Woman facing eviction: 'I will not let them take my home'
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PORTLAND, Ore. - A local woman involved in a long fight against eviction faced a deadline on Thursday and demonstrators gathered outside her home in a show of support.
"I'm not moving," said Alicia Jackson, who lost her home to foreclosure last year. "I don't see why anyone should move out of their homes."
Jackson claims she was the victim of a bad loan and that the home is rightfully hers. She did leave her house last year after failing to make the mortgage payments but protesters 'reclaimed' it for her this past May and handed back her keys. At the time, police let the events unfold but said they would eventually take action to remove her from the home.
A formal eviction was scheduled for Thursday and once again, Jackson's supporters gathered outside the woman's home to fight for her. The effort was spearheaded by We Are Oregon and folks from Occupy Portland, the Blazing Arrow Organization and other groups.
Early Thursday morning, demonstrators held a press conference to explain Jackson's situation and rally supporters. The main objective, according to Alejandro Juarez with We Are Oregon, is to get the water turned back on at the house.
The city plans to remove Jackson because the house lacks water service (it was turned off months ago) and is considered unfit for habitation. Jackson has offered to pay the overdue bill, but the city won't take her money because she doesn't own the house anymore. Portland Water Bureau administrator David Shaff says the company that does own it is trying to evict Jackson and doesn't want water service restored.
Juarez said Jackson (pictured at right) has been making an effort to work with the city on the water situation.
"We don't think it's fair that they (the city) are refusing to turn it on," Juarez said. "They should do that (turn the water on) while she's fighting the courts. Alicia has offered to pay the water bill and give the city revenue until this is over."
- Eviction document (pdf)
Jackson's supporters have been bringing jugs of water to the house to help her out. The electricity is on and Jackson said she has no intention of going anywhere.
"If you feel content with what's going on then shame on you because this could very well be you," she said. "It's time that we take a stand for housing justice in Portland. I will not let them take my home."
City Commissioner Randy Leonard, who is in charge of the Portland Water Bureau, said he is frustrated with the situation and that he has personally tried to find Alicia Jackson another place to live. He said the city has no choice but to keep the water off because the bank that owns the property does not want it turned back on.
As far as the bigger picture goes, Juarez said his group is trying to educate people about foreclosure and what their options are. He said they want people to understand that they can fight back against the banks and should not give up easily when it comes to keeping a roof over their head.
"We're telling them not to move out of their homes and not to self evict," he said.
So what's next for Jackson and her fight to stay in the home?
The city's Bureau of Development Services will eventually post a warning on the home and about a week later they will have sheriff's deputies serve a warrant to remove anyone in the structure. Finally, contractors will board up the home.
At this point there is no indication when the city plans to post the notice to get the ball rolling.
In the meantime, demonstrators plan to stay at Jackson's home overnight into Friday.
Alameda couple says they aren't moving either
At the rally outside Jackson's home early Thursday morning, another local family took the stage to talk about their eviction notice. They say they are not moving out of their home either.
Will and Heather Sirotak made a home for themselves eight years ago in the Alameda neighborhood. At that time, their grandson, Aidan (who they adopted as a baby) was in a fragile state of health and in a wheelchair. So Will, who is an architect, made changes to the house to accommodate him.
"We started to make hardwood floors so he could go through and not go through little doors," he said.
But in 2008 when the economy crashed, Will lost his job. That was around the same time that Aidan passed away and Heather, who was Aidan's full-time caregiver, lost her income from the state. She was also diagnosed with cancer.
The couple tried to sell the home they love. It went on short sale but Will said the bank would not accept low offers from potential buyers. Then came the eviction notice but the couple says they are not packing.
They know they can't fight forever and they do have a 'Plan B.' Will has been building a mini house on wheels while looking for full-time work. It may be their new residence someday. They are just not ready to hand their current home over to the bank so easily.
