Anti-Debt Movement Sweeps Country, Camps Spring Up Across Florida

Occupy MiamiOriginally a day to show support for the 6 month anniversary of the anti-austerity movement in Spain, in just a few weeks October 15th, 2011, became a global day of action against bank bailouts, budget cuts, and corporate greed. While a lot of the attention was on the 100,000 people in Rome, the strikes in Greece, and the growing Occupy Wall Street marches, this has also become a week of firsts for all kinds of other places – such as Florida, which saw tens of thousands of people in the streets across the state which has led to countless camps dedicated to stopping foreclosures, student debt, war, and a variety of other populist beliefs.

Occupy Florida

Occupy movements are now campaigning or camping out in Miami, Fort Lauderdale, Tallahassee, Orlando, Tampa, Fort Myers, Melbourne, Jacksonville, Pensacola, Sarasota, Gainesville, Palm Beach, and Daytona Beach, with more likely in the works.

Over the weekend in Miami, over 1,000 advocates for employment, foreclosure and debt justice, peace, and prosecution of financial crime marched to Government Center, leading to over 50 people creating an ongoing camp despite a record breaking downpour that hasn’t stopped for 4 days.

Many people have been complaining that Occupy Wall Street doesn’t have any demands, but it is actually quite simple what they want: to end the financial crisis. This week is the three year anniversary of the collapse of Bears Stern and every attempt since by the financial sector, the government, and even the public, have only made it worse.

Occupy MiamiTo be certain, these enthusiastic campers do not have all the answers as to how to keep people in their homes and restore economic stability to the country – but they are establishing a constant pressure on those that have been found to have been intentionally hurting the vast majority in order to keep the banks afloat through lax regulation, flawed settlements, currency manipulation and outright fraud. Could this become the mass movement needed to operate outside the electoral process in order to remove public officials who serve the banks and force the nation’s mortgage lenders to stop forwarding their debts onto the American people?

So if you’re camping out to end economic injustice than good for you – however if you’re packing up because your mortgage has become unaffordable – contact Amerihope Alliance for a free consultation to see if we can help you stay in your home!

Go Big, President Obama, and Write Down Mortgage Debt!

President OWhat can President Obama do to stabilize the housing nightmare the country is experiencing?

Write down mortgage debt for the millions of underwater homeowners facing foreclosure. Debt forgiveness would be highly stimulative as well as just. Reducing the capital owned by families would enable them to keep their homes, rebuilt savings and begin to act like consumers again. Banks would take a hit on their balance sheets, but those loans could never be repaid anyway.

The New Bottom Line,a national campaign of labor/liberal groups and grassroots networks like National People’s Action, estimates that writing down underwater mortgages to market value would pump $71 billion a year into the economy and create 1 million jobs. Because huge portion of failed mortgages securities known as “toxic assets” are now federally owned-purchased by housing agencies like Fannie Mae or the Federal Reserve, the White House can use it’s clout to engineer terms for a general write down. Bank regulators can lean on bankers to comply.

(reposted from The Nation)

house

Amerihope Alliance Legal Services sees the suffering the nation’s largest mortgage lenders are creating every day by artificially keeping housing

prices at levels that benefit their own corporate interest. While we don’t have the power to make our government heed the needs of its people over that of its campaign financiers, we do everything we can for our clients that are losing their homes due to the financial crisis.

If negative equity, rising interest rates, or unforeseeable family hardships are putting you at risk of foreclosure, then get a free consultation today from Amerihope Alliance Legal Services to see if we can help you.

Successful Foreclosure Case Results

OcwenThis Florida homeowner hadn’t paid his mortgage for 18 months and was in an active foreclosure case. He retained Amerihope Alliance in September, 2010, right after being served foreclosure. His monthly mortgage payments were $1,856 with a 7.7% interest rate and he was $33,000 behind.

