Posts Tagged ‘GA’

White Collar Crimes

November 21, 2015

White Collar Crimes

I have heard that white collar crimes could be harder to prosecute from now on. My question to whoever it is in government responsible for this possible law is: What are you thinking? Why do alleged white collar criminals matter more to you than the American people, the American borrower? Why is an executive so out of reach from the arm of the law? I lost my home, my beautiful condo in Atlanta, Ga. to foreclosure on November 1st. 2005, because of white collar crime. I was a victim of predatory lending and mortgage fraud. I will never forget how I felt while trying to save my home and myself from such a horrible fate. I tried everything, including refinancing and a letter to the then governor of GA. to no avail. The governor never responded to my letter. My credit score was 754, a very good credit score. One time, when the CBS show 60 Minutes had a story on foreclosures in the state of Ohio (I think it was Ohio) I cried for at least an hour and a half. My tears wouldn’t stop. The persons on the 60 Minutes segment who had lost their homes were me. We had gone through the same horrible experience. Since my foreclosure, I have been and I have felt totally homeless. I believe that my physical housing insecurity stems from my GA experience. Being evicted twice after this has not helped at all. Being secure and safe someplace, having a roof over my head to shower; sleep in a warm bed, make myself a cup of tea and take care of my cat—that is what I have wanted. Our representatives in Congress and the Senate have to stop being so nice to their friends in Wall Street. I have nothing against being rich. I think being rich and having money is great. But without us, the consumers, Wall Street and the banks would not exist. No customers, no business—it’s as simple as that. I yearn to have my condo back. I want to have my condo in Atlanta, GA. back. As far as I am concerned, it was taken from me unfairly. It’s the same as if somebody had stolen it from me.

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I am Them

October 7, 2012

I Am Them

My Tia, my beloved Aunt, when she was evicted years ago. My friend Nadia when she was living alone and forgotten after her days of glory. I have their stories in my brain and in my soul. What they suffered, I suffered. What they felt, I felt. Now it is my turn, my turn to go through experiences that are overwhelming to say the least. My poor Tia paid 3 times the market rate in rent for a dilapidated 2 bedroom house-like apt. in Buenos Aires. That high price was illegal on the landlady’s part, but she still got away with getting the extra rent money. And my Tia had no home after all her years of hard work and honesty. Nadia lived with her 3 dogs for company. They were her family, the only family she could count on. They were there, even if the food supply was iffy, even if she couldn’t walk them as often as they needed to be walked. She was tired. My Tia was tired. She lived for 10 months after her eviction; then she gave up and closed her eyes. Nadia fought until the very last minute for her life. The dogs screamed and yelled. Nobody paid attention until the fire dept. got in and found Nadia dead clutching her house keys by the front door.

Now I am fighting a battle similar to theirs. I am evicted. I don’t know how this happened, but it is like another foreclosure. This one feels worse than the first one 7 years ago when I lost my home in GA. It is a hard blow. The experience is surreal, as if it were a horrible dream somebody made up just to make me sad. A bad dream to show me that I cannot have a home.

Letter to Newspaper

September 24, 2008

I don’t think that the government is addressing my issues. I don’t believe that Barack Obama or John MacCain will do anything about the mortgage crisis. That crisis has affected me personally. I lost my condo in Atlanta, GA to mortgage fraud back in November 2005. I had relocated from Manhattan to GA and hooked up with a realtor who gave me bad advice. The experience has ruined my credit and caused me a great deal of stress. Just a few weeks ago I was living on the streets of Manhattan with my little cat.I could not sleep and there was no place for me to take a shower. If it hadn’t been for a kind person, I’d still be out there on the sidewalks. I have been trying to start all over again, but it has been an uphill battle. My age is against me, since I am no longer 20 or 30. Not only did I lose my home, I also lost a lot of money, money that has been so far impossible to get back. I feel that whoever becomes President in November should do something so that we, the borrowers who were duped by loan officers, can get our hard earned savings back. It is important that the laws change to make the taxpayer not be held responsible for a foreclosure. I was stuck with a tax bill in the amount of $2,145.85 in 2005. The debt forgiven me by the lender of my condo was money I never saw or was able to use.

I also believe that older workers should be given a fair chance. I don’t think that they are. We have to eat and pay our bills and feed our families just like everyone else.
I would vote for either candidate if I knew he would start doing something so that my needs (and the needs of other people in my situation) were going to be met. Right now at this point and time, that is the most important thing to me. Eugenia Renskoff

IRS Letter

September 5, 2008

Friday, September 5, 2008: A new letter has arrived from the IRS. I had written them regarding the $2,145.85 tax foreclosure bill and I guess this is their answer. I hate what has happened in GA because of the foreclosure. I hate the fact that I went to Atlanta and that I saw the condo I bought there. There was no way I could have known what would happen. No way.

Appraisers

August 18, 2008

Monday, August 18, 2008: I have readin the AM New York paper that home appraisers who have worked for the loan officer and realtor instead of the borrower are not being investigated by the government. These appraisers have inflated the price of condos and homes. As a consequence, when it comestime to sell, the seller cannot get the price it wasappraisedfor and alot of money is lost. This very same thing happened to me in Atlanta, GA. My condo was appraised at $178,000and when I wanted to get rid of it because I suspected mortgage fraud, all the realtors who came to see it, said I’d be lucky to get $140,000. This might seem like a small amount of money to lose, but tome it meant doom. I had already seen my credit go down the hill, bill collectors were calling me all day long. Needless to say, the stress and anguish was just too much. These people should be made to pay for what they did. That simple.

Realtors

June 13, 2008

I was financially hurt in 2002 when the market in Atlanta, GA was really down. I went there from another state (VA) and knew no one. The real estate agent I met  hooked me up with a loan officer who, without my knowledge,  padded my income to get a loan. I have since learned (after filing complaints almost everywhere) that in a soft market people in the business often do questionable things in order to maintain their standard of living. It is still wrong. My credit was ruined and my condo foreclosed in November 2005.Eugenia Renskoff

Financial Rape

May 22, 2008

Thursday, May 22, 2008: I am still hurt because of the financial rape situation over my lost GA condo. Anytime I speak of it, my voice cracks and I feel all the pain, all the angst all over again. I cannot help it. That’s how it is for me.

Last Dime

May 10, 2008

May 10, 2008: I paid for my lost condo in GA until I had no more, no more credit, no more money. I did not walk away, though I was tempted to.

Mortgage Fraud Fight

May 5, 2008

May 5, 2008: Even those it has been an uphill battle, I will fight on. I will not stop until I have received justice. I know in my heart that I did everything I possibly could to fight off foreclosure. Even though I could not be here in this country, I still fought and asked for help and contacted people. I did not give up then and I am not giving up now. Foreclosure has cost me more than the loss of my condo in GA. It has ruined my almost perfect credit and left me vulnerable to too many things.

$2,145.85 Tax Bill Update

April 28, 2008

Monday, April 28, 2008: I am not able to pay this bill. The last few years have been very rough financially as well as emotionally. I can’t remember a time in my life as bad as this one. The GA foreclosure was and is something that I can’t forget. It hurt me deeply because it was a very beautiful condo in a beautiful neighborhood and I will always miss it. I had no idea that mortgage fraud or predatory lending existed. I had no idea that either one (or both) would ever happen to me. Now it’s very hard to recover.