Criminal Organizations · Economic Anger · Homeownership · Law · Paralegal Studies · power · Probate · Probate Housing Creditors Mortgages Mortgage Fraud

What Have I Learned? (Real/REAl)

It really does matter when you file probate, as opposed to the disingenuous response given me by Beal Bank that no matter when probate is filed, it makes no difference.

Well, bugger that. Had I filed probate immediately after my mother’s death, I would not have incurred the huge tax bill that I did when I filed change of ownership paperwork, on the advice of MGC Mortgage, Inc. aka Beal Bank, before I filed probate. When I could not pay the greatly inflated taxes, MGC was able to open an escrow account and get one tentacle around my home.

Now that probate has closed and the tax assessor knows who is the owner of the property, the reappraisal that was triggered will be eliminated and I am due a significant refund. This I will report to the FDIC, not that I expect the information to be of any use to me, but perhaps others who have dealings with Beal Bank have had this experience. I continue to believe Beal Bank is due for a serious audit, but I know it will not happen in our current corporate-supportive context.

I think the advice to file change of ownership docs constitutes giving legal advice, just as advising me about probate would be considered giving legal advice. There seems to be no way to beat a bank, no matter how crooked and corrupt it may be.

The law needs to serve the people. The law needs to be accessible to the people.

When are we going wake up to our diminishing rights and representation by those who have sworn to serve us?

 

Homeownership · Insurance · Law · Paralegal Studies · power · Uncategorized

Can I Get a Witness? (Real/Real)

A very large limb from a very tall weed fell on and crushed my bedroom. It didn’t crush it to bits, but the limb did hit with enough force to split my bedroom at the seams, crush the center beam and godtotell what’s up with the rafters. The wall is leaning away from the ceiling, which is cracked and broken.

The house was built in 1927 that I know and there never was a foundation, but crawl spaces did exist for I sometimes crawled under the house to go exploring. Lots of spiders’ webs and plants that grew in the dark. Sometimes, they’d grow right through the spaces in the wooden floor. Tongue-in-groove, but they grew around the wood. I’ve always appreciated the heartiness of the earth and the plants that come out of it on my small patch. I have digressed.

The insurance company that I have paid for the past 5 years sent no one to inspect my damages for 18 days. The estimator told me that he thought he should refrain from making an estimate until a structural engineer assessed the damage. He went out and spent a great deal of time in his vehicle writing his conclusions. I thought he ordered the structural engineer. He told me he was, but when I called to speak with my adjuster several days later to ask when the visit was scheduled, his second knew nothing. The engineer did show up shortly after I made the call.

My claim rep communicates poorly, if at all. He seems to have dealt with my case in haste. Or, was he somehow corrupted by MGC/Beal Bank? These monsters contacted the insurance company and told them that they would be paying the insurance. My insurance payments have never been late as they are directly debited from my bank account. Because MGC/Beal Bank is listed as the lienholder, they are allowed to make some changes at will. This change resulted in me receiving a warning letter from the insurance company because the premiums had not been paid for two months. The insurance company also told me, the person responsible for paying the bill for the past five years, that they were responsible for protecting the lienholder’s interest. Where does that leave the consumer, the person directly dealing the with the loss? With your interest unprotected.

This bloody bank can hide behind the law. Everything the bank does is protected behind legalese and legal fees.

The fight to save my home continues.

 

 

 

 

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.

Criminal Organizations · Economic Anger · power

341

 

First creditors hearing scheduled for 22 January. Beal Bank/Dovenmuehle/MGC/RCS and apparently Aames Home Loan should be present. I hope they have to answer how it is that I paid Aames Home Loan the mortgage when Beal Bank acquired the Trust Deed securing their interest in the property in 2004. This occurred a year before my mother died, but I have no record of this transfer. Surely, my mother would have been entitled to know of this transfer?

When I notified Aames Home Loan in January 2006 of my mom’s death, I was instructed to “just keep paying the bill.” I was not told to file probate. I was not told that because my name was not on the mortgage, I would need to file probate in order to communicate with the mortgage company about the loan. I was told to “just keep paying the bill.”

In 2011, a representative from the tax assessor’s office told me to file probate. As soon as I could get the money together for the court costs, I filed. There is no respite from the fees for the working poor. I had to file probate on my own because I did not want to sell my home; no attorney would take the case as there was no golden bonus to be had. Probate was open until 2014 with only MGC listed as a creditor. While in probate, Beal Bank filed foreclosure against my mother. They claim they had no knowledge of my mother’s death until probate was filed in 2012.

