Saturday, May 5, 2012

Foreman Family vs. Bank of America -- The Foreclosure Chronicles

Today is May 5th. This is an update.

Bank of America agreed to (their word) "escalate" my case. Well, folks, they escalated it into a bill for seven months in arrears. Understand, in nearly 348 payments, only one has ever been lost in the shuffle due to a bank error. Throughout the modification process I continued to pay every penny asked of me. There was no question I was paid up, so please explain to me why I'm seven months in arrears? The bank couldn't have put us in a more dangerous and exposed position. Seven months in arrears? Horseshit.

We need to keep up the pressure. It may not always get the intended result, but they do respond to it. We've been assigned a new customer relations person who seems to be quite aware of the power of social media. His name: Julio Esparza, (o)(213) 345-6243, FAX (866) 882-0975. Let him hear from you even if you've already signed, sent, and/or called. JULIO ESPARZA. Right now, he's the ears of Bank of America.

Senator Gillebrand, Congressman Gibson, New York's Attorney General, and the Consumer Finance Protection Bureau (CFPB) have all launched investigations. Our local bank managers, both in LA and NY, to their great credit, are helping as well.

If you haven't signed our petition, please do so. It won't cost you anything nor will it hurt your reputation. Come on. Sign it and pass it on. Signatures are coming in from all over the United States. Make yours one of them.

The petition address is as follows:

www.change.org/petitions/the-foreman-family-vs-bank-of-america

Sunday, April 22, 2012

Foreman vs. Bank of America -- The Foreclosure Chronicles

Many of you have asked what you can do. My answer is to generate as much publicity as possible. Make my letter to Mr. Moynihan go viral. I’ve written a short letter for you to use as a template, and I’ve listed four people to start with. Their names and addresses follow. Of course, you may amend this note any way you deem fit and send it to anyone else you think might help.

Julio Esparza (currently the rep on my case)
B of A
213 345 6243
FAX (866) 882 0975

Catherine Mack
Bank of America
Office of the President & CEO
Catherine.unlikenancy.mack@bankofamerica.com
Phone 877 471-4367 ext. 227943

Rebecca Symes – Senator Gillibrand’s office
212-688-6262
FAX 866-824-6340

Ridge W. Harris – Congressman Gibson’s (20th District, NY) office
518-610-8133
FAX 518 610 8135
Intern.kinderhook@mail.house.gov
also
ann.mueller@mail.house.gov


LETTER OF SUPPORT

Dear_____________:

This is a letter in support of the Foreman family in their battle against Bank of America to keep from losing their home. We believe Bank of America’s action in this case to be part of a wide pattern of exploitation of homeowners who find themselves trapped in the bank’s financial scheme. Thousands of homeowners are at risk because of this. We believe the bank’s actions to be immoral and unethical. Our support for the Foreman family stands strong.

Thank you.

The following web address

-- http://www.consumeraffairs.com/finance/ba.htm --

will take you to nearly 2,000 complaints against Bank of America. If you read them you'll begin to see a common pattern emerge. There are thousands of people trapped in this financial web that endangers the most valuable thing they own -- their home.

Take a look.

Foreman vs. Bank of America -- The Foreclosure Chronicles

“I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around [the banks] will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.”
- U.S. President Thomas Jefferson, 1801-1809

FOREMAN FAMILY vs BANK OF AMERICA ----- Talk about your David & Goliath! My family is in the thick of it. I've never understood Franz Kafka more than I do now. The situation is sheer lunacy, but what has become obvious is that it is a pattern of banking perpetrated against thousands of customers. My congressman's office alone is pursuing over thirty investigations. Astonishing. People have had their homes auctioned out from under them, and only learn of this action when they receive an eviction notice. Homes that enter into the Home Affordable Modification Program put forth by the Obama administration, even those granted the reduction, are in terrible danger of being ensnared in B of A's tentacles, undergo an endless waiting period full of delays,rack up fees,and then lose everything. Bank of America tells me there is no appeal because Obama's program doesn't provide for appeals. Can this be true? I report what I'm told.

