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Important for Oregon homeowners struggling with mortage payments

12/28/2011

The Oregon Housing Stabilization Initiative -- a program that can make up to a year's worth of mortgage payments for you, if you have suffered a drop in income -- is opening a new pilot to serve Lake and Klamath Counties now, and then rolling out statewide in early 2012. If you are having trouble paying your mortgage because of income losses or job losses, you might qualify for OHSI assistance, which comes in the form of payments that are then forgiven over five years. Thus, when all is said and done, you might have a year of payments made and wind up not having to pay them back. It's worth checking out to see if you qualify, and you can sign up to be on the email list for more information.

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The Crisis in Legal Aid (Essay reposted from Max Gardner)

12/27/2011

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   I have been working for months now on a project that has the potential to provide ample, sustainable, non-general-revenue funding for legal aid services so desperately needed by ordinary folks in Oregon these days, as Oregon and the feds keep cutting their support, and more and more people are ground up by the legal system simply because there is nowhere for them to turn. Imagine if the $13 BILLION that the big banks made reinvesting money lent to them at near-zero interest by the Feds had gone to support legal aid services.

   (That's right, banks got huge piles of free money from the Feds at the Federal Reserve discount windows and then turned around and LENT that same money back to the federal government at interest, using the profits to pay bonuses that already exceed the pre-crash-year bonuses of 2007 and 2008. Whoever said there is no free lunch meant "for real people" -- because the banks sure as hell have enjoyed a lavish free endless banquet at our expense.)

     Stay tuned here this year, I hope to have good news on this front in 2012. Meanwhile, a good essay by a top consumer lawyer.

Equal Justice under the Law
An Essay by O. Max Gardner III

As consumer lawyers, we are trained to believe that our legal system should be fair - equal justice under the law - yes, the same law and the same order for all of us. But, for those of us in the trenches doing mortgage defense litigation or representing consumers in bankruptcy cases, we all know that there has been one set of rules for us and another set of rules for the banks and the law licenses they rent. . . .

The truth of the matter is that we have been playing on a field that has been tilted about 90 degrees in favor of the financial institutions for decades. But, the truly astounding fact is that we are still playing. We are still in the game. And, somehow, someway, we score a few touchdowns now and then, hit a few field goals once in a while and sack the quarterback once in a while. In fact, we have scored more points in the last year than in the last five years combined. So, the bottom line for us as this year comes to a close is that there is hope. We have made some real progress. We have opened the eyes of many judges and many more trustees. We have taken our true facts to the media and many reporters have seen the true light and have written about it. David J. Stern is no longer in business and a lawyer by the name of Baum no longer has his truly scary foreclosure mill in New York. And, we have accomplished all this while running either uphill or downhill on every single play.

But the truly sad and indeed bad news for our system of justice is not directly related to us but to the hundreds of thousands of Americans who do not have any level of legal representation. It is not fair and there is really no hope when an untrained and non-represented consumer must go into court alone. As hard as the battle is for us, the trained lawyers, what about the family that goes before a judge alone in an effort to avoid a foreclosure on their home? I mean these folks don't have chance in hell of winning. I have a better chance of winning the Mega Millions or the Powerball lottery than these consumers have of avoiding the demurrer or the motion to dismiss. The bottom line is that the right to have your day in court should not depend on whether those in need can afford to retain an attorney. But this is how it is in our America. Money talks and the rest of us walk right out of the courtroom with a signed dismissal order. Civil legal assistance to low-income people has been available in the United States since 1967 but always with shoestring resources.

For many years, any mode of representation for the less affluent has fallen on our legal services programs. But, the second Great Depression has hit beyond the families that legal aid organizations serve - it has also struck a severe blow to the organizations themselves and the funding they must have to do their work. On November 15, 2011, the United States Congress cut $56 million from the Federal Legal Services Corporation for next year. As a result, federal support for the specific purpose of providing legal services to low-income people will drop by 15 percent in 2012. But, the full picture is even worse. Federal legal services funds for all programs were already cut by hundreds of thousands of dollars this year....

And, remember, this is not just about the unrepresented consumers or about the judges and trustees we deal with every day but about saving our system of justice and due process from the unprecedented level of fraud and the endless lies of the creditors and their lawyers. In short, it is time for us to clean up the biggest national crime scene in the history of these United States of America. Law and Order must be restored and our system of just must be preserved. The torch is in the air and like it or not we are the only ones left to catch it!

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Hopeful sign for student loan borrowers

12/21/2011

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Thanks to our Champion in Congress, Rep. Hansen Clarke, Student Loan Borrowers finally have good reason to hope this holiday season: that real help is on the way!

Please take a moment of your time to watch Congressman Clarke's brief, yet inspiring remarks on the House Floor yesterday by clicking here:

http://www.youtube.com/watch?v=TaStPo-aPHg

Amidst all the chaos and dysfunction in Washington, D.C. these days, especially yesterday, at least one Member of Congress goes to work each morning and returns home each night with the plight of student loan borrowers at the forefront of his mind. And, thanks to the more than 650,000 people just like you who signed the petition supporting Rep. Clarke's efforts, your voices ARE being heard!

Keep the faith, and please know that your active participation in this movement is making a difference.

Please share this video far and wide and, together, let's make sure that all student loan borrowers begin to feel that sense of hope during this holiday season that real change is on the way!

Thank you, as always, for your continued support. From ForgiveStudentLoanDebt.com to all of you - Merry Christmas, Happy Hannukah, and a Happy, Healthy and Hopeful New Year!

Sincerely,

Robert Applebaum
Founder - ForgiveStudentLoanDebt.com

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Danger: New Phishing scam

12/19/2011

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The scams known as "phishing" -- luring people into revealing information necessary to steal their identities or otherwise harm them online -- are many and varied.

But they all start with a common element: getting you to go someplace you shouldn't and to start typing in information that the phisher/scammer needs to spoof your identity.

This latest one is a new variation for me. It appears to be a warning of excess mailbox storage usage -- but it's actually just hoping that I will click on the link and start giving my digits.

Remember, no reputable service provider will need you to give that kind of information to them -- if they are actually your service provider, they already have it. Anyone asking you for account information who contacted you (instead of the other way around) is likely trying to harm you.

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Speaking of gratitude

12/10/2011

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John Gear Law Office opened in September 2010. Thanks to the many clients I've been able to help since then, the doors are still open and I'm able to share some of my good fortune with others -- so thanks to you all. All of these organizations (scroll down) merit your consideration and your support if you are looking for places where your shared good fortune will do some good. And all those icons are hotlinked -- they'll take you right to the page where you can make a gift of support.

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Important for Oregon homeowners struggling with mortage payments

The Crisis in Legal Aid (Essay reposted from Max Gardner)

Hopeful sign for student loan borrowers

Danger: New Phishing scam

Speaking of gratitude

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