Heroes - From an ACORN grows the tree.

The news everywhere is beyond dreary. But let us focus on heroes instead, common people who expect no saviours but roll up their sleeves in commitment to help themselves and others steamrolled by the economic system. By spreading the news of these people with courage, we can inspire each other with hope. Together we are stronger.

Roseanne Barr Joins ACORN

Protest Against Foreclosures

Source
Last Thursday, I attended a rally in Watts, a small community in southern Los Angeles, sponsored by ACORN (Association of Community Organizations for Reform Now). The rally was held to raise awareness about the critical nature of home foreclosures in Los Angeles and to launch ACORN's Home Defender Campaign.

The campaign is designed to keep foreclosed families in their homes. ACORN implements various methods to accomplish their goal. On the one hand, you have ACORN representatives directly communicating with lenders and on the other hand you have civil disobedience - ACORN representatives and volunteers locking arms along the sidewalk to block eviction officials from entering homes slated for auction.

Despite the negative characterization ACORN received last year during the general election, ACORN has been helping moderate and low income families for more than 30 years. ACORN has over 400,000 member families organized in more than 1,200 neighborhood chapters in 110 cities across the country.

Participating at the rally was comic, writer, producer, actress, and, unbeknownst to me, political activist Roseanne Barr. Below is my interview with the ACORN supporter.

Kathleen Wells: Roseanne, how did we get here? How are American citizens, all across this nation, facing unprecedented levels of home foreclosures? Who is at fault and why is this happening?
Roseanne Barr: The people at the top are to blame for their rapacious and unregulated greed. Poor people rot in jail for doing far less damage than corporate criminals at the top who are coddled after committing more far-reaching offenses.

KW: Tell us, how did you get involved with ACORN. What were some specific campaigns that you have been involved with and how do you see your role going forward?
RB: I was introduced to ACORN while I was on the road with Michael Moore during the 2004 presidential campaign.

We met with Acorn chapters in Florida, Iowa and a few other cities. My boyfriend Johnny, me and Michael Moore's whole crew helped to drive old people from the inner city to the polls in Cleveland, Ohio on a snowy, cold election day during the second election that was stolen by Bush and Cheney.

I instantly recognized the women in acorn as being the same kind of women I had been in collectives with in my younger years in Denver, Colorado. I have always been a labor activist, as was my father and his father. Even the Roseanne show was a sit-com about American Labor.

KW:Elaborate on some of the things you've seen working with ACORN?

RB:I have seen that ACORN is the lobby for people who have no lobbyists. I have seen them organize and work with people in the most economically challenged corners of this country, where people are on their last leg and pushed up against the proverbial wall.

I like the people personally because they believe there can be justice and peace, and that those values are American and moral. I helped them to raise the minimum wage across the country. They are unstoppable, because God is on their side.

I also like the way a lot of these women can bake a pie, discuss economics and transform the lives of everyone they come into contact with. Women my age are a force that is getting ready to unleash itself against evil. But, the most impressive thing is that they elected Barack H. Obama through their fantastic organizing skills and knowledge.

KW: As you know the ACORN rally was held at the home of the Beard family. They have already been foreclosed upon, despite living in their home and raising their 3 children in that home, since 1985. For the past 10 years, Mrs. Beard worked as a teacher assistant and Mr. Beard has consistently worked as a cook, for 17 years. They refinanced to make repairs to their home - repairs that had been needed since before 1985. This was their first time refinancing. Their payments shot from 1,700 a month to over 3,200 a month. What does the Beard's story say to you, Roseanne?

RB: That banks and other lenders, advertisers, real estate agents all played fast and loose and made their money up front or along the way, but at the end of the process it's the working people who are out in the cold. Now there's a trend toward blaming buyers for being irresponsible. But, those buyers were often assured that rising home prices and values would always keep them ahead of their debt load. We saw commercials all day long encouraging people to borrow against their home equity. Now the bubble equity has vanished into thin air but the crippling debt remains.

KW: Will you go as far as to participate in ACORN's method of civil disobedience? You know, the part about locking arms with family members, when eviction officials arrive. You run the risk of being arrested - how, does that sit with you?

