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Sep 22, 2010

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Posted: Sep 22, 2010 7:11am
Feb 10, 2010

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Posted: Feb 10, 2010 3:21am
Jan 28, 2009

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Posted: Jan 28, 2009 7:36am
Jan 7, 2009
The "Save My House" web site was originally created on June 26, 2007 in an effort to right a wrong. The site is now primarily focused on trying to keep the roof over our heads while I search for a job. Please click here if you want to help us out by making a Donation. This blog was created so I could post my thoughts, frustrations and information and also, so that people could post their remarks to us.

Ultimately, even more than catching up the payments we're behind or paying off
our mortgage, I want to find a job, I need a chance, and I would really like to be able to
pay my bills again. Here is a link to my resume if you, or some one you know is looking for a talented, experienced employee.

Another goal of the site is to help other people to find information that might help them in their own efforts to try to keep their home.

On Christmas Eve, Worcester Magazine wrote an article about us which appeared in their City Desk section. Titled "Brother, can you spare a dollar?" You can read the whole story from links on the documentation page on the web site.

Please DO...
... link to this blog and the web site.
Tell people about it and us.
Talk about it at work, school, at a party...
Get in touch with me if you're going through a foreclosure yourself.
Recommend this as a story to your local news papers and TV stations.
We can sure use the publicity to help spread the word not only about us, but about other people like us who are facing difficult times.

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Posted: Jan 7, 2009 10:59am
Nov 24, 2008
This isn’t a joke. It isn’t a scam. It’s a request, an appeal if you want, for help.

The current economic crisis is not going to go away overnight. No one knows if we’ve hit bottom or when we will begin to see better financial times. Most of us already facing the loss of our homes are going to be joined by many more people who will be in the same situation very soon. Due to the huge number of foreclosures and the lack of any realistic help from either the banks or the government, we homeowners need to help ourselves.

Yes, I am asking for help for myself but I also want to help other people too. I know I can't help everyone who's going to lose their house but if I can help three other people save their house...well I think you can see where I’m going. If I help three people and they in turn help out three people we can change a lot of lives for the better.

What I’m proposing something very simple but very powerful. Give a dollar. That’s right 1 dollar, 4 quarters, 10 dimes, 20 nickels, 100 pennies, however you want to do it. get your friends to also give a dollar, your coworkers, church group, school, anybody. I’m going to be posting people in need of help on a web site titled Save My House located at
http://www.house.phantazm.com/ along with information on how to donate to help them. If you want to get started right away get in touch with a local church or a group that deals with homelessness. I’ll have some of those listed on the website soon too. There are millions of people in America. At one dollar each, think of what we could accomplish.

Ultimately, my goal is to raise enough money, to not only make mortgage payments but to pay off some of the mortgages of homeowners who can no longer afford to make payments do to loss of income, medical issues or some other financial distress. Jobs are going to be very difficult to find until the economy starts to recover and people shouldn’t have to worry about the roof over their head along with how their going to survive a monetary disaster.

Don’t say “I can’t help” Skip the coffee or doughnut on the way to work one morning a week, collect 20 soda cans if your state has a deposit on them, pick the change out of the couch, pick up all the pennies you see on the sidewalk. Give a dollar just once if you like. Give a dollar a week if it makes you feel good to be helping people out. If you can, and want to, give more than a dollar, you’re amazing and thank you so much. Please pass this along; spearhead a local effort for people in your area. Just remember, it won’t help anyone, if no one knows about it.

Thank you

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Posted: Nov 24, 2008 8:22am
Nov 20, 2008
This applies to Wall Street, the Banking Industry, The Big 3 Car companies and a lot of others out there.

When I was growing up I remember hearing about mergers and take-overs that were stopped by laws here in the US against monopoly organizations. Today as an adult there seem to be very few individually owned companies; most are subsidiaries of huge corporations based in far off locations. My dad and his fellow workers were treated as respected assets who were essential to the success of the company where they worked. Those companies were for the most part owned and operated by people who lived in the same communities where their businesses operated. They knew their employees and the people in the towns where they did business. Today’s worker is treated with disrespect, even contempt because their needs and needs of the municipalities where they operate cut into the corporate/shareholders profits.
What happened to those laws which were supposed to keep companies from getting so large that they would cause financial collapse on not only a national scale but a global one?