The Sirotaks are working with We Are Oregon and Occupy Portland. They told us that demonstrators may camp outside their home this weekend, just like what is being done at Jackson's house.
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Should you take a stand if facing the same situation?
In one sense, Jackson's stand to stay in her home with the help of We Are Oregon makes strategic sense. Attorney Clarke Balcom handles foreclosures all the time and said anyone who is facing it should not just pack up and walk away. He said staying put is a pretty good strategy.
"One of the reasons is that you have more rights if you are still living there, in some respects, depending on what the legal response would be from the homeowner," he said.
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If you are facing foreclosure and don't know what to do, call 1-800-SAFENET or visit ForeclosureHelp.org. |
But you also have to get help the minute you realize your home is in jeopardy. Most people wait way too long.
"They've cashed out all their money from their 401k, IRA, savings or money borrowed from family and all they've done is tread water," Balcom said. "Which is unfortunate because that limits what can be done with the house, as well as their own personal financial well being."
Balcom said by the time a homeowner ends up in Jackson's situation, it's almost always too late.
"If you can address it early on, there are many mitigation issues that can be taken," he said. "They vary depending on the situation of the homeowner."
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The Associated Press contributed to this report.
how about all these occupyers just start their own bank, based upon their own charitable donations, to give loans to all the deadbeats they want. Oh yeah, because they want to use other people's money, not their own.Â
Alicia - you didn't pay for it, therefore you don't own it and it isn't "your house"! You broke your agreement with the bank long ago and now you need to stop whining, get a job and rent an apartment somewhere. Otherwise, you're just a lazy thief.
I don't know who is giving legal advice to the city, but the property "owner" (the bank) has no right to shut off ANY utilities to that home, while there is someone living there. It's called a "self-help" type of eviction, and is absolutely prohibited. Sounds like Randy Leonard is getting a payoff to help him with his upcoming retirement from public life. Wouldn't surprise me in the least; I was involved in an election with him about a decade ago, and this guy is so crooked he can watch himself walk away! IF either of her neighbors is sympathetic, they can also pressurize her water system from theirs - they just need a heavy-duty garden hose, with a female coupling on each end - outdoor faucet to outdoor faucet, open both spigots, presto: water.
@Mick Wagner It was already turned off before the property was transfered when she wasn't in the home. You don't have to turn it on for a squatter....no laws about that.
For anyone who cares to investigate this further, here's a good starting place:
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http://www.multcoproptax.org/property.asp?PropertyID=R155320#
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It's a pretty simple concept. You borrow money to purchase house. House is collateral. You quit paying payments on the loan. The person who actually paid for the house, gets the house.
It used to be that people would go without phones, cars, cable, internet, eat hot dogs and cold cereal before they would miss a house payment. Not so much anymore.
If you don't perform your side of the agreement, you lose the house. It's not rocket science.
@Owt_Raged....it's the "have now, pay later" mentality in this country that feeds this sense of entitlement.
I would refer to this woman and her supporters as 'morons' but I really dont want to offend morons.
Even small children understand that something does not belong to you unless you pay for it. To do otherwise is theft.
Then blame the 'bad' loan on someone else....the bank in this instance shows that you are all incapable of even taking responsibility for your own actions.
My sincere hope is that this squatter is put in jail and that her supporters are ridiuled as the inept, helpless fools that they are, in every aspect of their lives, work etc....
You are all a bunch of useless tools.
It is not her home! It was foreclosed on and she does not own it any longer. Her rights to this property have been legally removed from her. She is trespassing. She should not only be removed, by force if necessary, but cited for trespass. The expense that she is causing should come out of her pocket and not the taxpayer's.
Why do people think they can borrow money using collateral and not lose their collateral when they default on the loan? It doesn't matter if the loan institution is a small "mom & pop" type of bank or if it's JP Morgan. They signed an agreement, took the money and offered their home as collateral. How is foreclosure when the loan isn't being paid on wrongful? This is just another form of theft and it's being made worse by all these bleeding hearts saying the defaulter should keep their collateral. Then again, why does it seem that only those who are in the wrong seem to be the ones talking and getting media time? Where's the lender and their side of this "sad" story? Then there are these organizations set up just to "help" people use the legal system to get out of paying their debt!
