I’d been offered the CASH FOR KEYS option the day after my auction (the pay off for me had been 53K but it went at auction back to the bank for 38K). A surprise visit from a local Herndon Real Estate agent shed no new light on my situation since nothing had yet been cleared up regarding who in the name of God, etc., was in possession of my note, and why had they refused countless times throughout the preceding year to allow me to qualify or not qualify for the loan mod program they had offered me this time last year and jacked me around with through four separate foreclosure scares (always mysteriously escaping just in the nick of time,until this last OCT date).

My story is hardly new. There are many complexities with my case, since there were two properties involved. Plus, in a separate case but nonetheless almost as important to me, my mother’s house which was also foreclosed on in 2008 (which remains empty, still scattered with some of our belongings we haven’t had a chance to move or dispose of – plus we still have the key to the place).

The papers from the sheriff’s office state that I have 7 days to vacate or file suit/answer. I’ve read countless hours’ worth of research about what to do at this point but considering the state of affairs at the moment due to all the new developments I’m wondering if there is something I should do – specifically – that would benefit my situation.

MATT! I know you’re a busy guy and aren’t wearing a cape, but when I read your blog I knew you were the kind of attorney I would most want on my team if I had a Fairy Godmother. IF YOU HEAR ME, HELP! What do I do? Should I try to get legal aid in GA to assist me? Should I pro se it, since my best friend works in her dad’s attorney’s office (he’s no help personally so don’t even suggest it; he’s on a cruise and trust me, he’s not who I need) and she’s highly capable (although strapped for time like everybody). I’m in no position to hire anyone, naturally, but I’m a journalist working on stories and a book chronicling this experience and I need an attorney who wants to be the superman character.

Of can I be Superman? I’m cool with that. But I need a cape. Can you toss me one? You obviously have the experience and have clocked in the hours related to this particular crisis in particular to be able to enlighten me as to how to proceed. If you can, will you? This probably isn’t the best place to contact you. This is like a letter to Santa Claus.

But that’s the thing, see. I believe in Santa Claus. You gotta believe in miracles to survive this kind of debacle.

If not you, Matt, then you got any Georgia buddies who owe you favors or like to collect favors owed by Georgia girls with a bone to pick and a story to tell? Tell them I’ll make em a star!

Charge!

Robin Postell
robinpostell@gmail.com

You have nutshelled what so many have been taking a stab at – with increasing success, but let’s face it, the subject matter is hardly the stuff of easy reading or even a semi-hot page-turner. Nobody wants to hear anything about this shit. It is the skunk of conversational banter. People become transfixed, their eyes cross and they fidget. You know they are thinking you are a conspiracy theorist spending too much time online in desperation. If you aren’t the one being foreclosed on everyone else (even your mother, priest) think you are a whack-job until every TV screen they see is screaming it at them over and over.

There are voices gaining volume, messages growing clearer with each telling and retelling, and a sense of a unified front gaining substance and purpose. A year ago when I began searching for answers of my own, there were significantly less cogent sources and sites than there are now – and the tempo, conviction and adroitness of new posts each day is evidence that change is occuring. As jaded as our country’s collective psyche seemed to have become in the last near-decade, I was beginning to grow disenchanted with what Americans were capable, willing or, maybe, I considered, able, to do anymore. Chaos unleashed upon them, the numbness blanketing the masses left me with a sense of dread I’ve never known before on that kind of shared humanitarian level. Everyone around me where sheep bleating fluffily on their way to the slaughterhouse – and I was one of them, goddammit.

The empathy of Americans, even as they have been perceived globally as naive, spoiled, egocentric, has been a trademark of their collective spirit. Hunter S. Thompson believed the wave had crested at the end of the 60s and that Nixon had heralded in a new ruling class of jackals that had emptied whatever strength and cohesion in reserve we might have had left.

