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Produce the Note

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Posted on Feb 3, 2009
Flickr / respres

By Amy Goodman

  Marcy Kaptur of Ohio is the longest-serving Democratic congresswoman in U.S. history. Her district, stretching along the shore of Lake Erie from west of Cleveland to Toledo, faces an epidemic of home foreclosures and 11.5 percent unemployment. That heartland region, the Rust Belt, had its heart torn out by the North American Free Trade Agreement, with shuttered factories and struggling family farms. Kaptur led the fight in Congress against NAFTA. Now, she is recommending a radical foreclosure solution from the floor of the U.S. Congress:

  “So I say to the American people, you be squatters in your own homes. Don’t you leave.”

  She criticizes the bailout’s failure to protect homeowners facing foreclosure. Her advice to “squat” cleverly exploits a legal technicality within the subprime mortgage crisis. These mortgages were made, then bundled into securities and sold and resold repeatedly, by the very Wall Street banks that are now benefiting from TARP (the Troubled Asset Relief Program). The banks foreclosing on families very often can’t locate the actual loan note that binds the homeowner to the bad loan. “Produce the note,” Kaptur recommends those facing foreclosure demands of the banks.

  “[P]ossession is nine-tenths of the law,” Rep. Kaptur told me. “Therefore, stay in your property. Get proper legal representation ... [if] Wall Street cannot produce the deed nor the mortgage audit trail ... you should stay in your home. It is your castle. It’s more than a piece of property. ... Most people don’t even think about getting representation, because they get a piece of paper from the bank, and they go, ‘Oh, it’s the bank,’ and they become fearful, rather than saying: ‘This is contract law. The mortgage is a contract. I am one party. There is another party. What are my legal rights under the law as a property owner?’

  “If you look at the bad paper, if you look at where there’s trouble, 95 to 98 percent of the paper really has moved to five institutions: JPMorgan Chase, Bank of America, Wachovia, Citigroup and HSBC. They have this country held by the neck.”

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  Kaptur recommends calling the local Legal Aid Society, bar association or (888) 995-HOPE for legal assistance.

  The onerous duty of physically evicting people and dragging their possessions to the curb typically falls on the local sheriff. Kaptur conditions her squatting advice, saying, “If it’s a sheriff’s eviction, if it’s reached that point, that [staying in the home] is almost impossible.” Unless the sheriff refuses to carry out the eviction, as Sheriff Warren Evans of Wayne County, Mich., has decided to do. Wayne County, including Detroit, has had more than 46,000 foreclosures in the past two years.

  After reviewing TARP, Sheriff Evans determined that home foreclosures would conflict with TARP’s goal of reducing foreclosures, and that he’d be violating the law by denying foreclosed homeowners the chance at potential federal assistance. “I cannot in clear conscience allow one more family to be put out of their home until I am satisfied they have been afforded every option they are entitled to under the law to avoid foreclosure,” he said.

  Bruce Marks of the Boston-based Neighborhood Assistance Corporation of America (NACA) is taking the fight to the homes of the banks’ CEOs. Last October, as the TARP bailout was shaping up to benefit Wall Street and not Main Street, NACA blockaded the entrance of mortgage giant Fannie Mae until it got a meeting with executives there. Now NACA is working with Fannie Mae to restructure mortgages. Marks is organizing a nationwide, three-day “Predator’s Tour,” going to the CEOs’ homes to demand meetings with them. He told me: “This is what we’re going to do with thousands of homeowners, go to their [the CEOs’] home and say: ‘I want you to meet my family. I want you to see who you’re foreclosing on.’ ... If they’re going to take our homes, we’re going to go to their homes, and we’re going to tell them, ‘No more.’ ”

  Before the inauguration, Larry Summers, the chair of President Barack Obama’s National Economic Council, promised congressional Democratic leaders to “implement smart, aggressive policies to reduce the number of preventable foreclosures by helping to reduce mortgage payments for economically stressed but responsible homeowners, while also reforming our bankruptcy laws and strengthening existing housing initiatives.”

