AS · Community · Craft · observations · social observation

Casting Back

No, this isn’t about knitting, though that is my world nowadays. No, this is about remembering, triggered memory. Read the name Owen and cast back to my neighbors, the Owens. Large family, all varying shades of mocha with the exception of the only son, Anthony. I secretly adored his handsome chocolate brown frame. It was never curious to me that he was the only brown child; it was marvelous. I wonder if he ever experienced discrimination because of the lovely color of his dark brown skin.

In southern India, I saw the most beautiful dark brown people with glistening black hair. Gorgeous! Then, I learned they were as colour-struck as American Blacks and used terms like “wheatish” to describe the most desirable skin colour. Dalits I met were universally brown-skinned. The women and men who tended my household, bathroom, and garden were universally brown. The owner of the flat was that wheatish color I first encountered reading Indian newspaper personal ads. Wonder what causes wheatishness? Black people have white folks in slavery to thank for some of our wheatishness, as well as for the concept of colour-struck in American culture.

Considering such castings cause me to take refuge in my knitting. I’m not a writer, Yann! I’m a maker, an artisan, a handcrafter, a sample maker. Mom was a sample maker. There are entire businesses devoted to the making of samples. I saw one recently featured on NHK. Sample makers typically make the first draught of a pattern, testing theory as it happens. If everything is good, only one sample is needed. If more work is needed, revisions, and additional samples will be made. I like making one or two of a thing, then off to a new project. I have a research scientist’s ability to focus intently on a topic for a long while, but I have a child’s curiousity and want to explore many things, hence the making of one or two gloves, or pattern tests, or blog posts, then it is off to a new project.

Anthony. One of his sisters was a doctor. Another worked in the university system. They were a good family. I hope all is well with them.

Disaster · Health and wellness · Obituaries · observations · social observation · Sociology · trauma

Sherrice Iverson

Sherrice would be about 27 if she had not been stolen from the world.

This baby was raped and murdered in a Las Vegas bathroom stall as a friend of her assailant, who knew what was happening to her, exited the bathroom and continued about his business.

He was dubbed a Bad Samaritan. First time I ever heard this concept used, though its existence should have occurred to me. There is no written law requiring bystanders to stop rape or murder, even of a child.

So, a baby girl was lost twenty years ago and I cannot forget her.

aging · Community · Disaster · Homeownership · Law · Neighbor Law · observations · Paralegal Studies · Uncategorized

Blessing in Disaster (Real/Real)

The winds were high and apparently gentle, but the property-line tree fell on my home. Happy Earth Day! The tree was over 60′ tall by a ways. The utility pole stands that high and the tree towered over that, all five branch trunks growing from the main stem. Hard to believe the tree started from something like a weed, easily yanked out of the earth before it can grow into the heavy colossus guarding the property line.

When the branch cracked away from the central trunk, I was sitting under it in my bedroom. You know that sound you hear in films about the lumbering industry, hacking down the forest, shouting,”Timberrrrrr!” The tree cracks away from the base and the upper branches whoosh earthward through the air. I heard the crack, heard the whoosh, and was out of the room by the thud that signaled the trunk had come to rest on the roof and on the roofs of the next two houses. No damage to any roof but my own. Thank you, Mother Earth.

The ceiling was kept up by things sitting atop the closet. I can see daylight where the wall of the house buckled and burst at the seams from the weight of the limb that laid atop the roof for 3-4 days. The general contractor said the only reason the tree did not come into the room is because it was small. Saved by geometric configuration and physics.

The general contractor also said the house must be razed.

I await the adjuster/appraiser. Long wait in a precarious shelter. I refuse to go into my bedroom. Just moved to the living room, though it is somewhat dicey up here as the neighbor continues to host a colossus, some of its branches overhanging my property….

Community · Criminal Organizations · Health and wellness · Paralegal Studies · power · small claims court · Uncategorized

Neighbor Done Lost Her Mind

I have written here before about the gang members who live across the street and harass me every chance they get. Last March, the day before my birthday, I sent a Demand Letter to the owner of the property. I asked for $7500 in compensation for harassment, threats on my life, taunting, attempted humiliation, and exposure to violence. They seem to have forgotten how they have treated me from 2008 to the present day.

