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Voice of the Voter - This Week's Stories

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Boycott First Federal Bank of California

Roxy Newbrough of Ramona, California an 83 year old woman who has been a foster mother for dozens of children has become yet another victim of predatory lending. After being convinced to refinance her home of 25 years by an unscrupulous loan agent from First Federal Bank of California shortly after her husbandís death the loan payments became too much to handle. Newbrough, on a fixed income, never should have been qualified for the loan well beyond anything she could have ever needed. Despite efforts by people in her community to buy the property from the lender, the bank refuses to work with her to make right the situation she has been tricked into.

During an interview on CNN the realtor for Mrs. Newbrough explained that the best offer the community could come up with had been a mere $25,000 below the minimum offer the bank would accept. The difference between $315,000 and $340,000 was the reason stated for the bankís refusal to right the wrong they committed in convincing the elderly woman to take on a loan she couldnít afford.

This type of preying on unsuspecting people is at the heart of the current mortgage crisis in America. It is this type of lending that has left millions of Americans struggling to either pay their mortgage or find a place to live after being foreclosed upon. This will only stop if we refuse to do business with these banks. For that reason I encourage everyone that reads this article to not do any business with First Federal Bank of California. If you have a loan with them, beware and consider financing with another lender. They may be trying to cheat you out of your home. If you have savings or checking with them, close the accounts and take your money to a more honest bank. Tell everyone you know that this bank is a predatory lender and should be avoided.

If we work together we can shut down these businesses that prey on unsuspecting people. It is up to us to change their ways because they will not unless forced to do so. Legislators have made it clear that they are more interested in protecting banks than protecting people so we need to stand up for ourselves. This poor lady spent her life helping others and now is going to have to give up her home so some jerk can make a killing on it. This should be unacceptable to everyone.

Calling for a boycott may seem like a drastic measure but if we donít send strong messages to these predators that we will not take it anymore they will continue to find ways to cheat people out of the things they have worked, in many cases, their whole lives to earn. It is time to draw a line in the sand and put these people out of business. We also need to tell Washington D.C. to stop protecting them and make sure that predatory lending eradication becomes a legislative priority for the next Congress and incoming President Obama. No more loopholes and no more bailouts for unethical and amoral businesses. They have spent far too long using the system to screw the little guy. It needs to stop and it needs to stop now.
The Realist - Patriot at Large | E-mail Comments on this article. | Click icon to Digg this article

Congressional Agenda for the Coming Session

With all of the issues facing America in the coming months what will be on the agenda for the Congress in January? As they discuss bailouts and stimulus packages in the waning days of their lame-duck session it is becoming clear that there is little that will be accomplished before the Congress recesses for the holidays. So with that in mind what will we be asking of our elected officials in the coming year?

If nothing else the last year has taught us that our officials can drop the ball horribly if not watched closely. The financial collapse in large part falls at the feet of the White House and Congress as it was the fiscal policy of the last decade that has led to the current situation we find ourselves in today. The failure of leaders to reign in the wild and loose policies of Wall Street has led to the breakdown of fundamental economic principles in our financial markets. Loans based on fantastically wild-guess scenarios and pure predatory lending allowed under the current financial laws has led to record numbers of American homeowners either in or facing bankruptcy and foreclosure. Washington allowed this to happen and we must never forget that simple fact.

The laws that govern the country going forward need to reflect an attitude of the working people coming first with the fat cats being marginalized for a change. We need to make it clear that we are the ones doing all the work and we do deserve greater consideration than the rich and over-privileged. We need to talk to our Senators and Representatives to make sure that they know we want to see legislation to require all lenders to restructure loans to make the payments clear, consistent and payable for the homeowners affected by them. The days of unclear disclosure of loan details need to come to an end. Lenders receiving billions of tax dollars to ďstabilizeĒ them need to be required by law to use foreclosure as a last resort after exhausting ALL other means of keeping the borrowers in their homes.

In addition to working on laws to reform banking practices in America, it has come time to rebuild America and put people back to work. We have crumbling roads and bridges and an outdated communication and power infrastructure in America that needs repairing and replacing. It is time to start another massive overhaul of our nations roads, power grids, rail systems, waterways, schools and other basic elements of infrastructure needed to keep America functioning. If Congress were to pass and the incoming President were to sign into law a new national public works bill we could put millions of Americans back to work rebuilding things that desperately need to be built.

Itís time to take control of the nation and solve the problems we face in a realistic way. People need to work, have places to eat, clothing on their back, good schools for their kids and the nation needs to find some stability and rebuild our aging infrastructure. Congress and the President have the power to make those things happen. Business has a role to play but may need to be compelled to pony up their fair share to get it done. Again, Congress and the President have the power to compel them to step up to the plate for the good of the nation. We need real change and need it right now. There is no more time to debate about who messed up what. Itís time to get to work fixing the problems and cleaning up the mess. Like it or not, those who have benefited the most from the economy are the ones who have the cash to pay for the remedy and they need to open their wallets willingly or otherwise to get the ball rolling. Itís up to us to make sure that our elected officials make them do it.

Troy Wilson-Ripsom - Staff Writer | E-mail Comments on this article. | Click icon to Digg this article



Get Involved

Do you sit and yell at the TV when politicians come on? Do you shake your head sadly whenever you see a homeless veteran? Is that all you tend to do?

It's time to put up or shut up America. We all love to talk about how we could do things better or how we would do it if we were in charge. Well, it's time to put your money where your mouth is. If you can think of it, you can write it down. If you can write it down, you can type it. If you can type it, you can e-mail it and if you can e-mail it, you can send it here.

We at Reform America are committed to giving voice to anyone who wants to put their ideas out there to make our nation a better place. As the readership grows, we are able to take those views to a wider and wider audience. Grassroots campaigns begin with voices speaking out. You have opinions. Voice them. We aren't about conservative or liberal. We aren't about pro-this or anti-that. We're about Americans and the First Amendment. Reform America is about politics by, for and of the people. You are the people. You only need to speak up. America is listening. Send your article to: stories@reform-america.net



Have You Been Downsized Due to Outsourcing?

For several years now we have listened to some within the business community tell us that America can't compete on a global scale unless they send our jobs overseas where they can be done cheaper. The question becomes, if we don't have good paying jobs here, how can we sustain our own economy? We want to hear from you. Have you lost your job? Have you been forced into a lower wage job due to outsourcing? Has outsourcing been a success for you? Did you end up in a better job?

Tell us your story so we can make sure the politicians see how outsourcing really impacts the workers who are backbone of America. Send your story to stories@reform-america.net

 

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