  According to a report by RealtyTrac, “Foreclosure filings were reported on 2.3 million U.S. properties in 2008, an increase of 81 percent from 2007 and up 225 percent from 2006.” As the financial crisis deepens, people facing foreclosure should take Kaptur’s advice and tell their bankers, “Produce the note.”
 
      Denis Moynihan contributed research to this column.

  Amy Goodman is the host of “Democracy Now!” a daily international TV/radio news hour airing on more than 700 stations in North America. She was awarded the 2008 Right Livelihood Award, dubbed the “Alternative Nobel” prize, and received the award in the Swedish Parliament in December.

  © 2009 Amy Goodman

  Distributed by King Features Syndicate


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By Property for sale Phuket, May 31, 2011 at 9:04 pm Link to this comment

This is almost anarchy, and probably what needs to occur. When you consider the bailout for big business, as I believe the economy may have benefited by clearing debts of all of the families across USA in order for them to remain in their homes. Imagine!

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By Sam House, January 12, 2011 at 11:46 pm Link to this comment

I have heard of this ‘produce the note’ defense being applied more and more frequently but I must wonder if it really has any effect. With the news filled with stories of ‘foreclosure mills’ which are blindly churning out foreclosure papers as fast as they can sign them, and local sheriffs who accept such papers as perfectly legal and enforce them without mercy at what point does a maligned home-owner get an opportunity to actually demand the not be produced?

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By Jude, March 29, 2009 at 8:13 pm Link to this comment
(Unregistered commenter)

Nice post!

I like the part about produce-the-note. I live in Tampa and know one person he helped, and it actually worked. This site has all the videos they have done. Watch all the videos here: http://tinyurl.com/bozo2d

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By Louise, February 8, 2009 at 7:07 am Link to this comment