RB: I told Bon Bon and the other ladies of my age there that if they would watch my back I would watch theirs. One old woman told me in translated Spanish that she had been arrested for political reasons in her seventies (she is in her eighties now) and that the hamburgers were good in jail, and that everyone treated her like a queen, and the jailers told her they thought it was wrong to imprison old weak women. I said I will go anywhere for a good free burger. I think women in jail would like a lot of my jokes.

KW: I'm sure you've heard that California is suffering a budget crisis. I think our deficit is at 42 billion now. However, when the Governor came into office, 6 years ago, the deficit was 4 billion. What are your thoughts about that?

RB: I do not like Arnold because he hangs out with people who steal homes from widows and orphans and then they auction it off for half its value and then turn around and sell it again for a profit on the first profit, and then complain about how unfair the widows and orphans are for wanting health care and schools and hospitals. They are sociopathic pirates like in the Disney movie.

KW: Just last Thursday and ironically, the same day as the ACORN rally, the Governor, signed a package of bills, all aimed to balance the budget by the year 2010. Along with those bills, were two other bills that call on a 90 day moratorium on home foreclosures in the state. However, the Governor hasn't signed these 2 bills yet. Your thoughts?

RB: Pick up the pen punk.

EyesandEars: Home Owner Protests
Foreclosure in Tuscon, AZ

Source
This story was reported and written by Robert Temple. He is one of the HuffPost citizen journalists helping cover the on the ground effects of the foreclosure crisis. Sign up here to participate in HuffPost's new EyesandEars citizen journalism feature.

As you drive south along South Park Avenue in southern Tucson, you pass streets named for U.S. states: Michigan, Ohio, Tennessee and Oklahoma. A symbolic reminder of the national scope of the housing crisis.

Ana Castro lives on Kentucky Street, filled with modest homes and lined with Palm and Palo Verde trees. Located just six miles from the Davis Mountain Air Force Base, the peaceful setting is often temporarily interrupted as pairs of A-10 Thunderbolt (a.k.a. 'Warthog') fighter jets streak by on training missions.

Ana's house isn't filled with expensive frills. A modest, well kept one story, two bedroom house of about 1000 square feet, there is no cable or high speed Internet connection. Ana doesn't own a computer, and the television brings in only local channels using a rabbit ear antenna.

She has lived in this house for fifteen years, easily affording the $430 mortgage payment while making small home improvements like planting a lemon tree and installing landscaping bricks with the help of friends and neighbors.

That began to change three years ago when she refinanced with Wells Fargo. What started out as an affordable $650 per month payment for the first two years started to increase. Her monthly payment is now $1450 at an interest rate of 17.5%. With Ana's job as a Prep cook at the Universal Medical Center bringing in $10.50 per hour, she is unable to keep up with her steadily increasing house payment.

How did Ana find herself in this situation? Ana says that the bank lied to her about the terms of her loan. Before she signed the finance agreement she was insistent about the monthly payments. She wanted to make sure she could afford them. The bank assured her she qualified.

Two years later when Ana noticed her payments rising, she called Wells Fargo asking for an explanation. Each time she called she talked with someone different than the last time. What didn't change was their answer: she agreed to the terms of the loan at the time she signed the papers, and she had no choice but to make the payments.
Story continues below

Soon Ana was unable to afford the monthly payments on her home of 15 years and the bank started foreclosure proceedings. Now when she calls them they tell her she has to make a payment of $4000 before they can even begin to do anything to help her.

In addition, the foreclosure has damaged Ana's credit rating, making it impossible for her to obtain other financing options.

With no where left to turn, Ana called the Tucson ACORN office. They have been a great source of support for Ana, providing financial advice and advocating in her behalf. ACORN also has a support system of volunteers called "Home Defenders", which are a group of volunteers foreclosed families can call at any time for support.

Through it all, Ana is hopeful and determined. Although feeling the stress of her uncertain future, she gives thanks to ACORN, as well as friends and neighbors and for their support and "Prays to God every single day" to let her keep her house.