Amerihope Alliance Legal Services held a successful foreclosure mediation conference with Ocwen’s attorneys and our client’s past due balance was wiped clean and the foreclosure case was dismissed. Our client received a loan modification with a new monthly mortgage payment of $1,469.22, including escrows, for a savings of $387 per month. Their interest rate will be 3.875% for 5 years and then it will mature to 4.875%.

This is a great example of how hiring an attorney at the beginning of your foreclosure can help to achieve the best possible outcome for your family.

Join the Homeowner’s Occupation Movement

Occupy Wall StreetA volatile stock market, a financial sector is scrambling to stay afloat, and anti-bank animosity is pouring out in the streets of America. It’s looking like 2008 all over again! But perhaps the main lesson to get out of the new “Occupy Wall Street” movement is that the ’08 financial crisis never ended – a lesson that most homeowners already know too well.

Of course, many people trying to Occupy Wall Street….or Boston, or LA, or San Diego, or Miami, or Everytown, USA, are younger, concerned with student debt and unemployment. But all of these crises are brought about by the murky economic policies of our government – from foreclosure aid to tax incentives, everything has been geared towards protecting corporate profit as millions and millions of Americans slide towards poverty.

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Our Law Firm Gets RESULTS and Has a GUARANTEE

Guaranteed Foreclosure Defense

Absolutely no law firm can guarantee a specific legal result, BUT our law firm does guarantee a

100% or 50% Guaranteed Refund. Read the rest of this entry »

Successful Foreclosure Case of the Week

These Florida homeowners were 3 months behind on their Chase mortgage when they started the process to save their home. They were paying $2,549.56 PITI with an interest rate of 7.125%. By the time negotiations concluded the homeowners were 17 months behind and in active foreclosure – but finally they were approved for a Making Home Affordable loan modification!

After successfully completing 3 trial payments, the homeowners’ new monthly mortgage payment is $1,975.23 PITI with a 2% interest rate that will increase to 4.5% for the life of the loan. They save $574.33 a month with no upfront fees required. The foreclosure case was dismissed and the home was saved!

It really goes to show how far the banks will go to drag out the process – repeatedly asking for the same documents, shuffling clients from department to department, and making the homeowners think it wasn’t going to happen – but when a skilled foreclosure defense firm is on the job, we don’t give up on these scheming mortgage lenders!

Don’t Lose Your Home Over Homeowner Association Fees

Perhaps one of the most easily avoidable foreclosure pitfall we see too often today is homeowners who seem to be doing everything right – they’re making their mortgage payments, their interest rate is affordable, they may even have equity in their home – but they’re at risk of foreclosure over past due fees from their HOA! Read the rest of this entry »

Did You Know Your Taxes Have to be Filed to Get A Loan Modification?

FormsFor those that haven’t experienced the pain firsthand yet, you should know that tax forms are one of the most frequent and annoying requests that your mortgage lender will ask of you in the process of applying for a loan modification. So if you need to get your mortgage current and have unfiled taxes you’d better find those W-2 forms and get a head start! Read the rest of this entry »

Could You Be Eligible for A Refinance Soon?

As shortly as next week the White House will be announcing a new mortgage relief program. While the details are unclear it is expected to finally break the negative equity wall and begin to allow homeowners who are “not seriously delinquent” an opportunity to refinance – that’s right, there will be criteria under which underwater homeowners may refinance. It will be offered through FHFA so most homeowners should be able to apply. Read the rest of this entry »

Florida Homeowners Who Wish to Move Have Reached a Dead End

If you own your home in Florida and wish to sell, the hard reality is that you are likely to have to compete at a 20%-50% discounted rate. Even if you have paid off your mortgage and decide to rent your property to someone else in order to move, if there are high maintenance fees, it is highly probable that you would only break even.

Those who had done the prudent thing and bought a home that they could afford, are not eligible to receive the asssistance that people who bought what they could not afford are getting. Federal funding assistance is often only afforded to those people who are having trouble making their mortgage payments, not people who wish to sell in order only to move.

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