By KDelphi, February 7 at 9:11 am #

“Louise—“Incredibly” we can agree?? Well, that kindve hurts my feelings, as, I never thought that we were in that much disagreement before—maybe couple of issues about housing, but…oh well.lol.”

~~~

Sorry about that. I guess yesterday was one of those mornings when a lotta grief caused a little anger. Although I don’t remember being angry ... just sad.

Or maybe I’m just not use to people agreeing with me. smile

I LOVE Dennis Kucinich too! Thank goodness for a head in Congress that’s not on backwards!

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By KDelphi, February 7, 2009 at 10:11 am Link to this comment

Louise—“Incredibly” we can agree?? Well, that kindve hurts my feelings, as, I never thought that we were in that much disagreement before—maybe couple of issues about housing, but…oh well.lol. Seriously, I think that most of the people who fequent so-called (I know) liberal sites have much more in common then it seems to the casual observer. For instance I dont think that many here think that tax cuts (more!) is a very good idea. I agree with you on the Stimulus—the more so-called (sigh) conservative crap in there, the less there will be for actual recovery and working peole, who have been SERIOUSLY abused by the GOP! I get angry when Blue Dogs vote with the GOP and block programs. The GOP, while spending wildly, has cut funds to social programs so deeply that some are almost non-wexistent—some of the Bill was probably catch up, but, so be it. I also do not like to see funds to the States being cut. That being said…..

“There is a huge difference between being afraid and stingy and being a true conservative. There is a huge difference between being a foolish spendthrift and being an honest liberal. The conservative liberal tries to be generous and sympathetic while maintaining control over their resources.”

I agree that these neo-cons are NO conservatives! My father was an “original” conservative, but, left the GOP when they entered Gulf War 1—-he didnt like Reagan either…I mean he LIKED him, like so many of his generation (cowboy movies, I think)

We might disagree as to whose “resources” they are—I suspect that I believ more in the commonwealth than a Paul supporter might, and, I dont believe that sympathy does anyone much good. I think that it is good public policy to provide all of our citizens with quality educaiton (I would say K-PhD, if one can pass), and, necessary health care, cradle to grave, free of charge. It is alot cheaper to do these things, with pooled resources. Buying individually in a capitalist economy just emphasizes profits for big corp.

I LOVE Dennis Kucinich! ; )

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By Louise, February 7, 2009 at 8:02 am Link to this comment

Incredibly, I think we can agree to agree on this one, sorta. The Blue Dogs are for the most part repubs in blue drag. Offhand, I cant think of a repub I like, except Paul. But I don’t consider him a true repub, any more than I considered Johnson a true dem. And the tax cuts the repubs have pushed and the dems have agreed to, [in the current version of the Senate bill] will do little more than remove almost half of the so-called stimulus money from actually stimulating the economy.

As to which group do I belong to ... well, as I tell my friends and family, I am a conservative liberal. And yes there is such a thing. I think I’m in good company too, because although a lot of folks don’t know it, I think that’s what a lot of folks are. wink

The problem as I see it is, people get hung up on labels without actually knowing what they mean. Which is why I often preface conservative and liberal with so-called.

I am a moderate and cautious conservative who favors thrift over debt, [which is why I have never had a credit card] that recognizes the need to be liberally generous and sympathetic with my time and resources regarding those in need of anything, [when humanly possible] be it simply time, or simply financial assistance, or simply understanding. Which conservative values call for, as do liberal values.

There is a huge difference between being afraid and stingy and being a true conservative. There is a huge difference between being a foolish spendthrift and being an honest liberal. The conservative liberal tries to be generous and sympathetic while maintaining control over their resources. The conservative liberal is cautious regarding change, but able and willing to make change if necessary.

Conservatives make a monumental mistake when they label the Republican Party as Conservative. The repubs have demonstrated time and again that they are the foolish spendthrifts, which got us into the mess we are in right now. And the liberals make a monumental mistake when they label the Democratic party as Liberal. The dems fear of challenging so many absurdities in the opposition demonstrates they are too cautious and afraid of change.

In my mind there are only two men in Congress today who come close to being honest conservative liberals. Dennis Kucinich and Dr. Ron Paul. wink

Maybe some day we will see the voting public overcome their identity crisis and actually understand who and what they are voting for. Maybe.

By the way, I tend to be opinionated, which is characteristic of both liberal and conservative.

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By KDelphi, February 6, 2009 at 11:52 pm Link to this comment

Louise—You coudont be more off if you tried…the only reason I wouldnt want the bill to pass it that it has too many tax cuts in it!