When they shut up after the first letter, I let it go, but the other day as I was walking out to my car to go to the 341 hearing, I was loud-talked, chided, and asked why I wanted to sue my NEIGHBORS! I was subjected to this harassment because the loud-talking woman decided to accept gossip for reality. She thought I called the Sheriff on her. Why? Must be guilt, because I hadn’t thought about them since March 2015.

Since she brought it up, I thought to renew my demand for my money. If I don’t receive the $7500 by 20 February, we will be seeing the inside of the Small Claims Court where the landlord will have to explain why she supports a nuisance.

aging · Class · Community · Criminal Organizations · Economic Anger · Health and wellness · News and politics · Paralegal Studies · Probate · Probate Housing Creditors Mortgages Mortgage Fraud

Banksters vs Hamilton: The Latest (Real/Real)

Filed complaints with Better Business Bureau, Consumer Affairs, CA State Department of Business Oversight, and the young Consumer Financial Protection Bureau http://consumerfinance.gov. I also wrote to Senator Elizabeth Warren as I know her to be a consumer advocate and quite involved in the formation and operation of the CFPB.

My representative from Consumer Affairs had to negotiate with MGC Mortgage, and it was not a pretty affair, but he gained my side a month’s reprieve, in which time MGC Mortgage is supposed to review the loss mitigation documents I submitted. I expect for them to come back with a denial and some excuse that would prevent me from qualifying for loss mitigation, and I’ll be told to do something else. They denied a loss mit app in November 2014 and told me I was not eligible for a loan assumption, though the word lately has been loan assumption whenever I’ve been able to speak to an MGC representative.

Now, thanks to the helpful input of friends and several agencies, I’m on a mission to find the $42,000 owed these people on a $25,500 loan taken out in 1997! Go figure. Maybe I’ll put my GoFundMe page back up…

Simplest way to amend the Probate Code to avoid any more of this type of backdoor theft of real property from consumers by banksters would be to require ALL creditors to make a claim against the Estate of a deceased mortgageholder, thus also requiring all creditors to inform the consumers who notified them of the mortgageholder’s death of their possible need to file probate. Both secured and unsecured creditors should be held to the same standards when a deceased mortgageholder is involved.

aging · Community · Criminal Organizations · Economic Anger · Paralegal Studies · Probate

MGC MORTGAGE, INC. cont’d (REAL/REAL)

Have filed a fraud claim with Consumer Affairs, complaint with California State Department of Business Oversight.

Will likely have to file for Injunctive Relief as MGC Mortgage, Inc. and the Law Offices Of Les Zieve represented by Ms Karen Talafus are incommunicado, closed to observe the holiday.

I am right indignant at being left uninformed about what to do when dealing with the real property of a deceased parent and a conniving mortgage company/bankster. There really oughta be a manual.

Everyone I have spoken to seems unfamiliar with what is plainly written in Probate Code about rules and regs, conditions and responsibilities of parties involved in probate proceedings. Everyone assumes the mortgage company must be paid. Well, they should get what is rightfully owed to them, and the rules of probate detail how that is supposed to work. Paralegals, look under Creditor Claims, Mortgages, Deceased mortgage loan holder. A creditor has a year from the date of death of the decedent to make a claim against the Estate. Dead people are not supposed to continue to rack up bills. A creditor has to be notified about the probate proceedings in a timely fashion so that they can make a claim against the Estate of the decedent. They have, if I have interpreted and remember correctly, about four months after being notified to file their claim with either or both the Court and the Estate Administrator. MGC Mortgage, Inc. was notified of my mother’s death in 2005, but failed to notify me to file probate. In fact, the first time I heard someone mention the word probate was last Friday when, after 48 minutes of transfers and holds, I contacted Ryan in the Foreclosure department of MGC Mortgage. He informed me that the property had to go through probate and seemed right stupefied when I told him probate had already closed. He asked me to fax him corroborating docs, which I did. I also mailed a hard copy.