@MickRoh Actually I think the property was already foreclosed on and sold...so really she is actually trespassing on the new owners property. The bank has been long out of this transaction. I'd be interested to see how the bank fared in this deal...my guess is they still lost money between what was owed and what it sold for.
My Wife and I both worked 2 jobs until we had our mortgage paid off. How does this woman get cleaned up every day to go to her job? Where does she work?
@Razor1 I think you answered your own question. No work = no needing to get cleaned up for work.
If all the occupiers and protesters who are so concerned about Ms. Jackson each brought a $100 bill to the protest, I'd bet a lot of the problem would be solved.
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As for the other story-sad story-but not sure I understand why a baby (handicapped or otherwise) needs hardwood floors.
 @al_02 The other family needed the hardwood because 1) it allows the baby in the wc to get around easier--it's a huge mobility issue. Also, Aidan (the little boy) being medically fragile--the hardwoods would help keep down possible inflammatory agents that could be in carpet, too.
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Story one sounds like the woman either couldn't (or didn't want to) pay back her mortgage. The second sounds like a series of catastrophic life events. I feel for both sets of people, but this is why you purchase the insurance that helps make payments in case of unemployment, because sometimes life happens and you can't do anything about it.
 @Melissa Stidham-Clary I don't doubt the problems of carpet, but there are a lot of other floor covering options that have the same benefits as hardwood but are much cheaper.
 @al_02 LOL  I didn't even think of that when I made the post. Derp. I was just thinking about needing a flat, smooth surface for allergen control and little wheelchair wheels to go across. Yeah they could have used laminate or whatever and saved themselves some cash.   Again, I'm reserving judgment because I don't know their story. It certainly seems that things could have been better worked for both parties in this story, however. Boarders, renting the house out, etc. I don't get the helpless victim mentality people seem to operate under. It's like...Don't come crying to me if you're only going to wring your hands and refuse to be proactive or take anyone's suggestions. Like that family on yahoo with 5600.00 a month to live on, complaining about costs because they don't want to cut out fripperies. Ok--then I guess you've made your choice. When you lose everything, don't expect everyone else to pick up the slack.
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 @al_02 That $100 is weed money. Very precious.
 @al_02 Most of these "community activists" likely still live in mom's basement and would have to save their allowances to come up with a $100 bill. As true liberals, they're all for spending someone else's money, and no Democrat should have to pay off a debt. I think this is why most of them voted for Barrack last time; If you owe someone, it can only be the result of racism.
 @al_02 I'm sure if each of them brought a lot less than that her mortgage payments would be caught up. I wondered the same thing.... if they want to help, why don't they all pitch in for her payments? Oh right, because to them compassion is making somebody else pay the bill.
I remember this woman's story from last year and it is nothing like what some people are suggesting. She inherited this house free and clear from her parents, then took out a home equity loans against it, and now can't pay it back. Also, this home is owned by a small investment company (five investors) based in Clackamas County, not a predatory super-lender.
@moej ....Fox Capital Corporation....they're in SW Portland
@Solipsist01 I think that is who purchased in from the bank after the foreclosure. They are the ones that should be pissed since they actually paid for the house.
I want to know if they Paid up and lost it cause the bank pulled a fast one? Or did they NOT pay thier bills and where foreclosed on for that reason?Â
You notice these people won't give up one thing to make sure they pay the bank.. A few years ago my ex cleaned me out and left me in dire straights.. I lived in a 2 bedroom home, I rented out both bedrooms and slept on the couch, I worked extra hours at work, I sold my coin collection that I loved, but I saved the day... These people think they can borrow thousands from a bank, not pay them back .... This would totally collapse our financial system in the country.
