“Banks are doing extreme things to get people out of their homes, so it requires extreme action,” Mata told me.
“I wouldn’t be here except the banks are not being monitored so we have to stand up as citizens. They are getting away with acts of inhuman behavior and the Justice Department is not reacting.”
Mata was among 500 activists from across the country who came to the nation’s capital to “Bring Justice to Justice”—participating in three days of action organized by Home Defenders League and Occupy Our Homes.
They were calling for the criminal prosecution of banks for ongoing illegal activity, including illegal foreclosures; and for resetting mortgages to a property’s fair market value for the more than 13 million homeowners still at risk of foreclosure.
But even as the Matas continue to make their payments, Bank of America continues to push for foreclosure. Her dealings with the bank in an effort to get a modification tell a story that is now all too familiar in this country.
“Negotiating means paperwork multiple times over and over again,” she said. “As soon as you get it in they switch your point-of-contact and then you have to start over again. And as many times as they ask is how many times you do it, or else they won’t consider you for the modification. No one is holding them accountable.”
“But what really inspired me to fight was the attorney for US Bank sitting across from me in court and saying,
‘The only negotiation US Bank is willing to do right now is to get her out,’ ” said Haines. “He didn’t have enough courage to look at me, but he said it.”
Since 2006, Dupuy’s mortgage has had so many different banks and loan servicers attached to it that the trail is dizzying. As a result, she has had her paperwork lost as servicers change, not been provided new mailing addresses for payments, fought off two sheriff’s sales and
even received modification “offers” that would have had her paying double-digit interest rates and waiving her right to sue for the mishandling of her note.
Throughout her struggle, Dupuy has found herself alone.
“The thing about Louisiana, nobody talks about foreclosures, and they don’t put signs out in people’s yards like in other states, so they really keep it from the public,” she said. “But I’ve been pulling up the sales on my local sheriff’s website and every month there are quite a bit just in my parish alone.”
Dupuy said a lot of people are “just walking away because they don’t know what to do.”
In addition to representing the large banks, organizers said the law firm epitomizes the
“revolving door” between serving government and serving Wall Street’s interests, noting that Attorney General Eric Holder was a partner at Covington & Burling before coming to the DOJ, and former Assistant Attorney General Lanny Breuer left his post in March to become vice chair of the firm.
For three straight days, these homeowners and their supporters—mostly low-income people of color—demonstrated what it means to personally sacrifice for the good of others, to move beyond hopeful words to deeds and actions.
I hope that those of us who seek change feel their urgency, and will follow their lead to take more and greater action—together.
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