Read on and learn how deeply cancerous this problem is.

“History records that the money changers have used every form of abuse, intrigue, deceit, and violent means possible to maintain their control over governments by controlling money and its issuance.”
- U.S. President James Madison, 1809-1817


“Unless you become more watchful in your states and check the spirit of monopoly and thirst for exclusive privileges you will in the end find that... the control over your dearest interests has passed into the hands of these corporations.”
- U.S. President Andrew Jackson, 1829-1837


“I see in the near future a crisis approaching that unnerves me and
causes me to tremble for the safety of my country… corporations have been enthroned and an era of corruption in high places will follow, and the money power of the country will endeavor to prolong its reign by working upon the prejudices of the people until all wealth is aggregated in a few hands, and the Republic is destroyed. I feel at this moment more anxiety for the safety of my country than ever before, even in the midst of war.”
- U.S. President Abraham Lincoln, 1861-1865


“This a government of the people, by the people, and for the people no longer. It is a government of corporations, by corporations, and for corporations.”
- U.S. President Rutherford B. Hayes, 1877 – 1881


“Corporations, which should be carefully restrained creatures of the law and servants of the people, are fast becoming the people’s masters.”
- U.S. President Grover Cleveland, 1885 - 1889


"The real truth of the matter is… that a financial element in the large centers has owned the government of the U.S. since the days of Andrew Jackson."
- U.S. President Franklin D. Roosevelt, 1933-1945

PLEASE PASS THIS ON!

Saturday, April 21, 2012

Foreman's Blog -- The Foreclosure Chronicles

Brian C. Moynihan, CEO
Bank of America
Charlotte, North Carolina 28202

April 19, 2012

Dear Mr. Moynihan:

I have been a writer all my 71 years, twice published as a novelist, produced as a screenwriter, teleplay writer, and playwright. At one time I made too much money in Hollywood, and now I make too little in Greene County. My wife and I have struggled to make a living but we’ve made it, and raised two fine children who call our place home. We have an old farm in upstate New York that our son and his bride intend to work again. My daughter lives in Boston but is rooted here. It’s a comfort for her to know she’s always got a home. My grandchildren will be raised here. We have holy places on our mountain, special places where trees have grown, ashes have been scattered, ginseng has been found, deer have fallen. Now I’m looking at the end of all this? My life has suddenly taken on the most ghastly elements of reality TV: Bank of America has me in a death grip. It is an ironic tale, and horrifying, and has been thrust upon my family like a blitzkrieg. I am a Greene County, New York resident of more than twenty-eight years, and now I wake up every morning faced with the nightmare of losing my home. Please listen.

What follows, noted by bullets, is a summary of my situation.

· In the Summer, 2010, I applied for Home Affordable Mortgage Modification through Bank of America. B of A was not my original lender but bought my mortgage from Countrywide who bought it from the original lender shortly after it was granted. I felt somewhat swindled because I hadn’t chosen them in the first place. Nonetheless.
· I was not in trouble with my mortgage at the time of my Home Affordable Modification application, but I wanted a better interest rate. My interest rate was then at 7% and the current rate was 4%. With the exception of a single glitch many years ago when a payment was paid forward instead of backwards, I have paid my mortgage faithfully for twenty-eight plus years. My mortgage when I began the process of modification was $1,842.60/month.
· Shortly thereafter Bank of America paid my insurance and yearly taxes. I did not request this but figured I was certainly on track for a modification.
· I was approved for modification twice. Two times. The process took a year and was nerve wracking. Mistakes were made but we got through it. Except for the exorbitant balloon payment ten years hence, the modification was fine and I accepted it. It included my taxes and insurance. After years I was finally getting my finances under control.
· Was told via phone telephone call that all my documents were in place. It was on a day early in April when my usual customer relations person was off. My usual customer relations manager is Jennifer Rainey, 800 669 6650
· April 13th – Informed I was rejected due to a typographical error. While the notary had the correct date, 4-10, and it was faxed on 4-10, I had mistakenly written 8-10 instead of 4-10 under my name. My wife had no date at all under hers. Document is enclosed.
· Because of the rejection my mortgage has skyrocketed by more than $600 and will go up even further to a figure that, I was told, the bank will reject – in the neighborhood of $2,800 --which means, even if we found the means to make the payment, we won’t be approved and we will lose our home. Can it be there is no appeal for a typo?

