will not be enough to stop the foreclosure process. Again, no one can guarantee anything.

There are not enough ‘attorneys’ to handle all the current foreclosures, and it has been exposed that many of these attorneys looking for a paycheck are not providing a good legal representation. You should not blame them because the System is so complicated. It is so complex that unless people learn for themselves, they will never know who to trust.  In this video you will hear Representative Marcy Kaptur (D) from Ohio stating that 99.9% of the people have not had good legal representation. Attorneys are taught to go to court when they attended Law School. These attorneys have the same problems with paying their debts, so they should not be blamed because there are some who know and are attempting to do what they can. This is all about money, and a huge number of people who have already been foreclosed on and the millions or more who have not still need help now.

The banks don’t have enough employees to handle all of the homeowners who are currently behind on their payments, so they have a system that causes a prolonged timeline for helping anyone at this time.  Their plan is always changing with the help of the current government which adds to the time it may take to solve the homeowner’s problem if it is solvable. Today it looks as if only homeowners with a job earning enough to be able to pay their bills and a reduced home payment will qualify, but again, there are not enough bank employees to even process the homeowners who still have jobs.

The homeowner has to learn how to demand from the bank the correct documents so that when the banks learn that the homeowner knows what their unalienable Rights are when it comes to the papers they signed when they purchased their home, then and only then, will the banks really provide you with a new affordable mortgage.

Yes, it is going to be up to the homeowner sooner or later because we know of no one group of attorneys or anyone else who can help all the homeowners in need of immediate assistance or who were foreclosed on in 2010 – Home foreclosures in 2010 top 1 million for first time and the projected Home foreclosures in 2011 to be over 1.2 million.

If you have read this far, here is the plan. If you are a realtor or a homeowner who has purchased a home since 1999 or are having problems paying your mortgage, then you need help from someone with a track record of getting results.  We need you to contact your realtor because we have been overwhelmed with individual homeowners too, and just like the attorneys, we are not able to talk to everyone. Not all realtors are still in business, so we are going to ask everyone to contact a realtor in your area to see what they know and then ask them to call or email us. We are hoping to get at least one realtor in each county in each state which is being overwhelmed with home foreclosures so that there will be someone who knows and understands the problem. We cannot help 1.2 million people and we figure if we teach a few realtors we will be able to help a lot more people. If this works, our goal is for  more people be able to stay in their homes.

This will cost something, but we are hopeful of being able to pay our bills just as you are, and if we are able to help the realtor, then he or she may able to create a fund that we will also contribute to so that those who are not able to afford help also get the help they need. It may take donations from some who have a little extra disposable income, but if we don’t save the majority of the homeowners, then that surely will affect the price of our home and everyone else’s, too.

Recently we became acquainted with a man and wife who went without any income for over a year in 2001. He tells us that he called the bank as soon as he knew that they were not going to have an income to pay their home payment. The person he talked to at their bank told him that there was nothing they could do and that he should look into bankruptcy. This man is very educated as to what is going on in the economy and knows that bankruptcy is not a solution unless you actually have an income. He wrote a letter to the CEO of the bank, and in a few days he told us that someone from the bank called and addressed him by “Mr.” and his last name, asking, “What can we do for you?” Long story short, they were able to stay in their home for over a year without any payments to the bank. Once they had an income again, the bank worked out a payment program that they could afford. The only thing he tells us was that the bank would not at that time lower his fixed interest rate of 7%+, so in March 2009 when he learned about the Making Home Affordable Program provided by the current government, he called the bank again, hoping to be able to lower the interest rate. Even lowering your interest rate on a $100,000 mortgage by 1% saves $1,000 a year on your payments. A 30-year reduced interest rate mortgage would save a lot more than $30,000 over the life of the loan.   They first told him that the program was only for people who were late and was told that he would have to stop paying their mortgage payment before they would consider the ‘Homes Affordable Program,’ which he told us was not totally true. He stated us that most bank employees don’t know the whole truth and are told to tell the homeowner something which they are told is true and is not.

This is a major problem, as we see it, and we have learned a lot about what is needed to save homeowners from foreclosure.  His story goes on for over a year attempting to get a lower mortgage. While he was still being told that he and his wife qualified, they did not have the signed document in hand when they were served by an attorney with a foreclosure lawsuit through the local court. As I told you earlier, he is someone who knows a lot or knows others who know a lot about what is really going on. We have seen the court papers and his answer at the county records office, where all such actions are public record.

The homeowners filed a reply to the action and nothing happened for months. At some point the judge dismissed the foreclosure case and the only reason we can think of is that this man is well-known by people in his county. They know that he knows what is doing, so the judge waited long enough and under their rules, if no action is taken by either party to the suit, the action can be dismissed by the judge.

Sometime later out of the blue, the bank noticed them that they now qualified for a new mortgage. He tells us that most banks do not do a modification of the current loan for a whole lot of reasons which, not being insiders with the banks, we are unable to verify. But his really great news was the new loan was for a new 40 years with a monthly payment starting on June 1, 2011 of $605.58 which is almost half of what his payments were. The interest rate for the first five years would be 2%, the sixth year would be 3%, seventh year would be 4% and the eight through the 40 years would be 4.75% and a projected payment of $721.58. He tells us no one knows what they will be able to afford even next year because of the current state of the economy.

Also in section C, it states that “$30,596.35 of the New Principal Balance shall be deferred” and there will not be any interest or monthly payments on this amount. Yes, we could not believe it, either, so he PDF’d the page, and sure enough, it is true.

Please note that no one can guarantee anything, but we still have to do what we can and that is our offer to your realtor.  We have to enlist everyone we can to be able to communicate with as many homeowners as possible who have not been served as of yet of the 1.2 million projected to be foreclosed on this year. We are telling you that this is not going to be over this year or any time in the near future.

Please note we are not financed by anyone and therefore we cannot do what we do without some form of payment. But we are willing to help as many as we can as long as we can make some kind of agreement for payment even if you cannot afford anything right now.

Sincerely submitted,

Steven Wayne Pattison

Cell:  (913) 461-1661

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Editor’s Note:  The Post & Email has just conducted an in-depth interview with Mr. Pattison regarding his efforts to help homeowners to keep their homes.  He is asking anyone interested in joining his initiative to contact him at the above telephone number.

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