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Wednesday I attended a forclosure

by: piggieheart

Fri Jun 22, 2012 at 22:48:52 PM CDT


Howdy, LIAers. I've been pretty busy getting moved into my new house, getting to know my new neighbors and getting the Alabama house in shape to sell. Wednesday morning, noticing a huge furor in front of the house in Pensacola, I stepped out to see why there were three police cars, three pickup trucks and several professional looking types in business dress standing around in front of my yard.

I kinda wish I had stayed inside. The lady in one of the pickups explained that she is the owner of the house across the street and is being evicted due to a forclosure. Having worked for several sheriffs in my life, I understand that there is a requirement that they execute eviction orders, regardless of personal felings. The problems I had were not with the sheriff or the general concept of foreclosures, but with the way these things are being done in today's world. -more below-

piggieheart :: Wednesday I attended a forclosure

She explained to me that the loan on her house has recently been sold twice, so that by the time the third mortgage company got involved, she had already made payments to the other two and didn't even know the loan had been sold again.  She said she knew she was behind on payments, but part of that was because of payments made to the wrong company.

I'm no innocent, so I know people lie. I assume she was probably way behind and it probably was not all the fault of other people. The part that got me cranked up is that she had been given no notice that the eviction order was coming.  She had no opportunity to pack up several years of accumulated furniture, clothing, antiques, knickknacks, and all the rest. At the appointed hour a crew of three young men and two women started hauling her stuff from the house and piling it out by the street. In fairness, I have to say that law enforcement asked them to wait until she could send her husband for a U-Haul truck, and they did wait an hour or so. Nonetheless, her stuff was piling up by the time the truck arrived.  With her and me moving things over into my yard, quite a bit crossed the street to safety.  Then a neighbor next door offered her yard and we just moved things a few yards to the neighbor's.

No one will be shocked to know that I was geting pretty pissed off at all this, and I said to the owner (I think of her as the "victim"), "There isn't enough money in the world to hire me to do what these guys are doing". One of the women in the crew heard my comment and I was confronted by her angry husband, demanding that I keep my mouth shut and not talk to his wife. I told him I had not spoken to his wife, nor to anyone in his crew, and he advised me that I was not to say anything like that again or I would be required to leave and stop helping the victim. I have no idea if he truly had the authority to restrict my presence there, and I knew the lady really needed my help so I swallowed my anger and  nodded.  He then said "You think we like doing this?" Hey, that gave me an opening, so I said, "I can't read your heart, man, I just know you are doing it".

He appeared flustered, but remained hostile toward me, shooting me mean looks, etc. But the cool thing is he instructed all the crew to start placing the items in the neighbor's yard, where they would be safe.  At that time I had to go pick someone up at the airport, and told the neighbor lady goodbye.  The U-Haul was pulling up right then and I knew her things would be safe.

I wish I could say I was a better person than I am, but I couldn't just walk away, so, as soon as I was off the foreclosed property, I turned to the crew-boss and said "There still isn't enough money to hire me to to put people's belongings out on the street. I couldn't live with myself"!  He took a couple of steps in my direction, but he must have had some idea what it would look like...a thirty year old body builder type punching out a seventy year old Good Samaritan... so he walked away.

This is not a typical diary, but it sure was a wakeup call for someone who has considered foreclosures, repossesions and evictions mostly from a theoretical point of view up to now. Things have to change, y'all.  Maybe our vote for Obama and every Democrat on the ticket is the only thing we can do right now, but let's at least do that much. Let's take our nation back.

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I have mixed feelings about this (4.00 / 1)

When my dad first moved back to what became my home town, he took a job as a prison guard. He hated it. But there were no other options, and the had a hungry baby at home. In this economic climate, there are likely people doing ethically suspect jobs, like these folks. And maybe this is just one part of the business that they contract for. I don't know. But I do know, as someone who grew up on the wrong side of the tracks, that a lot of people have jobs they don't like, don't believe in, don't want to do.

 

It's easy to take the moral high ground when you've got yours. 



You don't know me, profindagump, or you would know (2.00 / 2)

I am not what you would describe as "When you've got yours". I am living on Social Security and a tiny pension from the state. My point is this: the guy actually said "Somebody's got to do it", which is a pretty common response, but it is probably the response the storm-troopers said when ordered to place homosexuals, Jews, Gypsies and others into death chambers in Germany. We cannot avoid personal responsibility for our actions by blaming a bad economy.

I feel strongly that police officers beating down "Occupy" protesters fit into the same category. "I am doing what I was told to do" was rejected as a defense at Nuremberg and is no less reprehensible today.



