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 - Shoe parties and libraries

It's not easy to find 'News you want to read' on a wintery Monday in January. Cheap thrills are the only options.

Iraqi guards throw party for shoe-Bush-basher

Zeidi celebrates 30th birthday in jail
with two-hour visit from brother,
but concerns on his welfare remain.

By Kim Gamel
BAGHDAD
Source
The Iraqi journalist jailed since throwing his shoes at President George W. Bush got a visit from his brother Friday and a birthday party from his guards as he turned 30.

Muntadhar al-Zeidi, who has gained cult status for his bizarre protest, is in good shape but has been denied access to his lawyer, relatives said after his brother Maitham visited him for two hours in his detention cell in Baghdad's heavily fortified Green Zone.

Al-Zeidi has been in custody since the Dec. 14 outburst at Bush's joint news conference with Prime Minister Nouri al-Maliki. Thousands demonstrated for al-Zeidi's release and hailed his gesture.

But concern was raised about his welfare after allegations that he had been severely beaten and tortured in detention.

The case's investigating judge has said the journalist was struck about the face and eyes, apparently by security agents who wrestled him to the floor after he hurled his shoes, forcing Bush to duck for cover.

Maitham al-Zeidi was not available to comment on the visit, but another brother, Dhargham, told The Associated Press that he was told the wounds had healed.

"Muntadhar was in a good shape ... and his morale was high. Yesterday was his birthday and some patriotic officers there organized a party for him and brought birthday cake," Dhargham al-Zeidi said.

The case became a focus for Iraqis and others in the Muslim world who resent the US invasion and occupation. But it also embarrassed al-Maliki, who was standing next to Bush at the time. Neither leader was injured.

Al-Zeidi had been due to face a trial in December on a charge of assaulting a foreign leader, which his defense team said carried a maximum sentence of 15 years. But an appellate court is considering a motion to reduce the charges to simply insulting Bush.

Defense lawyer Dhia al-Saadi said it was a matter of freedom of expression.

"Al-Zeidi's act was symbolic and in no way was it a murder attempt," he said, adding that he had been allowed to meet his client only once.

"I submitted many petitions to the judge of the case and I expect to meet Muntadhar next week," he said.

Al-Zeidi's act of defiance transformed the obscure reporter from an employee of a minor TV station into a national hero to many Iraqis fed up with the nearly six-year US presence here.

But his brother said information about the international wave of support had been kept from the journalist.

"Some officers told him that half of the Iraqis were against him. But he was very happy when he heard that all the Iraqis support him. He even cried when he heard that there were demonstrations on his behalf even in the United States," Dhargham al-Zeidi said.

The brother who met with Muntadhar al-Zeidi was taken by bus to the detention center, and two army officers supervised the meeting.

The journalist is currently being held alone in a comfortable room with a bed and a TV set, his brother said. "He is being visited frequently by doctors. The food is very good," the brother added.

Al-Zeidi stood by his attack on Bush. He stressed that he meant no offense to the Iraqi prime minister but didn't want to miss his chance to send Bush a message, the brother said.

"He said he could not wait until al-Maliki left the room to throw his shoes because then Bush would also leave and that historic opportunity would be lost," he said.

Muntadhar al-Zeidi actually feared he would be killed by guards after throwing his shoes and read his last prayers before going to the news conference, his brother said.

"So for him it does not matter for how long he would be imprisoned," his brother said, "because the important thing is that he restored the honor of the Iraqi people."

The Bush Library rooms finalised

by allan on December 29, 2008
Source
The George W. Bush Presidential Library is now in the planning stages. The Library will include:

The Weapons of Mass Destruction Room which no one has yet been able to find.

The Hurricane Katrina Room which is still under construction.

The Alberto Gonzales Room where you won’t be able to remember anything.

The Texas Air National Guard Room where you don’t even have to show up.

The Walter Reed Hospital Room where they don’t let you in.

The Guantanamo Bay Room where they don’t let you out.

The National Debt Room which is huge and has no ceiling.

The Tax Cut Room with entry restricted to the wealthy.

The Economy Room which is in the toilet.

The Iraq War Room: After you complete your first tour, they make you go back for a second, third, fourth and sometimes fifth tour.

The Dick Cheney Room in the famous undisclosed location, complete with shotgun gallery.

The Environmental Conservation Room still empty, but very warm.

The Supreme Court Gift Shop where you can buy an election.

The Decider Room complete with dart board, magic 8-ball, Ouija board, dice, coins and straws.

Additionally, the museum will have a 20-electron microscope to help you locate the president’s accomplishments.

Admission: Republicans - free; Democrats - $1000 or 3 Euros

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

News you WANT to read

Real-life Mowgli kept alive by cats
A one-year-old boy has been found living rough on the streets,
apparently being kept alive by cats.

By Chris Hastings
20 Dec 2008
The Telegraph
The boy, whose ordeal mirrors that of the character Mowgli from Rudyard Kipling The Jungle Book, was discovered by police in Misiones, in Argentina, surrounded by eight wild cats.

Doctors believe the animals snuggled up with him during freezing nights which would otherwise have killed him.

The boy was seen eating scraps foraged by the animals while they licked him, it has been claimed.

