AS

Pavement Dwellers

When I was in Delhi, in ’97, I was struck by the numbers of people living on the streets, living over, among garbage dumps, part of unguided tours given by savvy street kids to American or otherwise well-off tourists.

People were coming into the cities from the countrysides, often lush with green and color, for work. Entire families from less prosperous outlying areas were caught up in the rush, arrived in the cities, on the pavement.

I saw little children pull up some curb and go to sleep like it wasn’t a thing. I learned that just because they were small didn’t mean they were young, just missing meals. Caste was a real thing and I met the Dalits, many who lived amid some of the crumbling ruins of colonial origin. They were still considered untouchable and mistreated shamelessly by those of ‘wheatish’ complexion.

Now, the pavement dwellers are 163K strong in California. In a way, pavement dwellers here are more restricted in where they can live than were those in the subcontinent’s hub cities that experienced high rates of in-migration from the countrysides. Now, in America, we are kicked out of housing because we cannot afford the rent/we lost our job/we have three jobs/all sorts. Replacement housing isn’t available to match the rate of people being made homeless, daily. People and families.

We are awash in rhetoric while people dwell on the pavement, in the wretched heat, in the numbing cold, in increasing numbers. People and families.

Who was that just bought a $76.2 million house?

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.

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?

 

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 · AS · Class · Community · Criminal Organizations · Economic Anger · ethnography · Health and wellness · Paralegal Studies · research · Sociology

Real/Real

On Thursday, my neighbor of 50 years said to me, “Fuck your mother.” Unfortunately, I wished him the same. However, I think his remark was out of bounds as I only asked him to move his car forward a little bit to make it easier for me to get out of my driveway. We had a screaming fest, heavily laden with expletives, as I mainly parroted back what was shouted at me, as it is not customary for me to be playing the dozens and yelling in the street like a fishmonger’s wife.

So, I’m taking his mother to Small Claims Court to get my $7500. I think I have a great torts case. Got some negligence involved, intentional injury, PTSD, and possible punitive damages. Most important, I have years of supporting documentation. Preliminary research begun. . ..

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.

Community · ethnography · Language · poetry · research

Generations 3

 

I don’t know the girl

called Shut Up Arianna

her mother I know

Shut Up Ari’s mom

was called Raggedy Ho by

her mom, Stupid Bitch

Shut Up Ari speaks

like those around her whose speech

and affect are flat

Tell me: Why does a toddler have ample amounts of time to stand in the window or doorway and shout her cousin’s name? He is 10, and tired of babysitting, wants to play with other boys, his peers. Why is Raggedy Ho not engaging her daughter, not interacting with her except for Shut Up, Arianna? Is it only me, or does anyone else see something wrong with this picture?