Sir, can you believe the irony of this situation? I don’t need to tell you this is truly a waking nightmare. How does it happen that I apply for a home affordable modification, get it, and wind up losing my home when originally I was in no trouble whatsoever? My family has worked hard to stabilize our finances, and now this. Why does Bank of America need my house? You, sir, can pick up the phone and rectify this situation for me, and I pray you will do so.

You should also know that Senator Gillebrand’s (NY) and Congress Gibson’s (20th District, NY) offices have both launched investigations as has the Consumer Financial Protection Bureau, and the executive editor of Rolling Stone has passed my information to Matt Taibbi. I also intend to publish this letter on my blog. Friends will take it from there. And I do have a lawyer. Mr. Moynihan, this is simply too important to not meet the crisis head on. You’re a hard charger. You must know that!

Please, sir, make that phone call!

Respectfully


Stephen H. Foreman

shf@wildblue.net

Thursday, December 22, 2011

WHAT KIND OF JEW PULLS A TRIGGER? -- part 3

Sam Hermanson, butcher by trade, saw this mountain country as a business opportunity and accumulated enough cash to buy a piece of property in the new world. This was where he decided to set up shop. North Fork, West Virginia. He would not budge, and here, finally, is where the Hermanson side of the family settled, and here also is where the narrative pretty much runs out, replaced by snippets and snatches of hearsay and recall. Katie Rose, my grandmother, mother of Elizabeth and five other children, Katie Rose and Samuel Hermanson were newly married before he left the Pale. Eventually, she joined him in West Virginia, and a flock of Jews descended on North Fork, most related to them both. I know very little about them other than there was a cousin so ugly she was called “Scheine der Monkey”, beautiful like a monkey, and there was the time my grandfather and his buddy, Chiel Shorr, were chased by robbers. Sam jumped over a downed tree trunk and dropped to the ground behind it, hiding himself from view. Chiel had no place to go but over the log and on top of my grandfather where they both hid, stacked, until it was safe to stand again. Chiel Shorr had been so scared he peed all over my grandfather. Of course, Uncle Milton, who would have told me this story, would never have said the word “pee”. He probably said, “Make a shoosh” which is how that particular function was described in my family, as in “Do you have to make a shoosh?” When I was growing up a mother across the street called it “tinkle” as in, “Go tinkle” which horrified me. Shoosh! Get it right. How hard is that to say?

My grandmother, besides raising children (one of whom, a boy, died at an early age, two, I think), cooked and served kosher meals in her house to the Jewish peddlers who passed through the region. My mother emphasized that her mother had servants in West Virginia, and my best guess is that they were “shvatzas” from Cinder Bottom, the Negro section of town. I get the feeling Nana had airs. Certainly, Elizabeth, her fourth child, did.

Katie didn’t take to life in North Fork. One doesn’t hear that Sam had any complaints. His butcher shop was successful but she wanted to move up to Baltimore where favorite relatives lived, like Tante Pesha and Sheine the Monkey. My grandfather didn’t want to leave, but the fire changed all that.

The town fathers concocted a secret plot to make a fortune. They planned to take out fire insurance then burn down the town, collect, get rich. Why I do not know, but my grandfather didn’t want anything to do with it. He was the only merchant in town who didn’t buy fire insurance. A gross miscalculation. One night the town burned down. Everyone collected. My grandfather was wiped out. To make matters worse, he was drunk the night of the fire. People tried to help him. They’d go into the shop and bring all the tools and furniture out whereupon Sam dragged it all back in. This is how my mother, Elizabeth, remembers it. The other thing she remembers was being carried across a bridge at night away from the fire. She would have been four.