I say the police need to go in there and drag her out of there, this is not her house anymore period..
The same for the Alameda couple, a very sad story, but they could have rented rooms out, you have to change how you live when times are hard, if you won't, then you lose the house..
I don't know Ms. Jackson's story other than the details that have appeared here on KATU from time to time when I am perusing the boards. However, something that I see repeat itself, time and time again is the messed up priorities people have, and then they come out crying foul and expecting special treatment. How can people complain about their house being foreclosed or being evicted from their apartment and have multiple cell phones in the house (probably all with data plans), huge tvs, premium cable or satellite, and internet? My husband was laid off earlier this year and we made the decision to cut back all "toys" until such point we were back on our feet. We dropped cable completely, sheared back our cell phone to nearly nothing, and downgraded to DSL internet, just enough for my husband (who is in IT) to continue to look for work and be able to work from home if necessity dictated. I can't imagine telling my landlord "well, sorry--we have this and this and this, so we can't pay you rent this month." He'd laugh in my face and serve me with a 30 day eviction notice. It's amazing that people are now of the mindset that priorities come second to toys...I'll never forget the woman I knew who complained her house was being foreclosed on, and then a day later posted about her brand-new ipad. Really? People need to stop being victims and start accepting responsibility for the obligations they choose to take on. Yes, I agree--big banks and other corporations are bullies but unfortunately, if you want to play the game...you have to play by the accepted set of rules. Otherwise, you're going to end up losing, big time.
Well Put. I pay House First, Power,Water and Garbage in that order. Roof first. If I need to sell everything I have to keep the roof then that is what is needed to be done. If you can't afford the roof you have then you best be moving on. I remmember picking up cans to make the power bill a time or two.
 @cpt.iceman ....you are responsible, reasonable, practical, and take care of business first.  You have your priorities straight....just like many of us.
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The folks in the this article....not so much. Â Professional victims from what I can see. Â
 @cpt.iceman I am right there with you. That is also our philosophy. The rent/mortgage comes first, and after that--well, the other utilities companies will work with you on your bill. I wonder if these people are left overs from the housing boom where too big of loans were given to people indiscriminately, regardless of their long term ability to pay it back.
I worote alot of this under stress and duress been goign through a lot and just had to let it out. With a car needed for repairs, needing to rely on others is not my strong suite. we have the money for our son, he comes fits, possessions come second. maybe what we as people need to do is stop and think, what really does matter? this story is more then aobut money, bank and defaults. It is about what is happening all around us.
and what people have ineed fail to see were the numerous lawusits piled onto the bansk that prove that they were doing things illegally.
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There is a rare case of some one who had foreclosed on Bank of America:
http://youtu.be/G3d1qqQJcdM
http://youtu.be/Y2lum-T7_hc
http://youtu.be/hjK3bMF4IxU
http://youtu.be/5AhaByRjhHc
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and the list goes on and on, I believe people are starting to take a stand as they tire of this happening.
I honestly believe we are nearing the time of past events repeated. "There is nothing New Under the sun" things like this have been happening for thousand years or better. Dating back to roman Empire , Egyptian Empires, the Chang Dynasty and what have you.
We people are stupid enough and gullible enough to get loans and trust in banks to stay honest. In truth the banks are just a den of thieves.
But You know what the true heart of the matter is..It is all over something called the dollar. It is a or was a good thing at one time.
Religion does not cause war, Money does , Money creates rift in families and drives them apart if allowed to do so, Money is the evil entity that truly asserts control of those who have it and do not have it.
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In Star Trek, the planet Earth went in to a cashless based society. Besides, how would you use money on a Star-ship any ways? Even a credit system would have its issues as well.
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Who invented and though of "Currency" from when did it come from?
Who would be threatened by a cashless based society? And Yes we could maintain Law and order with out cash.
with out cash every one would be free to get food, fuel, transport, repairs, housing, and medical.