What happened to corporate responsibility? Today companies do what ever it takes to make the most profits with the least expense up to and including cutting all the corners they can get away with. Outsourcing has been a tremendous boon, especially to manufacturing companies that have moved to countries where oversights are lax or even nonexistent.

Before ANY company in ANY industry gets ANY kind of assistance from the government, which, by the way, represents the American People, they should be required to sign agreements limiting the salaries of CEO’s and dividends paid to investors. These CEO’s made the bad decisions which brought their companies to the brink of disaster. These investors backed those CEO decisions and therefore should also suffer the consequences of investing in questionable practices. Why, if the government agrees to fund an attempted recovery, should there not be some oversight and penalties for the people who created this mess?

OK I can hear people now saying that this is America and we can’t regulate companies like that…True, if these companies want to take responsibility for and pay the price of their bad policies they are free to do what they want, on their own. However, if they want government help to keep their companies from failing, they should be required to agree to take drastic cuts in profits and put that money back into their own companies. Further, if they want help from the American people they should be required to use American workers on American soil for any product or service sold or provided to the American people. If they don’t like that let them find private funding for their bailouts.

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Posted: Nov 20, 2008 2:53pm
Nov 3, 2008
To everyone following our story, We have gotten a temporary reprieve on the auction of our home. It has been postponed to December 5th while our paperwork is being reviewed for yet another new program. To anyone out there in a similar situation, keep looking for help, keep trying, and don’t give up. I can’t say you’ll be able to save your house but don’t give up. As to our own house, we have 32 days to work a miracle…

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Posted: Nov 3, 2008 1:09pm
Oct 31, 2008
I’m NOT Joe the Plumber…

…I’m Cheryl the unemployed graphic designer. I don’t have to worry about what the tax rates are because I haven’t paid any taxes for years. I’m not worried about Wall Street or the stock market, personal savings, investments or retirement accounts because I no longer have any of those things. I’m not interested in restoring the banking industries ability to provide credit so people can finance cars, vacations or houses.

I gave up my car in 2004, haven’t been anywhere on vacation since 1962 and my home is being auctioned off on Monday November 3 rd at 3 PM. Just 24 hours before my husband and I go to vote for hopefully the next president. The best of luck to who ever it may be they’re going to need it. What happens after that, I have no idea. The job outlook is getting worse by the hour. I’ve been out of work since 2003. I went back to college, polished my resume, studied potential employers, personalized cover letters and targeted my resume submissions. I’ve applied for over 700 jobs since the company I worked for went bankrupt and I’m still unemployed.

Because I lost my job, we used up all our savings, we’re behind on all our bills and our credit rating is pitiful. Because I can’t find a job, we’re going to lose our home and we can’t even afford to rent an apartment. People keep telling me I’m doing all the right things, just keep trying and hang on. If I’m’ doing everything right, why is my life going so terribly wrong?

My birthday is Sunday November 9th, it’s going to be too late to wish for my house, but I am hoping if I wish very hard, that I might get a job.

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Posted: Oct 31, 2008 11:48am
Oct 20, 2008
Proposal for Alternative Mortgage

I would like to propose the following idea as a means to allay some foreclosures, keep people in their homes and ultimately help not only the Wall Street economy but also the people on Main Street America. The Alternative Mortgage would be available to people who don’t qualify for, and or in addition to, the HUD, Hope for Homeowners and other programs.

I believe this plan would be most beneficial to all parties by allowing for the maximum retention of homes by homeowners, maintaining home values in municipalities and minimizing losses to the banking/mortgage industry. The Alternative Mortgage would work something like this:

1. Starting with the date of signing a modification the past due Principal, Interest, (and if applicable) Home Owners Insurance and Property Taxes, be added to the end of the existing Mortgage extending its term. Depending on the financial situation of the homeowner the bank should be required to cede attorney and other associated foreclosure fees.
2. To facilitate keeping people who are in temporary financial crisis in their homes the mortgage payment should be based on a percentage of the household income. Income to be determined based on total household Federal tax returns and reviewed annually. (children living at home under a certain age and or still in college should be exempt unless particular circumstances prevail) This would allow banks to adjust mortgage payments as the home owner becomes financially stable again.
3. In the event of sale of the property or re-financing the total amount of principal and interest due on the reformed mortgage would be due and payable as in the due on sale clause of a regular mortgage.