The only place the family could go for help was Baltimore, and that’s how we got there. A man who spoke eight languages but could not read one was never again a success in business. I posit no cause and effect, just a simple truth as I received it. Sam wanted to go back to West Virginia, but Katie wouldn’t go with him, so they stayed in west Baltimore on Holmes Avenue, a brick, row house. Whenever I visualize the house I see my grandfather, sloppy drunk, staggering home on the sidewalk, supported by another man who for some reason I picture as Italian. Later that day he was found upstairs on his knees with his head in the gas oven, just in time. My mother is ninety-seven and still wishes she had named me after him. Samuel. Stephen. Samuel. Stephen.

I like my own name better.

Tuesday, November 22, 2011

WHAT KIND OF JEW PULLS A TRIGGER? -- part 2

My grandfather, Louis, my father’s father, chose to leave Russia instead of serving in the Tzar’s army. He would have been about fifteen, and he traveled with a brother, whether older or younger I don’t know. Also, I don’t know my grand uncle’s name. What I do know (although I don’t know how I know) is that the two brothers decided to separate, my grandfather to stay in Baltimore, and my grand uncle to go out west and look for employment with the railroads. There must have been some correspondence between them because the story goes that my uncle actually did get work with the railroad. First payday came, but as the list was called out my uncle realized his name had been omitted. Same time he noted one of the names called belonged to a dead man he’d seen dead with his own eyes. Uncle’s hand shot up in the air, and the pay envelope went right to him. He took the dead man’s name as his own, so, right then and there, a whole chunk of family disappeared down the rabbit hole of immigration history.

My grandfather, Samuel, my mother’s father, is the root of another story. I tell you this as it was told to me by my Uncle Milton, the first scribe in our family. These were coalfield Jews, part of an immigration wave that came over from the Pale of Settlement in eastern Europe throughout the fourth quarter of the nineteenth century and settled in southern West Virginia, North Fork, to be exact, a small town on the north fork of the Elkhorn River. The Pale where Jews were forced to live by law included Lithuania, Poland, and western Russia. The way my family got to West Virginia was a love story, sort of, perhaps in the manner of one written by Isaac Bashevis Singer, “Enemies: A Love Story.” Here at last is the Hermanson version.

Somewhere in the vicinity of eastern Lithuania and the Russian border (what today is Belarus), love bloomed between my grandfather’s brother, Mischa Lazar, and Tante Pesha, a distant cousin and the daughter of an important man. According to Uncle Milton, their love was like a flower: it budded, it bloomed, it died, it rotted. Again, according to Uncle Milton, Mischa Lazar was a shlemazel, not to be confused with a shlemiel, the difference being that the shlemiel spills the soup on the shlamazel. Soup, Soup, Soup, Soup, Soup! One spilled soup too many and Pesha became a raving maniac, shrew of shrews, a bite like a weasel. She tore into him from tooth to tuchos. If people were around (as they usually were), she implored them to see how cursed she was: Mischa Lazar, the dunce, the dim, the damned. Who didn’t hear her?