Today, ACORN is hosting a protest and press conference at Ana's house. Jorge Garza is organizing the event, and is joined by others whose homes are being foreclosed. Madeleine Troyon, Dolores Fair and Maria Jimenes are all members of, and being supported by, ACORN. They each have a unique story to tell.

Madeleine was upbeat about the future, saying "I am so happy we have a president that is helping us." "

Dolores is hoping for broader support, telling the people gathered there "We need our community to stand with us."

Jorge Garza, who works with victims of predatory lenders every day, sums it up this way: "Banks do not deserve 20 years of someone's life just because [the banks] were greedy."

As for Ana, she expects to keep her home, and says "We will fight to the last" to do so.

ACORN sets up eviction 'crisis' teams

February 21, 2009
By Christin Nance Lazerus and John Byrne
Source
Post-Tribune staff writers
Legislative efforts are afoot in Washington, D.C., and in Indianapolis to protect homeowners and renters from foreclosure and eviction as the mortgage crisis gains momentum.

But rather than wait for help, the community group ACORN is set to launch a local eviction rapid-response team to prevent people from being thrown out of their homes.

The "Home Savers" will consist of people who can mobilize on short notice to defend homesteaders against attempts to evict them.

Eric Weathersby, director of Northwest Indiana's chapter of the Association of Community Organizations for Reform Now, said the group will rely on telephone calls from homeowners starting next week to determine who needs help.

As part of a national campaign, ACORN is encouraging people to refuse to move out of their homes or, in some cases, move back in. The civil disobedience campaign aims to pressure federal officials to come up with a solution to the housing crisis.

President Barack Obama announced a plan this week to stem the tide of mortgage foreclosures by earmarking $75 billion to prevent 9 million homeowners from being evicted.

He also announced a plan to double aid to mortgage companies Fannie Mae and Freddie Mac to $400 billion to encourage them to refinance home loans.

On the state level, Sen. Karen Tallian, D-Portage, has written a bill to force mortgage lenders to the table to try to negotiate new terms with homeowners on the brink of foreclosure.

Another bill in Indianapolis would give renters a 10-day notice of a pending foreclosure, and give them the power to void their leases if the building in which they live is about to be foreclosed on.

But Weathersby said there is currently "a breach" his group needs to fill.

"We are supportive of the president's plan, and that of Senator Tallian," Weathersby said. "In the meantime, however, we need to do what we can to keep people in their homes."

The "Home Saver" teams might engage in civil disobedience, physically blocking sheriff's police from getting to the front door of a house to serve an eviction notice, Weathersby said.

Lake County Sheriff Roy Dominguez has been at odds with ACORN for months on the eviction issue.

Dominguez says he must carry out court-ordered evictions, and warned ACORN not to try to prevent his officers from doing so.

Comment on this story at www.post-trib.com.

ACORN home page

News you WANT to read: Local Heroes

Almost all real heroes are local heroes. Men and women who act on their beliefs, knowing the consequences they may bring upon themselves, stand up, first alone, then together. This is a story of such a man and the movement that has emerged from his courage.

Take Back the Land:

Miami Grassroots Group Moves
Struggling Families into Vacant Homes

Umojaweb
Source
The Miami grassroots group Take Back the Land has launched a campaign to help some of the victims of the foreclosure crisis. The group has been helping homeless families illegally move into vacant homes that have been foreclosed. We speak to Take Back the Land founder Max Rameau.



Guest:

Max Rameau, Miami-based activist and organizer with Take Back the Land


JUAN GONZALEZ: Earlier this week, President-elect Barack Obama nominated Shaun Donovan to head the Department of Housing and Urban Development. One of Donovan’s main challenges will be dealing with the foreclosure crisis. An estimated 2.5 million homes have been foreclosed this year. One of the hardest-hit states has been Florida. Over 40,000 homes have been foreclosed in Miami-Dade County alone.

