It took one person Tanya Dennis who almost lost her home to come to his rescue and…NOT the government!

Banks got Bailed Out and homeowners got Sold Out!

ABC-

An East Bay homeowner is poised and ready for Alameda County Sheriff’s deputies to arrive to evict him from his foreclosed home. It’s a David versus Goliath story with a legal loophole. The disabled community activist says the bank committed fraud and he’s using an unusual legal tactic to stay in his home.

“I’m not nervous, I’m mad,” said Leonard Wilson.

Wilson has lived in the house for 26 years, but he says an increase in his monthly mortgage payment from $2,000 to $3,900, combined with identity theft, has left him on the verge of homelessness.

“It would be different if I had a place to go. I don’t have anybody left here that’s helping me. The only person that is helping me is Tanya Dennis,” said Wilson.

[ABC]

HuffPO-

Mandi Shaw was dealt a seemingly insurmountable hand.

The 47-year-old Utah woman’s heart is at only 20 percent of normal capacity, and the results of her birth defects include clubbed feet, no fingers on her right hand and teeth so soft they fell out, according to Deseret News.

Her disabilities are making it impossible for her to work and nearly impossible to pay her mortgage, according to the news site. Now, Shaw is turning to YouTube for help in keeping their home.

To anyone willing to help, Shaw says in the video: “I would be forever grateful and indebted.”

[HUFFINGTONPOST]

Via Virginia Parsons w/ Comment:

Let me also add – this couple, who are visually impaired, could not read the loan documents.  There are no laws to protect them that might make it mandatory for the loan documents to be read aloud.  And as we are all well aware, loan documents are not provided in advance of signing for any attorney or accountant to review.

Blind man, woman file a countersuit, saying predatory practices hurt them

December 19, 2010 – By HARRY EAGAR, Staff Writer

KIHEI – Across the country, a few of the millions of people who have had their homes foreclosed are counterattacking in the courts. One of the Maui suits involves Wilmer Galiza and his wife, Flordeliza Tapat. Many Mauians know them.

Both are members of Blind Vendors of Hawaii. Galiza operates the snack shop at Maui Memorial Medical Center (and formerly ran the one at the courthouse), and Tapat runs the one at Kalana O Maui, the main county building in Wailuku.

In 2005, they had owned a home in Dream City for eight years. Galiza’s brother next door wanted to sell his bigger home, and he and mortgage broker Eric Miyajima urged the couple to keep their small house and buy the bigger one. By living in the big house and renting out the small house and three apartments in the big one, they were told they could build up assets for their retirement.

That dream didn’t work out. They’ve been foreclosed on both houses. Their credit is damaged, and although they continue to live in the second house, which is specially equipped for their needs, they face the threat of eviction at any time.

Their case offers an example of just about everything that could go wrong during the mortgage run-up and run down, according to their attorney, Jim Fosbinder: unrecorded transfers of deeds, predatory bait-and-switch offers, failure to disclose required information to borrowers, promises of assistance that never came; stonewalling their attempts to modify not one but two mortgages; robosigners; and missing documents.

This is happening all over….Make sure you have everything in writing and do not let your gaurd down! You will get evicted…it’s part of the game!

They were evicted, and late fees and charges added over $20,000 to their mortgage.

Loraine and Kerry Swope likely would have lost their south Charlotte home to foreclosure last year had they not been trying to resolve issues with their lender and get a loan modification.

They rejected an offer last summer from GMAC that would have reduced their monthly mortgage payment by 40 percent because of several concerns, including their contention the debt wasn’t valid. GMAC reviewed their account several times, and the Swopes tried a court appeal, which they lost. During the battle, late fees and other charges added more than $20,000 to what had been a $197,000 mortgage.

This May, during a morning rainstorm, the Swopes were evicted. They hadn’t finished loading their belongings.

“Everything sat outside and got rained on,” she said.

The Swopes’ saga started in the summer of 2007 with a relocation decision that snowballed into economic disaster.

They were drawn to Charlotte from Florida by the city’s bustle and banking industry. He was also seeking better medical care for complications from a knee replacement.