Since 2006 we have auditing and reporting mortgage fraud and predatory lending in our area, the Antelope valley to ALL related Local, Federal and State Agencies* and the ONLY responces we got were: "this is not our jurisdiction" "this is civil matter" there is no fraud" "we are still researching applicable laws" "you signed it , it's your fault" "is this a report from that crazy guy from Avenue S" "that's how loans really are" "sorry to hear your problems, we cannot help" and the list of denial goes on.

Now, published in the LA Times real Estate Blogs:

Antelope Valley, California 2008-2009

ZIP code throughout Southern California in the first quarter of 2008, so that you can see where the foreclosure problem is most acute, and where it is least evident.

We've calculated foreclosures per household (technically, the other way around: households per foreclosure) to correct for varying populations in different ZIP codes.

A sneak preview: The 10 L.A. County ZIPs with the highest number of foreclosures in 1Q 2008, and the percentage increase from 1Q 2007. Source: DataQuick Information Systems. These are for single-family detached homes.

1) Lancaster 93535     345   392%
2) Palmdale  93550     323   487%
3) Lancaster 93536     255   467%
4) Palmdale  93551     198   421%
5) Palmdale  93552     179   442%
6) Lancaster 93534     146   329%
7) Sylmar     91342      142   426%
8) Norwalk    90650     129   361%
9) Pacoima   91331     105   483%
10) Reseda  91335      101  321%

These are some of the victims of this statistical report:

Give the human being that really suffered a call (free). Not like  the banks who cried for 700 Billion $$$ of taxpayer money.

Christina and Frederick Davila 661-860-7144
Ashley Stewart 661-480-5091
Sam and David Palmer 805-480-1848   805-480-1121
Cindy and Pedro Chong 661-361-3152
Alex and Salvador Castillo 310-710-3074
Lois Washington 661-466-8700
Barry and Ana Benjamin 661-946-7090   661-406-0695
Mike and Tina Mullings 661-951-0561
Pam Glass 661-946-5976   
LeRita Teverbaugh 661-547-3515   661-206-7341
Julio Benitez 661-951-3625
Willy Bailey 661-206-9445   661-802-6807
Katerino and Maria Sandoval 310-531-4416
Toi Juan and Marlena Shannon 323-899-2154
Maria and Pablo Mojarro 661-728-8498   661-272-9292


* reprted to agencies:

House Committee on Financial Services Subcommittees:
  Financial Institutions and Consumer Credit, Housing and
  Community Opportunity, Oversight and Investigations)
- IRS-CI (Internal Revenue Service- Criminal Investigation)
- FBI- White Collar Crimes Supervisor (Mortgage Fraud Division)
- Federal Trade Commission
- Department of Justice
- Department of Corporations
- Office of Real Estate Appraisers
- Department of Financial Institutions
- Department of Real Estate Enforcement
- County District Attorney's Office (Fraud Division)
- Office of Federal Housing Enterprise Oversight- HUD
- Your Lender and  Bank Regulator (OCC, OTS, FDIC)

* anyone in this list and more not included can show a return receipt fro the United States Postal Service

No man is above the law. You owe the  public an apology.

Fellow citizens of the world, what are your thoughts about this if the implications were real? 

"actus non facit reum nisi mens sit rea"

Our President once told us:
In time of "clear and present danger," the courts have held that even the privileged rights of the First Amendment must yield to the public's need for national security.

 

 You can do better than that, at least let the people know what can be done better than hide and destroy hopes and dreams.

As a matter of fact your great grandchildren will remember you by the choices you make that made their lives the way it shall have been.

It's never too late. 

"Common sense will tell us, that the power which hath endeavored to subdue us, is of all others the most improper to defend us."
                                                                          - Thomas paine, 1776

We all know the problem, we all see what's being done about it. It's about time people made a stand.

Our President would need all the help from us. Instead of asking lets start by doing something to make the lives of others better. Even simple things can make a world of difference to another. The problems we have are too great and time is too short.

 Chanting YES WE CAN and CHANGE WE CAN BELIEVE IN only creates noise but applied into care driven action becomes divine.

Dear President Obama,

2 things to quell our crisis:

1- Mandatory suitability and sustainability in  loan origination. 

2- Anticipatory repudiation of all exsisting bad loans/junk bonds and implementation of above aforementioned. 

(sequestration of illegitimate wealth needs to be given back to the FED consequentially decreasing public debt)

Our deficit is 10.6 Trillion and rising 3.4 Billion each day, we have nothing more to lose at this point by trying this simple  idea.

The taxpayer is paying for it,  so let the taxpayer decide. PUT A VOTE ON IT.
If this is done we will all see an immediate turn around of our crisis

This is only my idea i feel would be best for the people, the economy and the world.

Even if this doesn't get heard or read at least it was suggested once.

Congratulations Mr. President. 

violations (FRAUD), means the lender must buy back the loan.
 

Our area in the Antelope Valley, California has been recorded as having the top zip codes hardest hit by foreclosures. Not just the top spot but also 2nd, 3rd, and 4th.
( http://latimesblogs.latimes.com/laland/2008/04/where-the-forec.html )
For the past 2 1/2 years of mortgage loan auditing uncovering and reporting fraud to ALL related Federal and State agencies, nothing has ever been done.
This is a partial list of who we have helped that have not been attended to by public authorities.
Change is what we have been struggling for since but it has always been met by a wall of denial.
These peole need to be heard. Even a single phone call from you wll give them a flicker of hope.

 Lets all welcome our new President by telling hime and his cabinet what we can do individually to make the lives of others better. For once lets have them hear something different this time. Starting within ourselves is an excellent start.
Go out and help someone.
Welcome, President Obama.

Do you think someone really is listening? If they did, then we would not be in so bad a position. This is a joke. Issues being brought up shows you the degree of insanity that makes our deficit look normal, sending our troops out  to die a necessity, create  Ponzi's like regular real estate, Mortgage fraud/predatory lending a" civil matter" to name a few.
Well if this is the way it goes I sure as hell would rather die labeled crazy in their world.