Example: The homeowners can’t afford their mortgage payments due to the loss of income of one of the household members. They fall behind on their mortgage by 6 months. Their home is worth the same or more than the original mortgage. They agree to pay their mortgage company 25-33% of their after tax income as a mortgage payment while the unemployed person finds work. Their current arrears less late fees, attorney fees and foreclosure fees are added to the end of their mortgage extending the term by 6 months. For the period they maintain the alternative mortgage they provide their mortgage holder with copies of their Federal tax returns for annual review. Their mortgage payment can then be adjusted as their income stabilizes, up to but not more than, the amount of their original mortgage payment. (original mortgage payment with property taxes and insurance $1000.00, Reformed/modified mortgage payment @ 25% of homeowners household income, $750.00. per month with 9 months added to the term of the original mortgage, 6 - $1000 payments to cover the 6 missed payments and 12 - $250 payments to cover the 12 income adjusted payments. At the first annual review the homeowner has sufficient income to resume regular payments of $1000 and the reformed mortgage reverts to a regular mortgage with the additional 9 months added to make up the missed and adjusted payments.)

This would allow the economy to stabilize, people to keep their homes and banks to incur less financial costs than those associated with traditional foreclosures. This would also prevent further decline in the housing market helping to slow the depreciation of house values.

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Posted: Oct 20, 2008 3:31pm
Oct 20, 2008
Proposal for Alternative Mortgage

I would like to propose the following idea as a means to allay some foreclosures, keep people in their homes and ultimately help not only the Wall Street economy but also the people on Main Street America. The Alternative Mortgage would be available to people who don’t qualify for, and or in addition to, the HUD, Hope for Homeowners and other programs.

I believe this plan would be most beneficial to all parties by allowing for the maximum retention of homes by homeowners, maintaining home values in municipalities and minimizing losses to the banking/mortgage industry. The Alternative Mortgage would work something like this:

1. Starting with the date of signing a modification the past due Principal, Interest, (and if applicable) Home Owners Insurance and Property Taxes, be added to the end of the existing Mortgage extending its term. Depending on the financial situation of the homeowner the bank should be required to cede attorney and other associated foreclosure fees.
2. To facilitate keeping people who are in temporary financial crisis in their homes the mortgage payment should be based on a percentage of the household income. Income to be determined based on total household Federal tax returns and reviewed annually. (children living at home under a certain age and or still in college should be exempt unless particular circumstances prevail) This would allow banks to adjust mortgage payments as the home owner becomes financially stable again.
3. In the event of sale of the property or re-financing the total amount of principal and interest due on the reformed mortgage would be due and payable as in the due on sale clause of a regular mortgage.

Example: The homeowners can’t afford their mortgage payments due to the loss of income of one of the household members. They fall behind on their mortgage by 6 months. Their home is worth the same or more than the original mortgage. They agree to pay their mortgage company 25-33% of their after tax income as a mortgage payment while the unemployed person finds work. Their current arrears less late fees, attorney fees and foreclosure fees are added to the end of their mortgage extending the term by 6 months. For the period they maintain the alternative mortgage they provide their mortgage holder with copies of their Federal tax returns for annual review. Their mortgage payment can then be adjusted as their income stabilizes, up to but not more than, the amount of their original mortgage payment. (original mortgage payment with property taxes and insurance $1000.00, Reformed/modified mortgage payment @ 25% of homeowners household income, $750.00. per month with 9 months added to the term of the original mortgage, 6 - $1000 payments to cover the 6 missed payments and 12 - $250 payments to cover the 12 income adjusted payments. At the first annual review the homeowner has sufficient income to resume regular payments of $1000 and the reformed mortgage reverts to a regular mortgage with the additional 9 months added to make up the missed and adjusted payments.)

This would allow the economy to stabilize, people to keep their homes and banks to incur less financial costs than those associated with traditional foreclosures. This would also prevent further decline in the housing market helping to slow the depreciation of house values.

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Posted: Oct 20, 2008 3:31pm

 

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Cheryl P.
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Rochdale, MA, USA
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by Dave O.
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Nov
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Oct
25
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(1 comments  |  discussions  | 2 responses )
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Sep
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Sep
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