Eviction on September 11

The Minneapolis Five and the Eviction on September 11
- by Becca and Lynette -

In the midst of the home foreclosure crisis, many homeowners succumb to feelings of guilt and inadequacy when they can't make mortgage payments, allowing banks to take back houses. The frequency of these land grabs by America's banks is a sign of deepening economic depression.
Still, some homeowners are fighting back. The Minneapolis Five have bravely emerged from the confusion of their foreclosures in the past year, and are publicly fighting to keep their homes.
They are long-term homeowners, unwilling to pick up and move in the middle of their lives, sick of being singled out either for being black or being women.
They are five middle-aged single women from metropolitan Minnesota, and, until September 11, they were all wondering if and when they'd be kicked out of their homes by sheriffs or police.
On September 11, 2009, beneath the hubbub of news surrounding the anniversary of New York terrorist attacks and a local policeman's death, the loud and proud Rosemary Williams was evicted from her house by police. She had made headlines twice before with the bold occupation of her foreclosed home, with family and local activists' support. Now she is the first of the Five to be escorted out of her house with all her belongings while police cover her windows and doors with sheet metal.
Rosemary Williams, 60, grew up on the Clinton Avenue block where her home was purchased 23 years ago. She lived there with her mother until she passed away 6 years ago, and Rosemary refinanced the home with an ARM so her siblings could
receive their portion of the estate. She became unemployed, found work again, and now continues her work and activism though homeless. She made a point of telling her story to the press, to nonprofits that purport to help people in foreclosure, to the unresponsive Mayor R. T. Rybak, and to First Lady Michelle Obama. When her home had already been once paid for, there was no reason for her to be kicked out over an ARM-- but GMAC, the mortgage company, seems to prefer its customers homeless and its assets revolving like musical chairs.
Rosemary's occupied house had become a hub of community gatherings, neighborhood watches, and activist press conferences. It was where the Five gathered to tell their stories to IndyMedia.

Linda Norenberg, also 60, lives on a Robbinsdale property that has been in her family since 1938. Linda's father built the home in 1944 on top of a basement where the family had been living for two years. Always a pillar of her community, she currently is employed and the grandmother of three, great-grandmother of three.

Linda refinanced once with a fixed rate mortgage. But the mortgagor kept calling: "Wouldn't you like to lower your rate?" So she refinanced to an ARM, not realizing until later that her minimum payment was not paying down the principal. After being laid off from her full-time job, she refinanced again in 2003 but was unable to obtain sufficient employment and began falling behind in payments. She received the foreclosure notice in November, 2007 and began looking for assistance right away.

She thought that the sheriff's sale had taken place Dec. 10 the of '08, but in fact it did not take place until Jan. 30, '09. Chase Bank didn't call back to to tell her this until February.she was told that their bank had put a freeze on foreclosures for the month of December. Linda's daughter Katie and her 3 kids ended up losing her apartment, so they all moved in at Christmas. Now three generations depend on this property that could be taken back at any moment.

Leslie Parks, 45, is resisting on behalf of her mother, Tecora. They both work full time. Leslie has lived in the upper level of her mother's duplex for 23 years. Tecora took out an ARM to cover upgrades to the windows in Leslie's duplex because the city ordered the improvements.
One night last winter well after dark, an employee of the bank who perhaps after knocking on the front door, went around to the back and threw rocks at her lighted window, shouting out "THIS BUILDING IS IN FORECLOSURE."
The experience threw Leslie into a high blood-pressure emergency. As she was coping, one night in May, before the sheriff's sale, she came home from work to find an illegal
lockbox on the door. She could not enter her own place even to feed her cats. She paid for a locksmith to break in and install new locks. PPEHRC paid filing fees so that she could press charges against Indy-MAC whose hired inspector made a big mistake, concluding that the property was vacant! The redemption period ends in late November and they are desperately in need of a pro-bono lawyer.

Barbara Byrd, 50, is a working woman whose duplex in Brooklyn Park was financed through EMC. The Bear Stearns Companies, LLC and its subsidiary, EMC Mortgage Corporation, recently agreed to pay $28 million to settle Federal Trade Commission charges that they engaged in unlawful "predatory lending" practices in servicing consumers' home mortgage loans.

Barbara is to appear in Hennepin County district court Sept.16th to appeal her eviction. In March 2009 when Barbara lost her tennent and fell behind in her ever-rising payments, EMC made notary date-errors in the foreclosure documentation. During her June eviction hearing in housing court, the judge had assured her that should would not have to move. Still a 24-hour eviction was posted on her door July 6th, and Barbara spent sleepless nights for fear of being thrown out. Because she works nights, she isn't at home to witness when inspectors come peeking by to determine whether or not the property is vacant. She has to keep sticking her head out the window to prove that she is living there.

Ann Patterson, 40, is a mother of five. She worked for 19 years at the same hospital. She's never missed a payment on their house of 12 years. Looking ahead to see that six months down the road her ARM will balloon and they will not be able to make the payments, she has made several attempts to remodify with Wells Fargo without results. Any other programs including Habitat for Humanity turned her down because she is not yet in default. Scammers have approached her, and lawyers have demanded Two ( or more ) Thousand dollars up-front to aid her struggle for remodification to an affordable rate. The house supposedly is worth $169,000. The paperwork for each application is a burden, and clerks often lose some of the documents or claim that they never rececived them. The emotional toll of worry for her is heavy and she is losing hope.
http://www.youtube.com/user/glassbeadian#p/u/10/YGZCXaXSbbA