One day Mischa Lazar disappeared, vanished as if he’d never been. Dogs were brought in. Trackers sent out. No sign. No sign never at all. It was assumed he was set upon by robbers and no doubt smoldering in a shallow grave by now. Pesha herself was sure of this. Ever since he disappeared she’d been getting chills in bed at night that meant a ghost walked over her grave. Who else could it be but him, that despicable lowlife, that “vantz”, that “shtucke drek?” But, the chills abated, and the days began. Days. Weeks. A month. Two months. Nothing. And then. Something. Word came back from a distant town, Vitebsk, that Mischa Lazar had been spotted, so the family sent my grandfather, Samuel, to bring him back. Samuel actually found him in Vitebsk (a town of some size) even though Mischa Lazar did not want to be found, and wanted even less to go back to Pesha. How my grandfather persuaded him to return home I do not know, but within a week he took off again, stole a horse in the middle of a moonless night, and disappeared into it. Remember, Pesha’s father was an important man. A big shot. A man of influence. He thrust a fat wallet at my grandfather and ordered him to bring that “mamser” back. So, this time, Samuel tracks Mischa Lazar all the way to Scandinavia, Sweden, where it was. That’s how we got the “son” tagged onto our name. Hermanson. How hard could it be to find a Jew fresh from the shtetl in Sweden (long black beard, long black coat, muddy clodhoppers)? Well, Samuel found him again. That night Mischa Lazar produced a bottle of aqua vit, drank his brother blind, and took off once more. Samuel wired Pesha’s father for instructions. “Find him,” bellowed the important man. Pesha wailed that she missed her Mischa, but no one believed her.

This time Mischa Lazar’s trail led across the ocean. He did not enter this country through Ellis Island, we know that, and some think he might have come through the port of Galveston. If so, why go all the way up to Baltimore, because that’s where my grandfather found him next, rather, found of him next: Baltimore, Maryland; the Hebrew Free Burial Society. The name Mischa Lazar was on its books. No last name. A nobody. A doctor claimed the cadaver for his experiments. My grandfather took to his room at the boarding house for seven days without shaving or shoes and sat mourning on a low and uncomfortable stool, the Jewish way: he sat shiva. On the eighth day, Samuel took stock and decided here was a business opportunity.

Sam outfitted a peddler’s pack with notions, gadgets, candy, toys, overalls, and other assorted ready to wear clothing, nothing fancy, just good quality. His plan was to head south and sell his wares on the way with hopes of setting up a business whenever he got to wherever he was going. By trade he was a butcher. The pack weighed a hundred pounds, so my grandfather bought a horse, too. While piecing together the bits of information about my grandfather’s travels, I came upon the most surprising old photograph: a well dressed young man on horseback – clean shaven, jacket, tie, fancy boots – with a huge smile on his face and a cigar in the side of his mouth like a big shot. Both horse and saddle were fit and fine. This young man was ready for business. This young man was a pack peddler! Why was I surprised? Because for years I had carried the image of an older, bent over, rabbinical type with a beard and clothes from the old country who trudged the hills and hollows of the south peddling his wares. The young man on horseback was anything but that. He was sure, confident, ready for the world. “Here I am,” he seems to be saying, “Just watch me!” He had an uncanny resemblance to my Uncle Josh, Samuel’s first born.

Samuel traveled across Maryland and down into West Virginia, way down deep to the Tug River, just this side of Kentucky, feuding grounds of the Hatfields in West Virginia and the McCoys of Kentucky, right there across the river from each other. My mother was actually delivered by Dr. Hatfield from this same clan. Early into the fever that propelled the world into its first world war, Dr. Hatfield came across a Negro giving a stump speech about how the “colored men’s gonna get all the white womens when their mens be away at war.” Hatfield pulled his pistol and shot the speaker dead. That same Dr. Hatfield was shortly thereafter elected to the U.S. Senate.

Anyone who has ever fully experienced Elizabeth Hermanson, fourth child of Samuel, will understand the irony of this situation.

By the way, Sam Hermanson actually ran into Mischa Lazar again. He had paid the funeral parlor to have his name put in their books. Sam wasn’t looking for him, but there was Mischa Lazar in West Virginia with a peddler’s pack of his own.

“I’m not going back to that “chalerya” again,” Mischa Lazar told my grandfather,

“Go where you want,” said my grandfather, “I’m staying here.”

He did, and brought the family over to join him, the only kosher butcher in North Fork, West Virginia.