“Which group am I in”?? Neither, and proudly so! It certainly wasnt one party or the other alone that got us where we are today, and, I belong to neither!

There are very few GOP I can stand. The Blue Dogs (along with the GOP—I take it for granted that people know that most of them are worse than useless!) have been stalling, and, tonight, agreed to cut health care and education provisions—-taking the tax cuts out wouldve been better.

If you want to tow any party’s line, go ahead. They both suck. GOP suck more. So go join one.

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By Louise, February 6, 2009 at 6:16 pm Link to this comment

Outraged:

Thanks for the link! smile

KDelphi:

There are basically two groups of people who just don’t want to do anything constructive about the mess we’re in. Hard right conservatives and their supporters and, uhh, people who want to defend hard right conservatives and their supporters.

What is NOT being talked about is WHY these two groups do NOT want to do anything constructive about the mess we are in?

I bet if we had a crystal ball and could peer into the holdings and connections of these people, we would find another group. Those who are deeply entrenched with the wealthy and powerful who daily rape America. And perhaps a larger, more easily identified group. Faithful followers of the Limbaus, O’Reilly’s and FOX’s of the world.

You know the type. They have more time on their hands than stuff in their heads. They need their deception fix just as surely as I need my morning coffee. And all the facts, reality, knowledge and experience in history is lost on them, because if it cant be poured in their ear, it rolls down and falls on the floor.

Long way of saying the really, really dumb group!

You have very simply identified who you believe is responsible for this growing mess! The Dem Blue Dogs, who you seem to think are “stalling” the bill. And Dodd and Reid. You give passing mention to the Repubs tax mentality, and of course Lieberman, by virtue of his Blue Dog association. He after all is a Repub in blue drag.

But the real ringer is your admission that “I am not sure the Bill should pass, as it is written, I am just stating why it is not passing.” So I guess that puts you in yet another group. The one President Obama spoke of this morning when he said, right now everyone thinks they are an expert on the economy.

Of course it can be hard understanding Senate rules. Especially following eight years of Repub bending, twisting, abusing and using of the rules. We cant understand trying to be fair, because it’s been so many years since we’ve seen fair!

You like to simplify, so which group would you define yourself in?

Perhaps the “robo-call” button is already in place. Ready to let the Senate and House know, the day after this “Stimulus” Bill is passed, that Obama is failing. And of course THAT group is very easily defined!

By the way, this is not a true Stimulus bill. It has been watered down with to many tax cuts. Tax cuts only give pennies on the dollar in actual economic stimulus. Which is why the Bush tax cuts have never done anything to stimulate the economy.

There will have to be another Stimulus package down the road. And perhaps another. But, since this time we have a responsible president in the White House, someone will pay attention to where the money is going. And recognize what works and what doesn’t.

Something Bush and Paulson never could be bothered to do!

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By Outraged, February 6, 2009 at 3:53 pm Link to this comment

Another sheriff standing up for the LAW.  By John Conroy at The Nation:

“Cook County Sheriff Tom Dart, like his counterparts across the nation, has been evicting people from their homes in ever increasing numbers. In 2008 the Chicago Democrat and his deputies conducted 4,487 court-ordered mortgage foreclosure evictions, an increase of 153 percent over the office’s 2006 numbers. But on October 8 Dart stood before TV cameras and said he’d had enough. Criticizing banks and mortgage companies as heartless, careless and taking advantage of taxpayers, he suspended all mortgage foreclosure evictions. Suddenly Dart appeared to be the kind of lawman Tom Joad might have clapped on the back.

“In a recent interview Dart said that over the summer he’d become aware that the eviction orders increasingly lacked evidence of the due diligence the banks were supposed to perform. In one instance, he said, his deputies arrived to evict residents from a building that no longer existed, and in other cases they found residents had documents showing they were rightfully in the house. “It was a disaster,” he said. “Just complete chaos out there.”

“....“These mortgage companies only see pieces of paper, not people, and don’t care who’s in the building,” Dart said. “They simply want their money and don’t care who gets hurt along the way. On top of it all, they want taxpayers to fund their investigative work for them. We’re not going to do their jobs for them anymore. We’re just not going to evict innocent tenants. It stops today.”

http://www.thenation.com/doc/20090223/conroy

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By KDelphi, February 6, 2009 at 2:32 pm Link to this comment

Louise—If the Dem Blue Dogs would stop stalling the Bill, the Dems wuld have enough to pass it alone, with just a couple GOP. I am not sure the Bill should pass, as it is written, I am just stating why it is not passing.. The Dems keep accepting more and more GOP “amendments”, that they have no reason to, except that they really agree with them, and are conservative as hell.