Now you say well this all costs money to do? ok with out cahs, would we still not have skilled technicians and workers to build things and to handle medical devices? So if there is no Cash, then who would make a prophet? What means would the "Gainful employment really mean"?
What if we relied on barter and trade once again? Open markets?
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What would stores look like? if we need no money to purchase things would there still be thieving? probably but it would be rare.
But you say "how would manufactures pay for there fuel", there you again are thinking money, in a cashless based society, why would there be a need for it? Maintenance crews would still do there jobs and have less worries about supporting there families because the company wouldn't need to worry about there bottom line..there new bottom line would be better products. We can argue why Money is good or bad until we all are dead.
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But, what if one day we do go Cashless? and that does not include needing a chip, or ID card to get hings..Unless of coarse it is to acquire things that minors should not be in possession of.
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I mean really ask your self, is it really such an insane Idea on not having cash?
every one would be driving cars, flying planes (if they passed the test) . Think of it what Good does money really bring? So far all I hear inthe news is the hard ship it brings..I never hear of anything good that comes from it.
@lee986321 I think you have bee smoking something illegal. sounds like what you are expecting is the whole world to give up on an economy and trade  based on Star Trek??? You should try reality instead.
@Civ Snorting dylithium crystals does terrible things to the mind.
Jackson's stand to stay in her home with the help of We Are Oregon makes strategic sense. Attorney Clarke Balcom handles foreclosures all the time and said anyone who is facing it should not just pack up and walk away. He said staying put is a pretty good strategy.
Ok all the reamrks I have seen on here have been off topic.
No one is asking how does it make a legal difference?
How does taking a stance aid in your rights?
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What happens if turning off the water does not make the home unlivable? what if a person has the intelligence to bring in water to use for flushing the toilets? If she has power she still can clean by vacuuming, what if she went all green, and started using rain water?
what if all the banks strategies fail ? then what? move in SWAT? that would make the bank look like there out for blood and it would trigger hostilities towards the banks.
Ok,
Now lets get down and dirty, what if..This is a long shot and I am using my wild imagination for a worse case scenereo but here it is, what if a person blockades them selves in and starts a gun battle over an eviction? People are getting desperate..and it possibly could happen in the future..Now lets go for a longer more wild shot, what if the person adds reinforced doors that officers can not get through unless they have use very high powered explosives. and before you go shooting off that they don't make such a thing..You would be dead wrong because they do. now what if a home owner starts adding armor to the walls and starts stacking that armor .. Then what?
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Lets say I was a home owner and I built up a fortress. granted every fortress has a weakness, but what happens if some one turned there house in to a fortress ? ? completely self sufficient with a separate water source and such? Now lets say I add a anti personnel system that if any one enters said home unpleasantness would occur talking about tear gas, mustard gas and the like?
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What if it would cost the city a half about 1 million + just to enter? I am just trowing this out, I know it is fantasy but what if some one really did all this?
oh and what if the people to prevent tunneling laid steel down on the flooring? what if the windows were removed so that know one could see in, but instead small cameras were hidden and inaccessible by normal means and they were small enough that they could not be a Target? Now lets say, I could get all this free?
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I just had to get this all out of my blood.
and I do know that what I spoke on was in fantasy, but the question is, what will happen when people truly start to fight back by all manes necessary?
 @lee986321Â
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"People" will spend a great deal of time in prison.
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Is enough people decide to do this, many forms of credit will fail and most loan institutions will stop issuing loans and forcing the notes on loans they have to mitigate potential loss (i.e. tell you to pay everything you owe or lose the asset).
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"People" will be unable to make such payments and courts will be filled with people fighting over houses, cars, even cloths.
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It would be the end of modern civilization.
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The concept of credit is so old, it goes back to the Old Testament. So by "modern" I mean the last 4000+- years of human advancement.
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KATU can we Please see the Note the bank has? this will settle the discussion.