Friday, November 11, 2011

WHAT KIND OF JEW PULLS A TRIGGER? -- part 1

My father must have known the difference between a stool pigeon and a buzzard. He certainly knew the difference between a bob-tail and a jackass. However, he would not have known a wild duck from a canary, or a rack of antlers from a rack of lamb. Why then was I forever giving him birthday cards and father’s day cards that featured men of Anglo-Saxon character with sensible pipes clenched in their mouths and a smidgeon of grouse feather in their hatbands? If they were sitting in armchairs in their studies, there would be a brandy snifter on a side table. A fine double barrel would be displayed above the mantel. The men stared up and out yonder without blinking as they followed flights of mallards far above no doubt thinking of hunts past and hunts to come with their Eagle Scout sons whose names were followed by numbers.

Reuben Henry Foreman was not that man (and my Boy Scout career went south without ever going north). He smoked El Producto cigars, a five pack for a buck, drank a single shot of Four Roses in the morning and one again in the afternoon, put a quarter on the numbers every day, and was the only white man I ever saw read the “Baltimore Afro-American”, the city’s only Black newspaper. He didn’t do it for any particular reason other than he liked to read newspapers. If he could have read Chinese he’d have read a Chinese newspaper. One time I did see him with a book -- “The Rise and Fall of the Third Reich”. It was upside down in his lap, and he was asleep. The men depicted on the greeting cards I gave him read “Field and Stream.” If you had asked him, Ruby would have told you his firm belief, but if you never asked him you’d never know.

Many years after his death, Jamie and I went to Baltimore so she could meet my family for the first time. My mother kept some old photographs under a glass top cut to fit her bureau. Jamie called me over, pointed out a photo of my father, and asked, “Who’s that?”

How could she not know who it was?

“My father, J. Who d’ya think?”

“You never told me he was crippled.”

“Who’s crippled?”

“Your father.”

“My father was not crippled.”

“Is this man in that snapshot not your father? Come here and look at this,” she insisted and pointed to a frayed, black & white photo of my father standing there smiling at the camera. The metal canes with arm support attachments that he used are clearly visible. They made a soft, clanking noise, pocket change, when they struck the ground. He was never without them

“Yeah, what’s crippled about him?”

“He’s got crutches! Two of them.”

“Canes!”

“OK. Canes.”

“Thank you. He got around just fine.”

“Yeah, Stephen, the man in this picture might’ve gotten around just fine, but that doesn’t mean he wasn’t a cripple who did it. Look at him. If the man in this picture is your father then your father was a cripple.”

The man in the picture is my father is a cripple. That man. There. Got it?

Finally, I did. Wow, did I! I was well into my thirties, but, not until that moment, did I ever think of my father as a cripple. Trying to grasp it for the first time staggered me some. I had never even heard the word “cripple” used in our house. It wasn’t avoided. It simply wasn’t, as if the word were magically deleted from every book and magazine that ever followed us home. If the word occurred within earshot outside of the house, if it registered with me at all, I would never have associated it with any image of my father.

I’m trying to find words to describe my feelings as this information made its determined way through to the bedrock of my heart. Little by little I got it. If you wanted to change a single word and only one single word in a manuscript of thousands of pages, millions of pages, you’d start on page one, program your computer, and instantly it would adjust. He would be She. Her would be Him. Past tense would become Present tense. It might become You. You’d feel the change – register a ping on the radar -- but you’d go on, and everything will be what it is.

Many years later (not to mention many years ago), I sat in the Los Angeles Public Library in downtown LA at a carrel stacked with books doing chump change research for a textbook company in Virginia and fondly remembering those by-gone days when people actually paid me real money to write things. I needed a nap. It came upon me suddenly like mustard gas. My head went down, I’m guessing with a thunk. I was gone, bodily gone, time gone, Dorothy in the poppy field gone, nothing there gone. I was deep inside that silence when the pocket change sound of my father’s canes was suddenly as real and immediate as it had ever been. My father was here, there, right next to me – Where? -- and what was happening instead was that an old woman with two metal canes was walking by. My father had never been more real to me than in the instant it took for my eyes to open. I heard him. He was there.