I hear Baucus, in the background, sheeple-mouthing around about “...well, there are some who dont make enough to pay taxes, but, you know, well, go ahead, GOP.” Lets do some more taxcuts. Pretend that Lindsay Graham is a normal human being. . oh, and, now Dodd (of suck up to credit card cos. fame) is mealy-mouthing about whether the GOP amendments might make it more “stimulative”.

Baucus has been one of the biggest supporters of a pay for play system of the health industry, and, has probably set up back years, as to universal care.

Totally without balls..

If Reid hadnt agreed to a 60 vote minimum again!!

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By Louise, February 6, 2009 at 12:05 pm Link to this comment

A co-worker of mine received a new mortgage payment book from a bank in Manhattan she’d never heard of. She called them asking why her payment had gone up. She was put on hold, transferred and the question was repeated. She was put on hold again and again, until finally she hung up and called the real estate broker who helped her buy the home in the first place.

He agreed to look into it. Meanwhile she started getting nasty letters from the bank that had issued the “new” payment book, saying she was in arrears because the payments she’d made since the first of the year did not reflect the increase. So now she not only wondered how come this bank she’d never heard of, or done business with, could increase her payment - but how come she didn’t know the previous five months her payment had gone up?

The real estate broker got back to her explaining her mortgage had been sold to another bank and that’s how the bank in Manhatten had come to deliver her new payment book. Well that was an answer, but not enough of an answer. So she asked again, how come her payment had gone up and how come she had never been notified, and how come she was now sitting on back payments she couldn’t cover, and how was she to come up with that money because they were threatening foreclosure? Well, the real estate broker explained he had “found” language in the original contract that led to an ARM she’d never been informed of at signing.

Our employer [a real estate developer] put his real estate attorneys on the case and it was determined the real estate and mortgage brokers were at fault, because the ARM increase in payment would have disqualified her for the original loan! Obviously figures had been altered to close!

She was told to keep using her original payment book until it was worked out and a settlement was agreed on. The bank in Manhatten was paid the alleged arrears, a new mortgage was issued and my friend sold the house and bought one from the developer we worked for who, [surprise] was an honest man!

That’s a true story! She first became aware of her problem in mid-1992. The increase in her payments began in early 1992. Her problem was resolved at the end of that year. As the mess unfolded, we all learned how common this problem was all across the country! She was lucky in that she worked for someone who had access to real estate attorneys and was willing to take the time [and spend the money] to help her to a solution.

She didn’t want to go to court because she knew she would be labeled stupid, or lazy and greedy for wanting more than she could afford. She was the victim, but she lived in a “conservative” area, and knew the natural inclination of all those around would be to blame her!

Her biggest mistake was the mistake we all make. Trusting the “expert” to guide her. Of course it’s much worse now, because mortgages were made, then bundled into securities and sold and resold repeatedly, so the beginning has been lost in the shuffle!

I abhor the greed and mismanagement of the “Bush” years, But it’s un-fair to entirely blame him for the mess we’re in. [Although when my friend had her problem, it was a “Bush” in the White House.]

In 1990, the Republicans gained control of the House and Senate. And except for two years in the House, kept control of both until 2006, and continued Senate control until 2009! And there’s still enough of them there to stall economic recovery. Which leads to the obvious question - how come they don’t want the nations economy to recover?

This crap has been going on for years! And we can lay the blame for that at the door-step of “small” government and DEREGULATION. Every economic down-turn we’ve experienced for DECADES is an example of what happens when we hand control to the party of “small” government. Which actually is the party of BIG corporate control! And of course that would be primarily Republican. Although there’s a few dumb dems in history to hang DEREGULATION on!

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By Verne Arnold, February 6, 2009 at 5:55 am Link to this comment

By Shift, February 3 at 4:05 pm;

Our lovely militarized police shoot diligent canines these days; as well as various citizens as they present opportunities. Where do you think you live? In pre-Bush America? Silly boy.

http://whatintheworld-icarus.blogspot.com/

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By psickmind fraud, February 5, 2009 at 8:49 am Link to this comment

Teddy, while the homeowners ultimately made the decision to become too indebted, who was it that was encouraging them to do it?  I know that 5 years ago not a day went by that I didn’t get 4-5 letters in the mail from banks and morgage companies that I had never done business with, trying to entice me to refinance with them.  It’s easy to see that people would eventually be swayed and do it, that’s what the banks wanted. 