I was told by Karen Talafus that my faxed copies were illegible, could I send the copies to her. She works for the law firm of Les Zieve acting as Trustee in the auction. I emailed her the copies. That was Wednesday morning. Still no word from either bankster about this matter. They are stalling, but they will be stopped.

Legally, MGC Mortgage, Inc. could not file a claim against the Estate because they are long past the year limit, nine years past the limit. That needs explaining. My name is not on her loan documents, but I was led to believe I had to continue paying the loan, all these years getting no credit for doing so. That needs explaining. Presently, it is my mother’s credit that is being wrecked on paper. Why, nearly a decade after her death?

Probate was open for three years. MGC Mortgage, attempting to squeeze every dime from me, finally started foreclosure against my mother, ten years dead, and is planning to sell the property at auction, no matter what the Probate Court found, on 15 July 2015. This is the reason to file for Injunctive Relief, as the property title was transferred to me by the Court after no claims against the Estate were received.

Such arrogance and gall. And they continue in their extortionist behavior without stop. I wonder how many people they have rooked out of their property?

aging · AS · Class · Community · Criminal Organizations · Economic Anger · Health and wellness · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · research

MGC MORTGAGE, INC. aka DOVENMUEHLE BANK and PROBATE in CALIFORNA (REAL/REAL)

My mother of blessed memory left 10 years ago. She had a mortgage loan with RBC Mortgage or some such. They had purchased the loan from Aames Home Loan when they went under. My mother’s death was reported to this first alphabet soup company, which was only concerned with who was going to pay the mortgage. My name was not on my mother’s loan. Instead of getting me to continue making payments, I should have been told to file probate. Mortgage holders, in California, have to make a claim on the estate of a deceased mortgagee within a year of the death. The first alphabet soup company sold the mortgage to MGC Mortgage, Inc. without, I think, disclosing the facts of my mother’s death, or MGC Mortgage knowingly committed fraud by having me make payments on an account that was not mine and for which I received no credit for 7 years.

No one is responsible for another’s debts unless you signed, co-signed, or in some other way obligated yourself or made yourself responsible for the bill.

How is it, then, that my mother, whose initial loan was $25,500, now owes MGC Mortgage almost twice that amount 10 years after her death? Why is my mother’s credit being shredded 10 years after her death?

In 2012, an employee of the Los Angeles County Tax Assessor’s office told me to file probate in order to transfer title of the property to my name. There really oughta be a manual…. I thank the Great Spirit daily for motivating her to speak, else I would still be being victimized.

Filing probate costs lots of money, but I got her done. Probate was open for 3 years. MGC Mortgage was duly notified of all that was going on. They were the only creditor listed when probate was initially filed. They needed to make a claim within 4 months of receiving my Letters of Administration, if I have interpreted the Code correctly. No claim was made. Probate closed and I was awarded the property. In the summary, it clearly states that no creditor claims were received by either the Court or the Administrator. Case closed, yes?

No. MGC Mortgage is still trying to get money from my mother’s account. They want me to assume a loan that should not exist. They want me to pay more on top of the 7 years worth of payments made by me, and the decades of payments made by my mother on a $25.5K loan.

MGC Mortgage’s legal department seems unfamiliar with the rules of law, Probate Code, and court orders. They have foreclosed on the property, after 10 years of milking the account, and plan to sell on 15 July 2015. I explained to them that they failed to make a claim on the Estate, the property was awarded to me with no stipulations, and they needed to respect that as the Business Oversight Bureau of the great state of California informed me that I have grounds for making a complaint.

Probate is about paperwork and reading the the Code to find applicable information to help transfer property title from the deceased to a new owner; it is work that can be accomplished by a dedicated paralegal.

In the final hour, I received a notice from the Los Angeles County Recorder to contact Consumer Affairs for help in stopping the foreclosure sale of the property. They, too, thought I had to assume the loan or pay MGC Mortgage, but I explained the situation, directed them to the sections of the Code I used to defend my position, and they decided to look further at the problem to see if they can at least help stop the sale.

Update tomorrow.