Mortgage Servicing Fraud
occurs post loan origination when mortgage servicers use false statements and book-keeping entries, fabricated assignments, forged signatures and utter counterfeit intangible Notes to take a homeowner's property and equity.
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Arrest Made in Home Foreclosure Civil Disobedience Program
Monday, February 23, 2009 
By Joshua Rhett Miller

Police in Baltimore today made what is believed to be the first arrest in a civil disobedience program aimed at supporting homeowners who refuse to vacate their foreclosed homes.

An activist with ACORN — the Association of Community Organization for Reform Now — faces criminal charges after breaking into a home in southeast Baltimore on Thursday to protest the foreclosure crisis sweeping the country.

"This is our house now," ACORN member Louis Beverly reportedly said after cutting a lock with bolt cutters at the home.

Beverly will be charged with fourth-degree burglary, according to Anthony Guglielmi, a spokesman for the Baltimore Police. Attempts to reach his attorney, Justin Brown, were not immediately successful.

Donna Hanks, who owned the home since 2001, lost it in September when she couldn't make her $1,995 mortgage payments. It was not immediately clear whether Hanks re-entered her home last week, but she was not expected to be arrested, Guglielmi said.

Other police departments contacted by said arrests would be made if an individual is determined to be residing at a foreclosed home illegally.


"If they're trespassing and it's not their property, absolutely, there'd by an arrest," a police source in Boston said. "If they were told to leave the property and they didn't, they'd be charged with disorderly conduct."

Pittsburgh Police Spokeswoman Diane Richard said charges would be filed against any individual found living in a foreclosed home, whether that individual had previously lived at the residence or not.

"If someone is court-ordered to vacate and they do not, it would be trespassing at that point," Richard said. "What exactly would be charged depends on the intensity of the violation. It could go all the way up to burglary, which is a felony."

The flood of foreclosures across the country has already led some law enforcement officials to alter how they handle evictions.

In Wayne County, Michigan, Sheriff Warren Evans suspended all foreclosure sales on Feb. 2 until a federal plan to combat foreclosures can be implemented, spokesman John Roach said. In Butler County, Ohio, Sheriff Richard Jones has reportedly ordered deputies not to evict residents who have no other housing options during the winter months. And in Cook County, Illinois, where a record 4,487 foreclosures occurred last year, Sheriff Thomas Dart appointed an attorney to review all eviction orders in October in order to protect individuals who continued to pay rent after their buildings were seized by banks.


"We definitely expected some kind of a response," Cox said. "We understand people have to do their jobs and we hope that they understand that we're doing this to highlight the issue."

Cox said he expects homesteading — refusing to vacate a foreclosed property — will become common as blame for the foreclosure crisis increasingly shifts from homeowners to financial corporations.

"This program is saying, 'We are not going,'" Cox said last week. "People say we're breaking the law, but we don't see how putting a person back in an abandoned property is harming anyone.",2933,498669,00.html

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4 Justice Now

I've never thought very highly of them as well. And I'm afraid they do much more to hurt the cause of MS Victims than help. I recall seeing a news article a few years ago announcing that they had teamed up with Ocwen supposedly in order to help home owners who might be facing foreclosure.  I still remember thinking to myself they must be either totally incompetent or part of the fraud. I have no idea which may apply, but it certainly doesn't look good to me.

My opinion only


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Acorn, like Jessie Jackson, et al, all follow the money.  You can buy protection, as in the case of the ACORN/Ocwen deal mentioned above.  The problem is not one single politician will stand up to them.  And they know it.


Some old timers will remember this – Acorn was useless and totally non-responsive back in 2001-2003 when the fight involved another predator.  Seems ACORN is scared to death of owls.


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I am pretty sick of these "faux victims". These are the kind of people who make others unaffected by the fraud think that everyone suffering from all types of mortgage fraud are con artists or just stupid.

I hope they jail Donna Hanks, lock, stock and barrel while making her vomit up the money!

ACORN Foreclosure Victim Not So Innocent

Last week, consumer advocacy group ACORN broke into a foreclosed home in Baltimore to reclaim ownership for a past homeowner, leading to the arrest of one its members.

The incident gained widespread media attention because of the length ACORN has gone to fight foreclosures, displaying acts of so-called “civil disobedience,” but it also left the group exposed to some harsh realities.

It turns out the former owner, Donna Hanks, purchased the property in 2001 for $87,000, and later refinanced it for a whopping $270,000, according to records obtained by Michelle Malkin (she did a good write-up here).

Obviously, a substantial amount of cash-out was taken at the time, as the property value increased more than three-fold in five short years.

Now it’s unclear where that money went, but it does put into question her role as “victim.”

Hanks went into foreclosure proceedings in the spring of 2006, and filed for bankruptcy protection months later, agreeing to pay $10,500 in arrears to halt said foreclosure.

The court ordered Hanks’ employer to deduct $340 per month from her salary to pay down the debt, but she failed to comply, leading to a second notice of default.

The home was eventually foreclosed on in 2008 after failure to make good on missed payments, leading to the ACORN break-in last week.

The problem, of course, is Hanks painted herself as a victim at the hands of the merciless mortgage lenders, choosing to complain about her increased mortgage payments instead of owning up to her missteps that led to the foreclosure to begin with.

And while banks and mortgage lenders have clearly played their part in the ongoing crisis, homeowners too have taken advantage of the unprecedented rise in home prices, which is perhaps what’s making a widespread bailout so difficult to swallow.

The break-in was part of ACORN’s latest campaign, which calls for a 90-day foreclosure moratorium on all mortgages so they can be modified into sustainable loans.
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