It seems, if I interpret the recording date on the reconveyance of the trust deed correctly, I have been paying Beal Bank since 2006 as they masqueraded as Aames Home Loan, RCS, and finally MGC. When I plug MGC into a search engine, the results come back Beal Bank.

I had to file bankruptcy on a 10-year-old mortgage that is not in my name. I have paid on this not-in-my-name-mortgage for 10 years, maintained the insurance, repairs, etc., in my name. Aames Home Loan aka Beal Bank was notified of my mother’s death by phone, and sent an original death certificate by mail in 2006.

I hope some transparency will be achieved into how this was allowed to go on for so long. I think I should have an explanation of what has taken place over the past 10 years. I paid, received no tax credit, no plus marks on my credit, no nothing for 10 years, then Beal Bank tries to steal my equity-rich home for <$50K.

Is this really proper procedure for a mortgage company/bank?

Community · Economic Anger · Health and wellness · News and politics · observations · power

Old People Better Stand Up

Tired of old people, older people, being ignored in the drive to the future. Those of us over 50 have a whole lot to give to our culture and the world. All this focus on K-12, all the rhetoric breathed and theory advanced, well and good, but any society that fails to provide accessible opportunities for continual skills development and general knowledge acquisition to all her citizens is a society doomed to fail shortly. Wasting human capital is a moral and practical failing of our corporate capitalist materialist consumerist economy. The effects can be observed from slavery to the current day, just different demographics are involved.

We need a paradigm shift when examining the stages of adult life considering some trends in increasing longevity. Many of us over 50 are healthy, clothed in our right minds, and eager to share and savor life, using our skills and insights in concert with others to accomplish goals and improve our world for ourselves and the coming generations.

Why does our culture persist in denying older people a right to expect anything other than marginalization? We, the older, need to speak up and get ours, too.

Class · Diversions · observations · power · Sexualities · Sociology

“Race”, Gendered Relations, and Sterling

What is really troubling about the whole Sterling affair is not his racism, which has been common knowledge for some time, but the gender relations that have not been discussed at all. Sterling’s racist rants were only made public by his former mistress when she found her back against the wall, put there by the lawsuit filed against her by Sterling’s wife. What kind of witch is she?

Mrs. Sterling is seeking to obtain more than a million American dollars from the mistress who seduced her husband, duped him into giving her millions in money and goods. Could such an arrogant bastard really be that easily convinced to part with a few of the dollars he has amassed from the labors and sufferings of others? No, I don’t think so.

Why isn’t Mrs. Sterling putting pressure in the proper place, on her beast of a husband? I’m sure she isn’t afraid of him. Is this typical behavior of a woman whose husband is an adulterer, to put the blame on the other woman? Surely, she’s done this because she won’t give up the lifestyle being married to such an anal orifice affords her. I can’t help feeling she’s a bit of a coward and as much of a bully and control freak as her husband. They were made for one another.

The mistress is, of course, wrong. She should never have made the decision to have anything to do with a married man. She was the one seduced by the money, gifts, and I suppose the prestige (?) of being Sterling’s other woman, of which I’m certain there have been many. However, none of these issues has been discussed in the media. The focus has been on “race” and race seems to mean only black. I have a problem with this.

There are, to my way of thinking, several ethnic groups represented in this menage. There are the players, who are Black and Anglo. There are the Sterlings, who are Jewish, which might mean Anglo with a cultural twist. There is the mistress, who is both Black and Latino. These are all cultural, or ethnic, groups. Race is about skin color, pure and simple. This is why news articles always write black with a lower case b. They are not talking about a cultural group, but about skin color. They then confuse the issue by capitalizing the misnomer African-American, a term that applies, rightly, to President Obama, but not to Blacks who defined themselves using the pan-African term Black in a show of global solidarity with all people of color, and a demonstration of self-definition and power in the 1960s.

A very big deal was made about denigration of others based on skin color. Nothing was made of the immoral, adulterous behavior of Sterling or his mistress. Nothing was made of the bullying, passive-aggressive behavior of Mrs. Sterling.

Why talk about any of it if all of the mess isn’t going to be addressed?