Policewoman Alicia Lorena Lindgvist discovered the child by a canal in the Christ King district of the city.

She said: "I was walking and noticed a gang of cats sitting very close together. It is unusual to see so many like that so I went for a closer look and that's where I saw him. The boy was lying at the bottom of a gutter. There were all these cats on top of him licking him because he was really dirty.

"When I walked over they became really protective and spat at me. They were keeping the boy warm while he slept."

The officer, who noticed scraps of food near the boy, added: "The cats knew he was fragile and needed protecting."

Police have found the boy's father who is homeless and said he had lost the boy several days ago while out collecting cardboard to sell. He told officers cats had always been protective of his son.

A spokesman for Thames Valley Animal Welfare, which deals with feral cats and strays in Berkshire, said: "They would have viewed the baby like a big hot water bottle. Cats will cuddle up to anything to keep warm, even dogs.

He added: "In our experience of cat colonies when a mother has a litter, all the other cats will go and fetch food. The baby could have been feeding off the scraps they brought. Cats in Argentina stay in large packs to survive - much more than cats over here."

In the Jungle Book, Mowgli is raised in the Indian Jungle by wolves.

Activist moves homeless into foreclosures

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

Marie Nadine Pierre and her baby, Nennon, are squatting in a foreclosured house in Florida.

Source
MIAMI - Max Rameau delivers his sales pitch like a pro. "All tile floor!" he says during a recent showing. "And the living room, wow! It has great blinds."

But in nearly every other respect, he is unlike any real estate agent you've ever met. He is unshaven, drives a beat-up car and wears grungy cut-off sweat pants. He also breaks into the homes he shows. And his clients don't have a dime for a down payment.

Rameau is an activist who has been executing a bailout plan of his own around Miami's empty streets: He is helping homeless people illegally move into foreclosed homes.

"We're matching homeless people with people-less homes," he said with a grin.

Rameau and a group of like-minded advocates formed Take Back the Land, which also helps the new "tenants" with secondhand furniture, cleaning supplies and yard upkeep. So far, he has moved six families into foreclosed homes and has nine on a waiting list.

'Everyone deserves a home'
"I think everyone deserves a home," said Rameau, who said he takes no money from his work with the homeless. "Homeless people across the country are squatting in empty homes. The question is: Is this going to be done out of desperation or with direction?"

With the housing market collapsing, squatting in foreclosed homes is believed to be on the rise around the country. But squatters usually move in on their own, at night, when no one is watching. Rarely is the phenomenon as organized as Rameau's effort to "liberate" foreclosed homes.

Florida — especially the Miami area, with its once-booming condo market — is one of the hardest-hit states in the housing crisis, largely because of overbuilding and speculation. In September, Florida had the nation's second-highest foreclosure rate, with one out of every 178 homes in default, according to Realty Trac, an online marketer of foreclosed properties. Only Nevada's rate was higher.

Like other cities, Miami is trying to ease the problem. Officials launched a foreclosure-prevention program to help homeowners who have fallen behind on their mortgage, with loans of up to $7,500 per household.

The city also recently passed an ordinance requiring owners of abandoned homes — whether an individual or bank — to register those properties with the city so police can better monitor them.

Elsewhere around the country, advocates in Cleveland 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.

From shelter to home
In early November, Rameau drove a woman and her 18-month old daughter to a ranch home on a quiet street lined with swaying tropical foliage. Marie Nadine Pierre, 39, has been sleeping at a shelter with her toddler. She said she had been homeless off and on for a year, after losing various jobs and getting evicted from several apartments.

"My heart is heavy. I've lived in a lot of different shelters, a lot of bad situations," Pierre said. "In my own home, I'm free. I'm a human being now."

Rameau chose the house for Pierre, in part, because he knew its history. A man had bought the home in the city's predominantly Haitian neighborhood in 2006 for $430,000, then rented it to Rameau's friends. Those friends were evicted in October because the homeowner had stopped paying his mortgage and the property went into foreclosure.

Rameau, who makes his living as a computer consultant, said he is doing the owner a favor. Before Pierre moved in, someone stole the air conditioning unit from the backyard, and it was only a matter of time before thieves took the copper pipes and wiring, he said.

"Within a couple of months, this place would be stripped and drug dealers would be living here," he said, carrying a giant plastic garbage bag filled with Pierre's clothes into the home.

He said he is not scared of getting arrested.

"There's a real need here, and there's a disconnect between the need and the law," he said. "Being arrested is just one of the potential factors in doing this."

Miami spokeswoman Kelly Penton said city officials did not know Rameau was moving homeless into empty buildings — but they are also not stopping him.

No actions to stop
"There are no actions on the city's part to stop this," she said in an e-mail. "It is important to note that if people trespass into private property, it is up to the property owner to take action to remove those individuals."

Pierre herself could be charged with trespassing, vandalism or breaking and entering. Rameau assured her he has lawyers who will represent her free.

Two weeks after Pierre moved in, she came home to find the locks had been changed, probably by the property's manager. Everything inside — her food, clothes and family photos — was gone.

But late last month, with Rameau's help, she got back inside and has put Christmas decorations on the front door.

So far, police have not gotten involved.

Related