Only after the last tree has been cut down. Only after the last fish has been caught. Only after the last river has been poisoned. Only then will you realize that money cannot be eaten. Cree Nation Tribal Prophecy

[ Parent ]
I was being polite (0.00 / 0)

At 70, and as a pensioner moving to Flordia, I first thought to write "you've had yours." At your age, and under your circumstances, moral outrage comes more cheaply than it does for someone who must earn to support a family or the hope of one. No one depends on you, and you have little enough to lose, so you can judge and fulminate as you like.

Granted, I did not witness what you witnessed, but the comparison of movers empying a foreclosed house to the Nazi "final solution" seems the most extreme, empty, and foolish hyperbole. Even the comparison of these movers to policemen beating protesters seems to me not only disrespectful to working class people who may well need the job but to the victims of those police beat-downs.

Rather than smugly condescending and sneering self-righteously at those movers, you might well have asked them why they were doing the job. You might have learned enough to either prove your suspicion that these are latter day Eichmanns or that they are only a payment or two away from foreclosure themselves. Who knows?



[ Parent ]
Regrets (4.00 / 1)
I regret my tone and my initial posting.  I do strongly disagree, but there's nothing to be gained by disagreeing, nor from poking you in the eye. If there were a delete button, I'd use it on both posts.

[ Parent ]
I'm conflicted. (4.00 / 1)

I recently read a letter from a guy who said he worked a an animal gas chamber tech...he herds these defensless animals into a gas chamber. He hates the job, is guilt-ridden, and does his best to give these poor creatures some human kindess by feeding them the night before, spending 5 minutes petting and loving them.  He said it was the only job he could get and has to support his family.  After a year of unemployment, I understand the desperation, but I could never-ever do this job.

I couldn't buy a foreclosed home.  To me, that's benefiting from someone else's misery or misfortune.  But hundreds, if not thousands, of people are able to purchase homes because of foreclosurves.

I couldn't do the "moving" man's job.  My heart would break.  But if not him, who? Maybe it's the only job available. 

The only good thing in your story, other than your actions, PH, is that after the confrontation, at least he moved the property into the neighbor's yard.  The man either had a heart or a guilty conscious and you made him aware of that.

 



Great to hear from you, PH! (4.00 / 1)

Glad to hear you're settling into the new neighborhood.

I love you for the way you handled the tragedy across the street.  The easy thing would have been to close the door and watch TV while that sad drama played out.  A goodly percentage of us might have been concerned enough to help the woman move her things to safety.  Some of us might even have been outraged enough to provoke a scuffle.  What you did was so much better.  

You helped the person in need and you made the folks turning her out see her as an actual person, with real needs and feelings, and also think about their role in the foreclosure mess.  Maybe they'll try harder next time to make sure the victim has a chance to get out before they take his or her home.

The lady who owned the house knows there are still good people in the world because you helped her, and I guarantee the foreclosure crew will be thinking about the morality of how they make their living because of your words.  Maybe they can't do much about it, but we can always hope.

As for the lady's story about making payments to companies that no longer owned her mortgage ... it's certainly possible.  Occupy Birmingham helped save a home for a family who had been making payments -- on time! -- to the wrong person. 

Almost a third of all home mortgages are underwater.  That's really scary to a generation that assumed home ownership was a safe place to put your money.  Even scarier is the degree of foreclosure fraud on the part of lending institutions -- here's a link to a Florida foreclosure fraud site.



Work harder and work smarter!

Thank you mooncat; I will always miss the friendship (4.00 / 2)

and insightfulness of my cat-friends.

I was very angry after the exchange, but a couple of hours later realized I had acted like an adult and actually accomplished something.

 



Only after the last tree has been cut down. Only after the last fish has been caught. Only after the last river has been poisoned. Only then will you realize that money cannot be eaten. Cree Nation Tribal Prophecy

[ Parent ]
Ain't it great? (4.00 / 2)
At our age, to look around and realize that we are the adult in the room.  And even better to find we're acting like it.

Work harder and work smarter!

[ Parent ]
Thank you mooncat; I will always miss the friendship (4.00 / 1)

and insightfulness of my cat-friends.

I was very angry after the exchange, but a couple of hours later realized I had acted like an adult and actually accomplished something.

 



Only after the last tree has been cut down. Only after the last fish has been caught. Only after the last river has been poisoned. Only then will you realize that money cannot be eaten. Cree Nation Tribal Prophecy

[ Parent ]
what you gonna do? (4.00 / 1)
piggieheart, "ya dun good," as someone once told me many years ago.

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