So to me, they got what they wanted, and now want society to pay them for it.  It’s time they just went and took a flying f*ck at a rolling doughnut! They should be allowed to fail, thid precedence of bailouts should NEVER have been set.

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By Bukko in Australia, February 4, 2009 at 8:23 pm Link to this comment

I’m surprised that Goodman and the people who have commented on tbis did not mention the legal action that has prevented Deutsche Bank from foreclosing on houses in Cleveland for just this reason. People, non-profit “community organiser” type groups, even the legal system, is resisting the bank maggots. “Prove that you own my loan!” should be the new rallying cry. What are the maggots going to do, kick out 10% of the entire American population? Do they have the manpower to evict 30 million people? If you get a letter from the bank saying “Move out” then send them a reply saying “See you in court. Make sure your paperwork is in order!”

Of course, I don’t expect that most people will follow this advice, since Americans are guilt-ridden sheeple who don’t pay attention to the news. They’ll move along like obedient little lambs and starve to death in their petrol-less cars parked in some deserted field, all the while saying “We deserved this.” Their corporate masters will be so happy.

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By John, February 4, 2009 at 3:40 pm Link to this comment
(Unregistered commenter)

Well it’s a terrific idea but I’m not sure one can get away with it. There is evidence OF the note/debt and, indeed, since buyer has been paying on that note s/he can not deny the indebtedness. But it’s a legal tactic and technicality that should certainly be looked into.

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By KDelphi, February 4, 2009 at 12:11 pm Link to this comment

Teddy—NO, its not your fault, but, you will suffer for it. It is only your fault to the extend that you do not demand that our representatives do something about it. Empty houses and falling housing prices (the basis of the middle class—formerly) hurts us all. NOt everyone just took out too much money. I didnt, and, we lost untold amounts in selling my family’s house.

I am listening to the SEC Hearing now—-Congress is allowing all this obfiscation , and arrogance. I would lock them up or fire them. They need to be charged with Securities Fraud, and, seize their assets!

They are also claiming “executive privilege” again!! That is bullshit…if any of these people are still there in a year, we should just go to their houses and take their stuff, auction it off, and, give the money to New Orleans.

The entire world thinks that we are idiots.

Larry Summers is a Hedge Fund, multi-millionaire, amoral as*hole. He should be locked up and donate all of his money (in restitution) to peoples pension funds.

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By Margaret Currey, February 4, 2009 at 10:14 am Link to this comment
(Unregistered commenter)

Every person should know who has the note because if a person needs money very quickly people take out a second mortgage and in some cases a third mortgage, but when you don’t know who holds the note you cannot renogotiage.

And who ever heard of giving loans to people who have poor credit the banks did it because they made a lot of loans.

Over the years there seem to be lots of banks as well as Malls in San Jose, Calif. there was a mall every mile or so.

When I was a child you had to travel twenty miles to go to a supermarket, of course there were things like a Farmer’s Market that was closer but even then you had to travel ten miles to get to that.  There were samll stores that sold thing you need.  But there were not places that had ten different salad dressings or a whole asile just for cereal.  In fact the cereal that was best for you was Oatmeal or Cream of Wheat and Wheaties.

Our economy has expanded so much that homes have three bedrooms for maybe three people.  Homes back in the fifties had two bedrooms because kids slept in bunk beds so kids had to share a room, and the room was shared with others no lock on the bedroom door so parents did not know what their kids were up to.

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By hippy pam, February 4, 2009 at 9:40 am Link to this comment

My banks have changed hands and my loan has been sold so many times that I’m starting to feel like a “HO”......No PLEASE-No THANK YOU-No KISS-and I STILL AIN’T SEEN $10.00 ON THE NITESTAND!!!

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By godistwaddle, February 4, 2009 at 9:33 am Link to this comment

“SHOW ME THE PAPERWORK” doesn’t have quite the ring of that other mantra, but it works for me.

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By Teddy, February 4, 2009 at 7:20 am Link to this comment
(Unregistered commenter)

What about the irresponsible home owner who has refinanced all their debt, credit cards and car loans back into their home, one two or three times. Now they are upside down and in default. Is that my fault?

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By Purple Girl, February 4, 2009 at 7:15 am Link to this comment

Fighting fire with fire…Thank god we have ONE Public servant still fufilling their oathe.