One grassroots group in Miami called Take Back the Land has launched a campaign to help some of the victims of the foreclosure crisis. The group, led by activist Max Rameau, has been helping homeless families illegally move into vacant homes that have been foreclosed. Two years ago, Rameau helped build the Umoja Village Shantytown that housed hundreds of homeless men and women. He is the author of the book Take Back the Land: Land Gentrification and the Umoja Village Shantytown.

AMY GOODMAN: Max Rameau joins us now from Miami. We welcome you to Democracy Now! Max, tell us exactly what you’re doing right now to deal with the foreclosure crisis.

MAX RAMEAU: Well, there are a lot of vacant homes in Miami, and so this is creating all kinds of problems in our community. But the worst thing is that there’s all these vacant homes while there are people literally across the street sometimes sleeping in parks and in empty lots. So, Take Back the Land is identifying vacant government-owned and foreclosed homes. We’re going into them, we’re cleaning them up, and we’re moving homeless families into those homes so that they have a place to stay.

JUAN GONZALEZ: Max, back in the 1970s, there was a similar problem with a lot of federally owned houses after the big FHA mortgage crisis. And there were squatters’ movements around the country. What’s been the reaction of local officials to this movement that you’ve started?

MAX RAMEAU: Well, we haven’t had a whole lot of reaction. Up until last week, there was really no reaction at all. And, of course, people were aware of what we were doing when we started this in October of 2007. We did so very openly and very publicly, and we had a big feature in the local newspaper about it, so that it wasn’t like we were keeping this secret or anything, and our activities were very well known.

However, last weekend, one of the homes that we moved a family in, this family identified themselves publicly and has done media and did not conceal their identity at all. The police chief of the city of Miami did send over two officers last week to check on the house and to look around in order to advance his own investigation of what was happening, and we had to respond to questions about what was going on.

But I will say that I think the crisis is at such a level right now that I don’t think there’s going to be a whole lot of public appetite for the police doing a widespread crackdown on this kind of thing, given the fact that there are a whole lot of people who need homes, there’s a whole lot of empty homes, and there’s a whole lot of money that’s being shoveled over to the banks. So the banks have all this money, and they don’t even have to give up the homes. They get both the money and the homes. So I think that the police are being used as a tool for the banks so that the banks can keep these places vacant and cash in on them a little bit later. I don’t think there’s going to be a whole lot of public sympathy for that position.

AMY GOODMAN: What has been the response overall? The press? The authorities? And how many people have you found homes for?

MAX RAMEAU: Well, the authorities, we haven’t had much response from at all, except for that one incident last week, which, you know, didn’t amount to anything but a fact-finding mission.

The general public has been very responsive to it. Obviously, we go and we talk to the neighbors before we move people into these homes, because we’re not only trying to improve the lives of these individuals, we also want to improve our communities, the communities that, you know, I live in and that we live in. So we feel that having the neighbors a part of the process is a very important part of this campaign. And the general public, I think, supports it, because they recognize that there is a real crisis here, and these houses are not doing anything good.

I think what’s happening is we’re having a—approaching a real clash between two rights, or at least perceived rights. One is the right of human beings to have housing, and the other is the right of corporations to make a profit. And there’s a clash going on between these two rights, or perceived rights, and the society is starting to work out which one it thinks is the most important right. And we are asserting that the right of human beings to housing supersedes the right of corporations to make a profit. And I think people are starting to come to that same conclusion.

JUAN GONZALEZ: And the impact on Miami-Dade of this phenomenal increase in foreclosures?

MAX RAMEAU: Well, obviously, there’s a lot of people who are hurting. There’s a lot of families who are being forced out and becoming homeless or being forced to move in with other relatives. And so, what’s happening is you have a two-bedroom house that has a family, you know, couple and the child, and then suddenly a brother or sister or another child and their children move into the place. There’s a lot of overcrowding going on. There’s a lot of deterioration of property, because there’s too many people living there. There’s a lot of people in really, really desperate situations. And getting a financial break of a month, two months, six months, eight months, however the time will be, where they don’t have to pay rent and they can save up money, I think is a big help.