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Ok, I think she verry well might have a lawsuit to the water company. It is evident that she still has electricity. so she can get water jugs and if she is really smart she can get a rain catch basin and install it. and use all the rain water for showering and such. But if 2 familys start doing this it will be come 3 then 4 then 100 then a 1,000 . and if that happens the courts would have an issue. I would allow her to keep the house and write it off as a loss. But you see the banks are so greedy they won't do that. the other thing would be for her to go to bankruptcy court. she can also start tying up the banks hands and flood them with requests of showing her the note. with out that, the bank can not prove that they own the house. If the bank can not show the note and they are still taking action there are other ways to muddy the banks waters and make it extremely costly for them to proceed.
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and if the police have not stepped in then there is something wrong already.
'if she is smart'
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I believe the fact that this story exists is evidence against that even being a possibility.
@lee986321...FYI...the attention span of the typical forum user is limited. If you get much beyond two paragraphs you're going to lose a lot of readers.
Thank you to all of the people on the city council, you are doing a great job of enforcing the law here in the Portland area. Â All of you should be hung up by your buster browns along with any and everyone who breaks the law. Sammie boy lover you should get the biggest rope of all, hung from the highest tree.
There are so many stories of hardships from folks over the past few years, but there is a bottom line, here. If you don't pay for it, you don't own it. If you don't own it, you don't get to determine what happens to it (like who lives there - and that includes you).
I continue to be amazed at the attitudes of people who feel they own these homes and can dictate the terms; they do not - and cannot. Think that would happen with their cars or the TV's, furniture, washer, dryer, etc. they bought on revolving credit?
 @catherine.henry But, banks also have been caught doing predatory loaning and that is illegal as well. and the banks have been known to make mistakes and if that is the case who would you like to be tossed out from a "Mistake" made by the bank?
 @lee986321  @catherine.henryÂ
No cathy banks are doing it too.Â
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B of A years ago was sold our loan. We wanted to shorten the term and get out from under them so we decided to re-finance the loan with a higher payment and a shorted duration.
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When the loan was approved we were told to stop paying our current loan and we would get the information for our new loan.
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Two months went by and we decided it was enough, we paid our "previous" loan. Two more months and we got notification they were pulling our new loan.
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Had we followed instructions (which we asked weekly about and go the same response "No don't pay your current loan, wait for the new one to start") we would have certainly been behind on our mortgage and possibly lost the home (we would have been 120 days in 'default").
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So no, banks are also being thieves.
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Not that this was the case with this woman, but if many people who need to refinance were told they didnât have to make house payments, they would not have had the money to pay back payments should they too have had their re-finance loan retroactively denied.
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 @Repoman  @lee986321  @catherine.henry God, that's terrifying. We had something similar happen on an auto loan, although it was the sleazy salesman trying to make extra commission by shopping the loan around to prospective lenders. I was so glad we put a sizable chunk down and just kept paying, or we would have lost our van.
That has nothing to do with the folks in this story. As well, predatory lending or fraudulent mortgage practices by banks (actually, it wasn't 'banks' it was mortgage brokers) accounted for very,very few of the mortgage defaults.
What part of eviction does she not understand? If she'd paid her mortgage like she agreed to, she wouldn't be in this mess. Geez....how hard is that to understand?
"I'm not moving," said Alicia Jackson, who lost her home to foreclosure last year. "I don't see why anyone should move out of their homes."
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That's all well and good Alicia Jackson just as long as you satisfy your mortgage obligation, which you haven't. Stop playing the victim and act like a responsible adult.
The City of Portland, as usual is making a huge mistake on this one. All they are doing is allowing more protesters and the like to show up, pitch tents and just wait for the inevitable encounter between the squatter, her supporters and the Police. I guess they learned nothing from encampments at the two downtown parks.
I wonder how this confrontation is going to be?
All of the people camping on this ladys lawn and pushing her to break the law should be arrested.
the group http://weareoregon.org/ should also be held accountable for promoting CRIME.
Another victim of the downward spiral and class warfare.