Mentor though he was, my generation included me. Accepting that the buck had stopped with his mark left solidly and deeply while my own remained too shallow an imprint yet to be fulfilling wasn’t pleasant. In the last two years I have lost my primary residence to foreclosure and am now battling the foreclosure of my second property – which was auctioned off October 5 (of course to a mortgage company which has been out of business for almost a full year, Taylor, Bean & Whitaker), I have renewed resolve and have refused to leave. Though no official eviction notice has been delivered I am living on conjecture and deduction that eventually they will come to get me and toss me and all my shit onto the street.

Or maybe they won’t. We shall see.

The connectivity being created by people taking second looks, asking questions, trusting their instincts instead of the bullshit they’re being told, searching for verification of truths otherwise blacked out by this legion of liars and cons, reading more than the first sentence (or headline) or blog entries, following commentaries and links, having voices, ideas and convictions, is the reason why my own hovering shroud has lifted. Finally, validation.

My instincts haven’t been snuffed out by the mass assault upon us. You give me hope, as I’m sure you do others. Your blog was graciously long and off the top of your thoughts instead of plumbed out of your stores of collected knowledge dulled down by your daily grind interpreting law to financial illiterates and legally-challenged parties who can afford to pay for it.

Sharing that kind of knowledge outside the walls of an office or courthouse is what I was starving for when I first began trying to untangle this mess.

You nailed it. Thanks for taking the time to break it down like that – to distill from the legalese quagmires of the seemingly infinite sources and references all of us joining this campaign are having to acquaint ourselves with without much introduction or trite banter. More attorneys getting their hands dirty enough to pound out that much information and still do so concisely will be one of the greatest gifts available for hungry minds looking for edification.

ROBIN POSTELL

HIDDEN? lmao All you have to do is go into any community and LOOK!!! Homes sitting empty in clear view. Some areas have whole blocks of homes sitting empty with grass high as you and who knows what lies inside.

our goverment has sold us out…traitors. other countries are buyiong the homes they have stolen from the american people. what else are they going to steal from us? our dignity, our integrity, our rule of law, its all gone. where are the people who have been put in the streets? the city have they hiddne out of sight some were? they dont even allow people to beg on the street corner, the police go and watch them like a common criminal and arrest them. the homeless must have been put somewhere out of sight , the tourist wont come to florida if the homeless and beggers are in clear view.

that recoverless recovery should be voted out

I agree ..

the banksters are the criminals when you pay everything they ask for and they continue to foreclose on people. they are sneaky, snakes praying on the innocenty!! they need to die!!!

The fraud in the system that you so vehemently complain about can be broken down into TWO main stages;

Stage 1 occurred when finance companies ‘dumbed down’ their own lending requirements in order to qualify and approve loans for any deadbeat who could basically fog a mirror. MILLIONS of deadbeats took advantage of the opportunity to gratefully dig themselves into a financial grave by biting off WAAAAAaaaaaaay more than they could ever hope to chew.
I notice NOT ONE ‘homeowner’ seems to have any gripes about THAT.

Stage 2 is ocurring now that these same deadbeats inevitably hit the proverbial financial wall and can no longer continue making the payments that they foisted upon themselves voluntarily. So the banks are once agian using their bag of tricks (aka Robosigners, etc) to recoup their properties. And BTW, an important aspect of the robosigner debacle that has been sorely ignored thus far is that in order to HAVE a robosigner involved in your loan YOU HAVE TO HAVE DEFAULTED ALREADY.

So what’s the deal? Fraud was FINE when it worked to YOUR advantage (or THOUGHT it would) yet NOW you’ve all suddenly sprouted MORALS & ETHICS.

Please.

Correction: Not ALL of you. Just MOST of you.

I SOMEHOW MISSED A VERY IMPORTANT WORD IN MY ABOVE POST. RECOVERYLESS RECOVERY SAID THAT; WE, THE HOMEOWNERS ARE THE CRIMINALS HERE!!!!!!!!