But this crisis is absolutely devastating, and I think it’s compounded by the fact that government on every level—the federal, state and local—has not only failed to do anything to alleviate the crisis, they’ve actually played a very active role in exacerbating the crisis. And I think people understand that and are very upset by that. So this has really been devastating for a lot, a lot of people.
AMY GOODMAN: It’s very interesting to see this model being used in other places. In Cleveland, advocates are working with the city to allow homeless people to legally move into and repair empty dilapidated houses. In Atlanta, some property owners pay homeless people to live in abandoned homes as a security measure. I’m looking at an AP piece. Talk about Marie Nadine Pierre, the woman who was sleeping in a shelter with her child, and the house you moved her into. And we only have about a minute to go. Describe that situation.

MAX RAMEAU: Well, first of all, a lot of those things are happening here also in Miami, where homeless people—we have several people who are in these homes, you know, somewhat protecting them, I guess, from squatters, by being allowed to move there. Of course, their status there is still very shaky.

With the shelter system here, once you’re in the homeless assistance center in Miami for thirty days, the shelter kicks you out for thirty more days. So, in other words, you go in there for thirty days, they kick you out, and they say, “You can come back again after you spend thirty days on the street, if you have nowhere else to go.” And that is exactly what happened to Marie Nadine Pierre. She got kicked out, and she contacted us right before she did. And so, the day she got kicked out, she was moved into a place where she was able to stay herself. So she would have spent thirty more days on the street, with her and her children. And luckily, she was able to avoid doing that. Now she’s staying in a home that otherwise would have been completely and totally vacant and not doing [inaudible].

AMY GOODMAN: And that house, you know the house well?

MAX RAMEAU: Yes, I do know the house well. In fact, my friends rented the house out, and the landlord, of course, you know, took out one of these bogus mortgages, where they, you know, winked at the mortgage broker and the mortgage broker winked right back. And he said, “You know, I’m willing to take this mortgage that I know I can’t afford, if the bank is willing to give me the money.” And, of course, the bank was more than willing to give them the money.

And so, I’ve been to that house many times visiting friends, and each one of the residents of that house have volunteered at one point or another for Take Back the Land. And they were very happy to make that place available for a family, rather than stay empty so that a bank can cash in. Lehman Brothers, in fact, owns the house, the Lehman Brothers corporation, so we’ve been very happy a family got to use it.

AMY GOODMAN: Well, we’re going to have to leave it there, Max Rameau. The Lehman Brothers corporation that, well, supposedly doesn’t quite exist anymore. Max Rameau, Miami-based activist and organizer of Take Back the Land.

Related

Homeless woman burns to death

Homelessness increases

Man executes bailout plan of his own
on Miami's empty streets

Video of Max Rameau

Free the land

Umoja village

M-D Green Party Supports Housing Rights Advocates

From ashes, the courageous seed

Take Back the Land Website

Take back the land photo gallery

From the Ashes - the Courageous Seed

Everyday I look for odd articles, off headline content for some clue, some indication of hope for some of us at least.

After a forest fire, the landscape looks like an alien planet, charcoal grey, devoid of life. I rode on horseback into such a scene after the Panorama fires in California and tears blurred my vision for miles...the beautiful forest gone and this deathscape left in its place. For almost a year I avoided those trails through the charred sections, not being able to face the desolation and senselessness of what was left. But the next spring, my curiosity overcame my disgust and I visited my once favorite trails through the fire zone.

All sorts of green life was peeking up through the brown and black floor of the forest. It seems that many plants produce seeds that remain dormant for years and only bloom after they have been exposed to the heat of a fire.

Fire is a disturbnace that is needed to sustain many forest communities around the world. One example is the jack pine forest in the north central United States and Canada. Jack pine has developed what is called a serotinous cone. Serotinous cones are covered with a resin that must be melled for the cone to open and release seeds. When a fire moves through the forest, the cones open and the seeds are distributed by winds and gravity. Click here for more

Sometimes there are people like this too; some who bloom only in the most extreme threat. This story of a Cook County Sheriff who refuses to evict any more people is like that seed blooming out of the economic desolation.