although I did not have one of those ‘Too good to be True’ loans, Who actually holds my mortgae now is nearly a mystery.It’s been a shell game..They had better hope they kept up with where they hide the nut.Otherwise the ‘Mark’ may win the pot!

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By kajsa, February 4, 2009 at 6:58 am Link to this comment

I also suggest that since it is the taxpayers money for bailing out these banks and investment firms, we insist to President Obama that all lobbying to our polititians should cease. It is definately a waste of taxpayers money if banks and others are contributing and influencing any polititians’ vote and get more money to build up their coffers.  That is our money and where is the responsibility?

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By kajsa, February 4, 2009 at 6:50 am Link to this comment

I also suggest that since it is the taxpayers money for bailing out these banks and investment firms, we insist to President Obama that all lobbying to our politicians should cease. It is definitely a waste of taxpayers’ money if banks and others are contributing and influencing any polititians’ vote and get more money to build up their coffers.  That is our money and where is the accountability?

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By Inherit The Wind, February 4, 2009 at 4:31 am Link to this comment

This is simply a brilliant tactic that needs to be widely broadcast.  I don’t say defy the sheriff—I don’t think you can legally do that.  But elect more sheriffs and congresswomen (and men) like this.

Despite the pile-on attacks on Summers here at Truthdig, if you’ll look at the quote, you’ll see it dove-tails nicely with this idea that banks have to do THEIR job as well.

The crazy thing is that even at a greatly reduced interest rate and extended payment period, it’s better for the BANKS for people to stay in their homes, as well as, naturally, for the home-owner.  The more homes are fore-closed on, the further home prices fall, and the less of a market there is to buy those homes.

The irrationality of the banking industry before the crisis, and now, in response to it, well matches the other article here that asked Who Knew All the Bankers were Idiots?

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By KDelphi, February 4, 2009 at 1:50 am Link to this comment

Bruce Marks and Kaptur are absolutely right!

Larry Summers also said that Unions cause unemployment. i still cant believe he was hired…

Yes, Shift.

President Obama could call for a freeze on foreclosures tomorrow. Congress couldve insisted on a freeze on foreclosures, or, at least, ARM’s, when it approved the Bailout.

In some ohio neighborhods, it is almost too late. People should be allowed to move bck in, if the home hasnt sold.

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By JakePDX, February 4, 2009 at 1:19 am Link to this comment

Yeah! I love it! Produce the note, jerks! Maybe you left it in your Vegas hotel room!

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By Outraged, February 4, 2009 at 1:18 am Link to this comment

She’s right (Marcy Kaptur, that is).

STAND UP AMERICA, this is your country.  YOU own it, and congress, the president, your state senators, your local aldermen/women ARE PUBLIC SERVANTS.

YOU pay their wages, YOU vote them in, or out.  Let us… nor them, forget, who pays whom.

Demand accountability.  It is in your best interests as well as theirs.

Article quote: “ After reviewing TARP, Sheriff Evans determined that home foreclosures would conflict with TARP’s goal of reducing foreclosures, and that he’d be violating the law by denying foreclosed homeowners the chance at potential federal assistance.</b> “I cannot in clear conscience allow one more family to be put out of their home until I am satisfied they have been afforded every option they are entitled to under the law to avoid foreclosure,” he said.”

He’s right.

Sheriff Evans is a law enforcement professional of integrity.  PROOF, they do exist.

Support him and others like him, fully.

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By JoeMash, February 3, 2009 at 9:17 pm Link to this comment
(Unregistered commenter)

Mmmm, the sweet smell of anarchy, just a whiff, first laid off workers occupy the plant till they get what they want, now telling people who for whatever reason cannot afford the house to become squatters?! Protest, peacefully if possible? Things get out of hand pretty fast.  Just a whiff, mind you!

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By DesertCritter, February 3, 2009 at 5:26 pm Link to this comment
(Unregistered commenter)

You go girl!

Finally, a gutsy politician who really stands up for the little person.

I wish I lived in Ohio, because I would VOTE FOR YOU!

And you can take that to the bank.

Thank you.

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By Shift, February 3, 2009 at 5:05 pm Link to this comment

Any person including any Sheriff that forces a person out of his home, given the thievery of the banks and rich should be confronted by all the neighbors until the sheriff removes empty handed.  Sometimes dog’s can do a lot of convincing as well. The congress has had two years and done nothing, and nothing else is on the horizon except empty words.  The banks never were going to help.  So let’s help ourselves and our neighbors and form groups to block foreclosures, nonviolently if possible. That is something that we can do.

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