"We will no longer be a party to something that's so unjust," a visibly angry Cook County Sheriff Tom Dart said at a news conference.

This is no little thing for law enforcement for an entire county to refuse to obey the law, the same law they have been professionally dedicated to for years. It is bigger than civil disobedience in the sense that the institution itself cracks from internal pressure; between being mindless agents of the law, to protector of those whom the law would wrong. They have put their own compassion and judgement higher than the their masters orders. I think in such people revolutions can be born.

Chicago's Cook County won't evict in foreclosures

By DON BABWIN, Associated Press
CHICAGO - The sheriff here said Wednesday that he's ordering his deputies to stop evicting people from foreclosed properties because many people his office has helped throw out on the street are renters who did nothing wrong.

"We will no longer be a party to something that's so unjust," a visibly angry Cook County Sheriff Tom Dart said at a news conference.

"We have to be sure that when we are doing this — and we are destroying some people's lives — we better be darned sure we're talking about the right people," Dart said.

Dart said he believes he's the first sheriff in a major metropolitan area to stop participating in foreclosure evictions, and the publisher of a national foreclosure database said he's probably right.

"I haven't heard of any other sheriff unilaterally deciding to stop foreclosures," said Rick Sharga, senior vice president of the Irvine, Calif.-based RealtyTrac, Inc. He said the sheriff in Philadelphia helped push a moratorium on foreclosure sales, but that involved owner-occupied homes and not renters.

Dart said that from now on, banks will have to present his office with a court affidavit that proves the home's occupant is either the owner or has been properly notified of the foreclosure proceedings.

Illinois law requires that renters be notified that their residence is in foreclosure and they will be evicted in 120 days, but Dart indicated that the law has been routinely ignored.

He talked about tenants who dutifully pay their rent, then leave one morning for work only to have authorities evict them and put their belongings on the curb while they are gone.

By the time they get home, "The meager possessions they have are gone," he said. "This is happening too often."

In many cases, he said, tenants aren't even aware that their homes have fallen into foreclosure.

This week, an attorney asked that Dart be held in contempt when his deputies did not evict tenants after determining they were not the owners and did not know about their landlord's financial problems.

A judge denied the attorney's request, Dart's office said, and Dart said that after talking to the Cook County state's attorney's office, he is confident he is on solid legal ground.

"My job as sheriff is to follow court orders, absolutely," he said. "But I'm also in charge of making sure justice is being done here and it is clear that justice is not being done here."

The state's attorney's office said it would not comment on conversations with Dart because his office is a client.

Foreclosures have skyrocketed around the country in recent months and Dart said the number of foreclosure evictions in Cook County could more than double from the 2006 tally of 1,771. This year the county is on pace to see 4,500 such evictions, he said.

Dart warned that because the eviction process on foreclosures can take more than a year, the number is sure to climb even higher.

"From all the numbers we have seen, we know (they) are going to be exploding," he said.

Sharga said there are more than 1 million U.S. homes in foreclosure — with about a third of that number occupied by someone other than the owner.

"That number will continue to get bigger," he said.

Dart said he believes banks are not doing basic research to determine that the people being evicted are, in fact, the homeowners.

He said that in a third of the 400 to 500 foreclosure evictions his deputies had been carrying out every month, the residents are not those whose names are on the eviction papers.

Nor, he said, are banks notifying tenants that the homes they're renting are in foreclosure. He added that when banks do learn the correct names of those living on foreclosed-upon property, their names often are simply added to eviction papers.

"They just go out and get an order the next day and throw these people's names on there," Dart said. "Whether they (tenants) have been notified, God only knows."

Evictions for nonpayment of rent will continue, Dart said, explaining that those cases already have gone to court, his office is confident the people being evicted are who the landlord says they are, and there is no question the tenants are aware of what is going on.

Dart said it's only fair for banks to give occupants of a foreclosed property adequate notice before forcing them out.

"You are talking about a lot of people in rental situations living paycheck to paycheck," he said. "To think they are sitting on a pool of money for an up-front deposit, security deposit, is foolishness."

Source